Is Live Oak Bancshares, Inc. (LOB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 49.1% | |
| Net Margin | 22.0% | |
| Return on Equity (ROE) | 9.4% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $158M |
| Free Cash Flow | $143M |
| Total Debt | $102M |
| Total Assets | $15.1B |
Price & Trading
| Last Close | $32.68 |
| 50-Day MA | $37.15 |
| 200-Day MA | $34.52 |
| Avg Volume | 332K |
| Beta | 1.9 |
|
52-Week Range
$22.68
| |
About Live Oak Bancshares, Inc. (LOB)
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
Related Halal Stocks in Financial Services
Frequently Asked Questions
Is Live Oak Bancshares, Inc. (LOB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Live Oak Bancshares, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Live Oak Bancshares, Inc.'s debt ratio?
Live Oak Bancshares, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Live Oak Bancshares, Inc.'s key financial metrics?
Live Oak Bancshares, Inc. has a market capitalization of $1.5B, trailing P/E ratio of 14.4, and revenue of $541M. Return on equity stands at 9.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.