Live Oak Bancshares (NYSE:LOB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Live Oak Bancshares Effective Interest Rate on Debt % Related Terms
Live Oak Bancshares Effective Interest Rate on Debt % Historical Data
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The historical data trend for Live Oak Bancshares's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Live Oak Bancshares Effective Interest Rate on Debt % Chart
LOB vs CHCO, SRCE, CASH: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Live Oak Bancshares Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 452.99% mean?
Live Oak Bancshares (LOB) has a Effective Interest Rate on Debt % of 452.99% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' Effective Interest Rate on Debt % too high?
Live Oak Bancshares' current Effective Interest Rate on Debt % is 452.99%. Overall, Live Oak Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Effective Interest Rate on Debt % compare to CHCO and SRCE?
Live Oak Bancshares' Effective Interest Rate on Debt % of 452.99% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current Effective Interest Rate on Debt % is 452.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Live Oak Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Live Oak Bancshares (LOB) is currently considered Fairly Valued. The stock's GF Value™ is $42.79, compared to a current price of $40.37 — trading 5.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 452.99%. Live Oak Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Effective Interest Rate on Debt % is 452.99% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Live Oak Bancshares (LOB) Overvalued in 2026?
Based on GuruFocus' analysis, Live Oak Bancshares stock appears to be undervalued.
The current stock price of $40.37 is trading 5.7% below its estimated GF Value™ of $42.79.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Effective Interest Rate on Debt %: 452.99%
GF Value™: $42.79 vs. price of $40.37 (5.7% below fair value)
No single metric tells the full story. See the LOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
70GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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