Discounted Cash Flow

OFG Bancorp

OFG · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $366.2m $59.2m $73.2m 16.2% $1.03
2017 $382.9m (4.5%) $52.6m (-11.0%) $145.0m (98.0%) 13.8% (-14.9%) $0.88 (-14.6%)
2018 $396.0m (3.4%) $84.4m (60.3%) $121.9m (-15.9%) 21.3% (55.0%) $1.59 (80.7%)
2019 $405.3m (2.3%) $53.8m (-36.2%) $96.7m (-20.7%) 13.3% (-37.7%) $0.92 (-42.1%)
2020 $532.8m (31.5%) $74.3m (38.0%) $-103.9m (-207.5%) 14.0% (5.0%) $1.32 (43.5%)
2021 $0 (-100.0%) $146.2m (96.6%) $77.0m (174.1%) $2.85 (115.9%)
2022 $0 $166.2m (13.7%) $133.5m (73.3%) $3.46 (21.4%)
2023 $0 $181.9m (9.4%) $277.8m (108.2%) $3.85 (11.3%)
2024 $711.7m $198.2m (9.0%) $231.2m (-16.8%) 27.8% $4.25 (10.4%)
2025 $731.4m (2.8%) $205.1m (3.5%) $199.3m (-13.8%) 28.0% (0.7%) $4.60 (8.2%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model