OFG Bancorp (OFG) Financials

$53.22

$0.40 (0.76%)

As on 04-Sep-2026 16:00EDT

Market cap

$2,249 Mln

Revenue (TTM)

$903 Mln

P/E Ratio

10.5

P/B Ratio

1.6

Div. Yield

2.5 %

Annual
Quarterly

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	217.72	252.50	295.66	164.46	100.04
Cash Flow from Investing Activities	--	-438.38	-335.98	-1,404.75	-1,512.94	-182.93
Cash from Financing Activities	--	669.86	-73.56	1,306.80	-124.71	-49.04
Net Cash Inflow / Outflow	--	--	--	--	-1,473.19	-131.93

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	4.98	4.33	4.28	3.84	3.47	2.91
Cash EPS ($)	5.07	4.87	4.86	4.42	3.97	3.38
Adjusted Book Value ($)	33.30	29.35	27.12	25.19	21.73	21.26
Dividend per Share ($)	2.46	--	--	--	--	--
Cash Flow per Share ($)	--	4.60	5.46	6.24	3.43	1.99
Free Cash Flow per Share ($)	--	4.21	4.56	5.86	2.78	1.53

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	11.25	12.80	14.46	14.70	12.26
ROE (%)	15.76	15.51	16.19	16.27	15.75	13.56
ROA (%)	1.40	1.71	1.73	1.72	1.69	1.48
EBIT Margin (%)	31.46	30.84	30.84	36.33	40.80	39.81
Net Margin (%)	24.43	23.78	24.09	24.98	27.78	27.11
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	8.46	0.05	0.13	0.22	0.11	0.00
EBIT Growth (%)	18.37	4.83	-4.08	8.32	13.80	126.31
Net Profit Growth (%)	13.21	3.50	8.96	9.40	13.74	96.63
EPS Growth (%)	17.51	0.01	0.12	0.11	0.19	1.01
Book Value Growth (%)	12.01	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	10.50	9.46	9.88	9.77	7.95	9.14
Price / Book Value	1.58	1.40	1.56	1.49	1.27	1.25
Dividend Yield (%)	2.46	--	--	--	--	--
EV/EBITDA	--	5.19	-1.96	-2.90	-2.19	-4.62
Close Price ($)	49.07	40.98	42.32	37.48	27.56	26.56
High Price ($)	49.69	46.11	47.66	38.47	30.93	27.73
Low Price ($)	35.71	33.15	33.19	22.34	24.39	16.00
Market Cap ($ Cr)	2,249.37	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	--	0.42	0.34	0.19	0.05	0.09
Short term debt to equity ratio	0.40	0.07	0.06	0.01	0.03	0.04
Current Ratio	0.35	0.12	0.32	0.31	0.24	0.30
Quick Ratio	0.35	--	--	0.24	0.32	0.56
Interest Coverage	2.48	1.54	1.57	3.01	7.29	5.13

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	19.40	18.78	8.71	9.81	10.43	10.49
Asset Turnover	0.06	0.07	0.07	0.07	0.06	0.05
Receivable days	--	49.46	31.76	33.56	36.30	41.37
Inventory Days	--	--	941.10	-137.74	-9,302.53	-19,642.91
Payable days	--	--	--	307.14	27,667.37	38,034.36
Cash Conversion Cycle	--	--	--	-411.32	-36,933.60	-57,635.90

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.