Discounted Cash Flow
OFG Bancorp
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
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): —
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.