← OFG BANCORP OFG
Market Price
$53.92
Market Cap
$2.26B
P/E Ratio
11.77
Revenue (FY 2025)
↑2.8% YoY
$731.44M
Full year reported
Net Income
↑3.5% YoY
$205.10M
Net Margin: 28.0%
Free Cash Flow
↓-13.8% YoY
$199.34M
FCF Yield: 8.81%
EPS (Diluted)
↑8.3% YoY
$4.58
Basic: $4.60
Return on Equity
Efficiency
14.8%
ROA: 2,081.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (OFG)
All monetary values in millions ($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 | $366.2M | — | $286.8M | $59.2M | — | $1.03 | — | $78.5M | $73.2M | — |
| FY 2017 | $382.9M | +4.5% | $300.7M | $52.6M | -11.0% | $0.88 | -14.6% | $151.4M | $145.0M | +98.0% |
| FY 2018 | $396.0M | +3.4% | $317.2M | $84.4M | +60.3% | $1.52 | +72.7% | $133.4M | $121.9M | -15.9% |
| FY 2019 | $405.3M | +2.3% | $320.3M | $53.8M | -36.2% | $0.92 | -39.5% | $109.6M | $96.7M | -20.7% |
| FY 2020 | $532.8M | +31.5% | $396.0M | $74.3M | +38.0% | $1.32 | +43.5% | $-88.6M | $-103.9M | -207.5% |
| FY 2021 | — | -100.0% | — | $146.2M | +96.6% | $2.81 | +112.9% | $100.0M | $77.0M | +174.1% |
| FY 2022 | — | — | — | $166.2M | +13.7% | $3.44 | +22.4% | $164.5M | $133.5M | +73.3% |
| FY 2023 | — | — | — | $181.9M | +9.4% | $3.83 | +11.3% | $295.7M | $277.8M | +108.2% |
| FY 2024 | $711.7M | — | $548.2M | $198.2M | +9.0% | $4.23 | +10.4% | $252.5M | $231.2M | -16.8% |
| FY 2025 | $731.4M | +2.8% | $564.9M | $205.1M | +3.5% | $4.58 | +8.3% | $217.7M | $199.3M | -13.8% |
Valuation
Market Price
$53.92
Market Cap
$2.26B
Enterprise Value
N/A
P/E Ratio
11.77
P/B Ratio
1.64
FCF Yield
8.81%
Dividend Yield
2.23%
Shares Outstanding
Profitability & Margins
Gross Margin
77.23%
Operating Margin
29.82%
Net Margin
28.04%
Return on Equity (ROE)
14.76%
Return on Assets (ROA)
2,081.42%
Asset Turnover
74.23x
Revenue 3-Yr CAGR
N/A
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$1.04B
Total Debt
N/A
Book Value / Share
$32.89
Cash Flow Efficiency
Operating Cash Flow
$217.72M
Capital Expenditures (CapEx)
$18.38M
Free Cash Flow
$199.34M
OCF / Revenue
29.77%
FCF / Revenue
27.25%
FCF 3-Yr CAGR
14.31%
Per Share Metrics
EPS (Diluted)
$4.58
EPS (Basic)
$4.60
Dividends / Share
$1.20
Book Value / Share
$32.89
EPS YoY Growth
8.27%
Balance Sheet (FY 2025)
Total Assets
$9.85M
Total Liabilities
N/A
Stockholders' Equity
$1.39B
Current Assets
N/A
Current Liabilities
N/A