OFG Bancorp OFG

51.94 0.20 0.39% as of 25 Sep

Market cap: $2.2B
P/E: 10.2×

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Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
Revenue	423.41	424.33	440.51	456.29	597.70	582.41	647.26	777.26	873.53	903.91
Revenue Growth	(7.78%)	0.22%	3.81%	3.58%	30.99%	(2.56%)	11.14%	20.08%	12.39%	3.48%
Cost of Revenue	57.17	41.48	44.53	51.00	64.92	41.83	33.49	88.01	161.84	172.47
Gross Profit	366.25	382.86	395.99	405.29	532.78	540.58	613.77	689.25	711.69	731.44
SG&A Expenses	281.07	314.77	263.19	305.98	421.88	325.98	369.67	424.00	457.94	497.33
Operating Income	85.18	68.09	132.80	99.30	110.91	214.60	244.11	265.25	253.75	234.12
Non-operating Income/Expense	7.00	0.08	—	(24.05)	(16.08)	7.11	1.53	—	—	—
EBT	85.18	68.09	132.80	75.25	94.83	214.60	244.11	265.25	253.75	234.12
Income Tax Provision	25.99	15.44	48.39	21.41	20.50	68.45	77.87	83.38	55.58	29.01
Income after Tax	59.19	52.65	84.41	53.84	74.33	146.15	166.24	181.87	198.17	205.10
Dividends (Preferred)	13.86	13.86	12.02	6.51	6.51	1.26	0.00	0.00	—	—
Net Income Common	45.32	38.78	72.39	47.33	67.82	144.90	166.24	181.87	198.17	205.10
EPS (Basic)	1.03	0.88	1.59	0.93	1.32	2.85	3.46	3.85	4.25	4.60
EPS (Diluted)	1.03	0.86	1.52	0.92	1.32	2.81	3.44	3.83	4.23	4.58
Shares (Basic, Weighted)	43.91	43.94	45.40	51.34	51.36	50.96	48.03	47.26	46.64	44.55
Shares (Diluted, Weighted)	51.09	51.10	51.35	51.72	51.56	51.37	48.44	47.55	46.90	44.76
Gross Margin	86.50%	90.23%	89.89%	88.82%	89.14%	92.82%	94.83%	88.68%	81.47%	80.92%
EBIT Margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBT margin	20.12%	16.05%	30.15%	16.49%	15.87%	36.85%	37.71%	34.13%	29.05%	25.90%
Net Profit Margin	10.70%	9.14%	16.43%	10.37%	11.35%	24.88%	25.68%	23.40%	22.69%	22.69%
Free Cash Flow Margin	17.30%	34.30%	28.04%	21.67%	3.30%	13.32%	21.36%	35.75%	24.13%	22.21%
Other line items
Income from Continuous Operations	59.19	52.65	84.41	53.84	74.33	146.15	166.24	181.87	198.17	205.10
Consolidated Net Income/Loss	59.19	52.65	84.41	53.84	74.33	146.15	166.24	181.87	198.17	205.10
EPS (Basic, from Continuous Ops)	1.35	1.20	1.86	1.05	1.45	2.87	3.46	3.85	4.25	4.60
EPS (Basic, Consolidated)	1.35	1.20	1.86	1.05	1.45	2.87	3.46	3.85	4.25	4.60
EPS (Diluted, from Cont. Ops)	1.16	1.03	1.64	1.04	1.44	0.00	3.43	3.82	4.23	4.58
Shares (Diluted, Average)	43.91	43.94	51.35	51.82	51.36	50.96	48.03	47.26	46.64	44.55
EPS (Diluted, Consolidated)	1.16	1.03	1.64	1.04	1.44	2.85	3.43	3.82	4.23	4.58
EBITDA Margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Margin	18.54%	35.69%	30.27%	24.02%	5.85%	17.18%	25.41%	38.04%	28.91%	24.09%

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