OFG Bancorp OFG

51.94 0.20 0.39% as of 25 Sep
Market cap
$2.2B
P/E
10.2×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio 12.84 10.17 10.35 25.12 14.15 9.32 8.00 9.61 9.93 8.89
P/S ratio 1.38 0.93 1.70 2.66 1.59 2.32 2.05 2.24 2.26 2.02
P/FCF ratio 8.00 2.70 6.05 12.26 48.21 17.45 9.61 6.15 9.36 10.12
P/Operating CF 18.49 8.66 12.51 17.67 (64.19) 170.82 27.17 16.22 51.56 30.83
P/B ratio 0.79 0.51 0.82 1.27 0.96 1.27 1.28 1.46 1.57 1.31
Price to Tangible BV 0.89 0.58 0.91 1.50 1.10 1.43 1.43 1.60 1.71 1.41
EV/Sales 0.51 0.10 0.93 1.04 (1.86) (1.07) 1.21 1.49 1.89 1.30
EV/EBITDA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF 2.73 0.27 3.08 4.32 (31.87) (6.23) 4.75 3.92 6.55 5.42
EV/FCF 2.92 0.28 3.32 4.79 (56.41) (8.04) 5.65 4.08 7.84 6.54
Quick Ratio 0.09 0.10 0.08 0.11 0.25 0.23 0.07 0.08 0.07 0.10
Current Ratio 0.86 0.90 0.90 0.93 1.02 0.97 0.85 0.84 0.85 0.87
Net Debt/EBITDA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets 2.18% 2.19% 1.73% 1.23% 1.03% 0.65% 0.27% 1.77% 2.83% 3.66%
Debt/Equity 0.15 0.14 0.11 0.11 0.09 0.06 0.03 0.17 0.26 0.33
Asset Turnover 0.06 0.07 0.07 0.06 0.06 0.06 0.07 0.07 0.08 0.08
Operating CF/Net income 1.73 3.90 1.84 2.32 0.52 0.69 0.99 1.63 1.27 1.06
Capex/Depreciation (0.14) (0.29) (0.48) (0.56) (1.01) (1.33) (1.23) (0.74) (1.84) (0.68)
ROE 6.19% 5.13% 8.63% 5.09% 6.96% 14.05% 15.75% 16.27% 16.19% 15.51%
ROA 0.67% 0.61% 1.13% 0.60% 0.71% 1.47% 1.69% 1.72% 1.73% 1.71%
ROIC 9.71% 7.18% 12.52% 20.23% 0.00% 0.00% 30.82% 27.28% 16.97% 19.68%
Return on Tangible Assets (6.85%) (9.31%) (15.49%) (10.23%) 27.38% (80.45%) (13.55%) (12.01%) (14.46%) (15.88%)
Average Days of Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue 66.38% 74.18% 59.75% 67.06% 70.58% 55.97% 57.11% 54.55% 52.42% 55.02%
Intangible Assets out of Total Assets 0.01 0.01 0.01 0.02 0.01 0.01 0.01 0.01 0.01 0.01
Share Based Compensation of Revenue 0.30% 0.26% 0.32% 0.47% 0.36% 1.07% 0.65% 0.64% 0.82% 0.69%
Graham Net Nets (1.53) (1.65) (0.89) (0.59) (0.01) (0.30) (1.07) (1.08) (0.96) (1.03)
Graham Number 19.92 18.62 26.75 19.82 23.88 36.68 41.10 46.71 50.77 56.89
Earnings Yield 7.79% 9.83% 9.66% 3.98% 7.07% 10.73% 12.50% 10.40% 10.07% 11.25%
Free Cash Flow Yield 12.50% 37.01% 16.53% 8.16% 2.07% 5.73% 10.40% 16.27% 10.68% 9.88%
Revenue per Share 9.64 9.66 9.70 8.89 11.64 11.43 13.48 16.45 18.73 20.29
Operating CF per Share 1.79 3.45 2.94 2.14 0.68 1.96 3.42 6.26 5.41 4.89
Capex per Share (0.12) (0.13) (0.22) (0.21) (0.30) (0.44) (0.55) (0.38) (0.89) (0.38)
Free Cash Flow per Share 1.67 3.31 2.72 1.93 0.38 1.52 2.88 5.88 4.52 4.51
Cash per Share 11.70 11.12 9.92 16.61 42.21 40.06 11.95 16.65 13.85 24.76
Shareholders Equity per Share 20.96 21.51 22.02 20.37 21.15 20.98 21.70 25.25 26.90 31.20
Interest Debt per Share 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share 20.96 21.51 22.02 20.37 21.15 20.98 21.70 25.25 26.90 31.20
Free Cash Flow 73.26 145.54 123.53 98.88 19.75 77.56 138.24 277.84 210.79 200.76
Working Capital (731.94) (484.57) (536.23) (543.98) 163.88 (272.24) (1,333.90) (1,618.48) (1,475.23) (1,385.02)
Capital Expenditures (5.25) (5.90) (9.82) (10.74) (15.21) (22.48) (26.21) (17.82) (41.71) (16.96)
Net Current Asset Value (899.68) (649.22) (667.20) (720.42) (5.39) (403.44) (1,416.60) (1,891.30) (1,894.81) (1,887.20)
EV/EBIT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales 0.01 0.01 0.02 0.02 0.03 0.04 0.04 0.02 0.05 0.02
Net Profit Margin 10.70% 9.14% 16.43% 10.37% 11.35% 24.88% 25.68% 23.40% 22.69% 22.69%
Price to Operating Income 6.88 5.78 5.63 12.21 8.59 6.31 5.44 6.58 7.78 7.80
Other line items
Depreciation/Fixed assets 0.53 0.30 0.30 0.24 0.18 0.18 0.20 0.23 0.22 0.27
Cash ROIC 0.51% 5.33% 4.12% 1.42% (1.46%) 0.25% 3.51% 8.78% 6.65% 4.21%
Accounts Receivable Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover 0.01 0.01 0.01 0.01 0.01 0.00 0.00 0.01 0.02 0.02
Inventory Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables 29,782.87 42,237.76 40,234.97 55,095.73 47,318.93 75,070.84 93,376.31 40,486.21 21,662.21 21,719.29
Days of Inventory on Hand 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables 4,691.12 4,731.98 4,853.80 6,303.36 8,057.13 8,509.38 8,585.74 9,165.27 9,683.48 9,933.77
Average Assets 6,800.49 6,345.44 6,386.20 7,940.51 9,561.84 9,862.87 9,859.25 10,581.62 11,422.59 11,983.20
Average Common Equity 732.74 756.76 838.49 930.68 973.73 1,031.57 1,055.78 1,117.94 1,223.93 1,322.19

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