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Live Oak Bancshares, Inc. cash flow statement

In fiscal 2025, Live Oak Bancshares, Inc.'s operations generated $158m of cash; it spent $14.8m on capital projects, leaving free cash flow of $143m. It returned $5.5m in dividends.

Cash flow statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Cash from operations−44−262−335−222−2886−483−261−120−301185157158253
Depreciation and amortisation123410162022212121233030
Capital spending8143011124111372134447491516
Free cash flow−52−276−365−233−412−105−520−282−123−344138107143237
Dividends paid1244334555555556
Share buybacks000———————————
Shares issued0758701130————————

Free cash flow is cash from operations minus capital spending. Free cash flow after stock pay also subtracts stock-based compensation, a real cost to shareholders that the cash flow statement adds back. Dividends, buybacks and shares issued are cash amounts for the period.

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Figures from Live Oak Bancshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Live Oak Bancshares, Inc.