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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
Live Oak Bancshares's Net Charge Offs to Average Loans % for the quarter that ended in Jun. 2026 was 0.80%
, which is higher than
0.63% for the pervious quarter ended in Mar. 2026.
Live Oak Bancshares's Net Charge Offs to Average Loans % for the annual that ended in Dec. 2025 was 0.63%
, which is higher than
0.52% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Live Oak Bancshares's Net Charge Offs to Average Loans % or its related term are showing as below:
LOB's Net Charge Offs to Average Loans % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Net Charge Offs to Average Loans % only.
Live Oak Bancshares (NYSE:LOB) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
Live Oak Bancshares Net Charge Offs to Average Loans % Related Terms
Live Oak Bancshares Net Charge Offs to Average Loans % Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's Net Charge Offs to Average Loans % 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 Net Charge Offs to Average Loans % Chart
LOB vs RBCAA, FSUN, GABC: Net Charge Offs to Average Loans % Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Net Charge Offs to Average Loans %, along with its competitors' market caps and Net Charge Offs to Average Loans % 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 (NYSE:LOB) Net Charge Offs to Average Loans % Calculation
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans %
=
Net Charge-offs
/
Average Total Loans
* 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.
Frequently Asked Questions
What does a Net Charge Offs to Average Loans % of 0.80% mean?
Live Oak Bancshares (LOB) has a Net Charge Offs to Average Loans % of 0.80% as of Jun. 2026. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' Net Charge Offs to Average Loans % too high?
Live Oak Bancshares' current Net Charge Offs to Average Loans % is 0.80%. Overall, Live Oak Bancshares has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Net Charge Offs to Average Loans % compare to RBCAA and FSUN?
Live Oak Bancshares' Net Charge Offs to Average Loans % of 0.80% 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 Net Charge Offs to Average Loans % for a Banks company?
A good Net Charge Offs to Average Loans % depends on the Banks industry context. However, Net Charge Offs to Average Loans % 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 Net Charge Offs to Average Loans % mean?
A high Net Charge Offs to Average Loans % can signal that a stock is expensive relative to its fundamentals. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current Net Charge Offs to Average Loans % is 0.80%. 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 Modestly Undervalued. The stock's GF Value™ is $44.45, compared to a current price of $39.09 — trading 12.1% below its estimated fair value. The current Net Charge Offs to Average Loans % is 0.80%. Live Oak Bancshares' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Charge Offs to Average Loans % calculated?
Net Charge Offs to Average Loans % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Net Charge Offs to Average Loans % is 0.80% as of Jun. 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 $39.09 is trading 12.1% below its estimated GF Value™ of $44.45.
GuruFocus considers Live Oak Bancshares to be Modestly Undervalued.
Key valuation signals for LOB:
Net Charge Offs to Average Loans %: 0.80%
GF Value™: $44.45 vs. price of $39.09 (12.1% 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.
71GF Score
Get the complete analysis for LOB
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