Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $13.8M | $100M | $51.4M | $18.0M | $59.5M | $167M | $176M | $73.9M | $77.5M | $106M |
| EPS (diluted) | $0.39 | $2.65 | $1.24 | $0.44 | $1.43 | $3.71 | $3.92 | $1.64 | $1.69 | $2.23 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$222M | -$288M | $6.29M | -$483M | -$261M | -$120M | $124M | $185M | $157M | $158M |
| Capital expenditures | $10.9M | $124M | $111M | $37.2M | $21.0M | $3.08M | $43.8M | $46.8M | $49.3M | $14.8M |
| Free cash flow | -$233M | -$412M | -$105M | -$520M | -$282M | -$123M | $80.7M | $138M | $107M | $143M |
| Dividends paid | $2.74M | $3.78M | $4.81M | $4.83M | $4.91M | $5.19M | $5.27M | $5.33M | $5.41M | $5.49M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | $221M | $318M | $204M | $417M | $583M | $609M | $865M |
| Total assets | $1.76B | $2.76B | $3.67B | $4.81B | $7.87B | $8.21B | $9.86B | $11.3B | $12.9B | $15.1B |
| Total liabilities | $1.53B | $2.32B | $3.18B | $4.28B | $7.30B | $7.50B | $9.04B | $10.4B | $11.9B | $13.9B |
| Long-term debt | $27.8M | $26.6M | $16.0K | — | — | — | — | — | — | — |
| Shareholders' equity | $223M | $437M | $494M | $532M | $568M | $715M | $811M | $903M | $999M | $1.25B |
| Retained earnings | $23.5M | $120M | $167M | $180M | $236M | $401M | $572M | $643M | $716M | $810M |
| Shares (wtd avg diluted) | 35.1M | 37.9M | 41.4M | 41.1M | 41.8M | 45.1M | 44.9M | 45.1M | 45.8M | 46.0M |
Every figure is extracted from Live Oak Bancshares, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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