Live Oak Bancshares, Inc. — Earnings Quality Grade A
LOB · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 12.4% but CFFO only 0.9%
Expense Quality
No material inventory
CapEx growth -70.1% vs revenue 12.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.49. Profits backed by cash
FCF $0.1B, FCF/NI = 1.36
Accruals ratio = -0.3%. Low accruals
Cash $0.9B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Live Oak Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25