OFG Bancorp OFG

Financial — Banks Regional

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

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