Live Oak vs Oxford Lane Capital

This page compares Live Oak Bancshares Inc and Oxford Lane Capital Corp, examining their business models, financial performance, and market context in a neutral, accessible way. Learn how these companies differ in strategy, risk, and opportunity, without investment recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

LOB

Metric

OXLC

$1.68B

Market Cap

$1.41B

9.62%

Potential Profit

37.17%

Buy

Analyst Rating

Buy

Investment Analysis

Live Oak

LOB

Pros

Live Oak Bancshares maintains a high net profit margin, reflecting strong operational efficiency and profitability.
The company demonstrates robust loan production and customer deposit growth, supporting its core lending business.
Live Oak Bancshares has a low debt-to-equity ratio, indicating a conservative balance sheet and reduced financial risk.

Considerations

Recent quarterly earnings and revenues missed analyst expectations, raising concerns about near-term performance.
The stock is exposed to sector-specific risks, including regulatory changes and interest rate volatility.
Analyst forecasts show a wide range of price targets, suggesting uncertainty about future valuation.

Oxford Lane Capital

OXLC

Pros

Oxford Lane Capital offers a high dividend yield, making it attractive for income-focused investors.
The company trades at a low forward P/E ratio, suggesting potential value relative to earnings expectations.
Oxford Lane Capital has completed a reverse stock split, which may improve share price stability and investor perception.

Considerations

The stock has experienced significant price declines over the past year, reflecting investor concerns about NAV pressure.
Oxford Lane Capital's business model is sensitive to credit market conditions and interest rate changes.
Recent analyst downgrades and price target reductions indicate caution about near-term prospects.

About The Companies

Live Oak (LOB)

Live Oak Bancshares is the bank holding company for Live Oak Bank, a financial institution with a distinct focus. Rather than operating like a traditional high street bank, it specialises in providing loans and deposit services to small businesses throughout the United States. Its model is built on a national online platform, which allows it to reach customers efficiently without a large physical branch network. Beyond its core banking operations, the company holds several subsidiaries. These include Live Oak Ventures, which invests in financial technology companies, and Government Loan Solutions, which offers consultancy services for government-guaranteed lending. This structure positions Live Oak Bancshares as a modern, specialised player in the financial services industry. As with any investment, its value can go down as well as up, and past performance is not a guide to the future.

Oxford Lane Capital (OXLC)

Oxford Lane Capital Corp. (OXLC) is a closed‑end investment company that primarily provides capital to credit markets, often through investments in collateralised loan obligations (CLOs), syndicated loans and related credit instruments. With a market capitalisation of about $1.35 billion, OXLC aims to generate income for shareholders and typically pays regular distributions. Investors should know that closed‑end credit vehicles can trade at a premium or discount to net asset value (NAV), and that leverage, credit selection and interest‑rate moves can amplify both returns and losses. The trust’s portfolio is exposed to below‑investment‑grade credit and structured credit risks, so periods of market stress can lead to price volatility and dividend pressure. This summary is for general educational purposes only, not personalised advice; suitability depends on an investor’s objectives, time horizon and risk tolerance. Past performance is not a guide to future results and distributions are not guaranteed.

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

No baskets available in this category

Buy LOB or OXLC in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Live Oak vs Oxford Lane Capital

Comparison Snapshot

Investment Analysis

Live Oak

Pros

Considerations

Oxford Lane Capital

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy LOB or OXLC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Live Oak vs S&T Bancorp

Live Oak vs Bladex

Live Oak vs Triumph Financial

Frequently asked questions

Comparison Snapshot

About The Companies

Live Oak vs Oxford Lane Capital

Comparison Snapshot

Investment Analysis

Live Oak

Pros

Considerations

Oxford Lane Capital

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy LOB or OXLC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Live Oak vs S&T Bancorp

Live Oak vs Bladex

Live Oak vs Triumph Financial

Frequently asked questions

What is the main business focus of Live Oak Bancshares Inc compared with Oxford Lane Capital Corp?

How do debt levels compare between the two companies and why does that matter?

What do the pros say about income or profitability from each stock?

How does valuation appear in the provided context for these stocks?

What are the key risks highlighted for each stock?

How might recent earnings influence a reader’s interpretation of the stocks?

What do the different business models suggest about market sensitivity?

How could a dividend consideration influence market perception?

What should a beginner keep in mind when comparing these two stocks?

Is there a difference between forward-looking metrics and current results in this comparison?

Educational disclaimer: does this page provide investment advice?

Comparison Snapshot

About The Companies