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LOB vs V

LOB
Live Oak Bancshares, Inc.
NEUTRAL
Price
$37.82
Market Cap
$1.75B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
LOB
14.44
V
28.35
Forward P/E
LOB
9.11
V
20.79
P/B Ratio
LOB
1.51
V
15.09
P/S Ratio
LOB
3.41
V
14.08
EV/EBITDA
LOB
--
V
20.06

Profitability

Gross Margin
LOB
0.0%
V
97.78%
Operating Margin
LOB
35.48%
V
68.3%
Profit Margin
LOB
24.64%
V
50.23%
ROE
LOB
10.89%
V
53.95%
ROA
LOB
0.87%
V
18.36%

Growth

Revenue Growth
LOB
29.1%
V
14.6%
Earnings Growth
LOB
185.7%
V
17.4%

Financial Health

Debt/Equity
LOB
--
V
0.55
Current Ratio
LOB
--
V
1.11
Quick Ratio
LOB
--
V
0.72

Dividends

Dividend Yield
LOB
0.32%
V
0.89%
Payout Ratio
LOB
4.58%
V
22.91%

AI Verdict

LOB NEUTRAL

LOB presents a stark contradiction between valuation and fundamental health. While the stock is priced attractively near its Graham Number ($38.44) and shows explosive YoY earnings growth (185.7%), the Piotroski F-Score of 2/9 indicates severe weakness in financial health. This fundamental fragility is compounded by bearish insider activity, specifically significant sales by the CEO and CFO. Despite analyst 'buy' recommendations and a high growth-based intrinsic value, the poor health score and insider sentiment suggest significant underlying risk.

Strengths
Strong valuation with a low Forward P/E of 9.11
Explosive YoY earnings growth of 185.70%
Robust revenue growth of 29.10% YoY
Risks
Critical financial health weakness indicated by a Piotroski F-Score of 2/9
Bearish insider sentiment with heavy selling by the CEO and CFO
Poor earnings consistency, beating estimates in only 1 of the last 4 quarters
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

LOB vs V: Head-to-Head Comparison

This page compares Live Oak Bancshares, Inc. (LOB) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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