← FIRST BANCORP /PR/ FBP
Market Price
$29.70
Market Cap
$4.55B
P/E Ratio
13.81
Revenue (FY 2025)
↑6.7% YoY
$1.00B
3-Yr CAGR: 2.9%
Net Income
↑15.4% YoY
$344.87M
Net Margin: 34.5%
Free Cash Flow
↑11.0% YoY
$437.52M
FCF Yield: 9.62%
EPS (Diluted)
↑18.8% YoY
$2.15
Basic: $2.16
Return on Equity
Efficiency
17.5%
ROA: 1.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (FBP)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $673.2M | — | $572.1M | $93.2M | — | $0.43 | — | $199.4M | $189.1M | — |
| FY 2017 | $650.8M | -3.3% | $553.9M | $67.0M | -28.2% | $0.30 | -30.2% | $236.0M | $226.5M | +19.8% |
| FY 2018 | $607.7M | -6.6% | $508.1M | $201.6M | +201.1% | $0.92 | +206.7% | $288.3M | $267.8M | +18.2% |
| FY 2019 | $657.7M | +8.2% | $548.8M | $167.4M | -17.0% | $0.76 | -17.4% | $294.3M | $271.8M | +1.5% |
| FY 2020 | $711.5M | +8.2% | $618.9M | $102.3M | -38.9% | $0.46 | -39.5% | $297.7M | $281.7M | +3.6% |
| FY 2021 | $851.1M | +19.6% | $786.3M | $281.0M | +174.8% | $1.31 | +184.8% | $399.7M | $386.4M | +37.2% |
| FY 2022 | $918.4M | +7.9% | $851.1M | $305.1M | +8.6% | $1.59 | +21.4% | $440.5M | $420.0M | +8.7% |
| FY 2023 | $929.8M | +1.2% | $703.4M | $302.9M | -0.7% | $1.71 | +7.5% | $363.0M | $340.4M | -19.0% |
| FY 2024 | $938.2M | +0.9% | $650.5M | $298.7M | -1.4% | $1.81 | +5.8% | $404.1M | $394.1M | +15.8% |
| FY 2025 | $1,000.8M | +6.7% | $746.6M | $344.9M | +15.4% | $2.15 | +18.8% | $448.6M | $437.5M | +11.0% |
Valuation
Market Price
$29.70
Market Cap
$4.55B
Enterprise Value
$2.30B
P/E Ratio
13.81
P/B Ratio
2.34
FCF Yield
9.62%
Dividend Yield
2.42%
Shares Outstanding
Profitability & Margins
Gross Margin
74.60%
Operating Margin
36.42%
Net Margin
34.46%
Return on Equity (ROE)
17.53%
Return on Assets (ROA)
1.80%
Asset Turnover
0.05x
Revenue 3-Yr CAGR
2.91%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.147
Debt / Assets
0.015
Cash & Equivalents
$2.54B
Total Debt
$290.00M
Book Value / Share
$12.72
Cash Flow Efficiency
Operating Cash Flow
$448.56M
Capital Expenditures (CapEx)
$11.03M
Free Cash Flow
$437.52M
OCF / Revenue
44.82%
FCF / Revenue
43.72%
FCF 3-Yr CAGR
1.37%
Per Share Metrics
EPS (Diluted)
$2.15
EPS (Basic)
$2.16
Dividends / Share
$0.72
Book Value / Share
$12.72
EPS YoY Growth
18.78%
Balance Sheet (FY 2025)
Total Assets
$19.13B
Total Liabilities
$17.17B
Stockholders' Equity
$1.97B
Current Assets
N/A
Current Liabilities
N/A