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Side-by-side financial comparison of CLPS Inc (CLPS) and Live Oak Bancshares, Inc. (LOB). Click either name above to swap in a different company.
Live Oak Bancshares, Inc. is the larger business by last-quarter revenue ($145.5M vs $82.8M, roughly 1.8× CLPS Inc). Live Oak Bancshares, Inc. runs the higher net margin — 19.2% vs 0.2%, a 19.0% gap on every dollar of revenue.
CLPS Inc is a global information technology, consulting and digital solutions provider primarily serving the financial services sector, including banking, insurance and asset management clients. It also offers tailored tech solutions for retail, healthcare and e-commerce segments, with operating footprints across North America, Asia Pacific and Europe.
Live Oak Bank, a subsidiary of Live Oak Bancshares, Inc., is an American bank. Headquartered in Wilmington, North Carolina, it serves small business owners in all 50 states and was the leading SBA 7(a) lender by dollar volume in 2022.
CLPS vs LOB — Head-to-Head
Income Statement — Q4 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $82.8M | $145.5M |
| Net Profit | $183.0K | $27.9M |
| Gross Margin | 23.1% | — |
| Operating Margin | 0.2% | — |
| Net Margin | 0.2% | 19.2% |
| Revenue YoY | — | 18.4% |
| Net Profit YoY | — | 187.6% |
| EPS (diluted) | — | $0.60 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q2 26 | $82.8M | — | ||
| Q1 26 | — | $145.5M | ||
| Q4 25 | — | $161.9M | ||
| Q3 25 | — | $146.1M | ||
| Q2 25 | — | $143.7M | ||
| Q1 25 | — | $126.1M | ||
| Q4 24 | $71.8M | $116.9M | ||
| Q3 24 | — | $129.9M |
| Q2 26 | $183.0K | — | ||
| Q1 26 | — | $27.9M | ||
| Q4 25 | — | $46.2M | ||
| Q3 25 | — | $26.5M | ||
| Q2 25 | — | $23.4M | ||
| Q1 25 | — | $9.7M | ||
| Q4 24 | $-993.5K | $9.9M | ||
| Q3 24 | — | $13.0M |
| Q2 26 | 23.1% | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 21.9% | — | ||
| Q3 24 | — | — |
| Q2 26 | 0.2% | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 38.2% | ||
| Q3 25 | — | 25.0% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | 10.4% | ||
| Q4 24 | -1.3% | 11.3% | ||
| Q3 24 | — | 13.7% |
| Q2 26 | 0.2% | — | ||
| Q1 26 | — | 19.2% | ||
| Q4 25 | — | 28.5% | ||
| Q3 25 | — | 18.1% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | -1.4% | 8.5% | ||
| Q3 24 | — | 10.0% |
| Q2 26 | — | — | ||
| Q1 26 | — | $0.60 | ||
| Q4 25 | — | $0.96 | ||
| Q3 25 | — | $0.55 | ||
| Q2 25 | — | $0.51 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.22 | ||
| Q3 24 | — | $0.28 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $29.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $57.6M | $1.3B |
| Total Assets | $118.1M | $15.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q2 26 | $29.1M | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $31.2M | — | ||
| Q3 24 | — | — |
| Q2 26 | $57.6M | — | ||
| Q1 26 | — | $1.3B | ||
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | $63.9M | $999.0M | ||
| Q3 24 | — | $1.0B |
| Q2 26 | $118.1M | — | ||
| Q1 26 | — | $15.3B | ||
| Q4 25 | — | $15.1B | ||
| Q3 25 | — | $14.7B | ||
| Q2 25 | — | $13.8B | ||
| Q1 25 | — | $13.6B | ||
| Q4 24 | $110.0M | $12.9B | ||
| Q3 24 | — | $12.6B |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
