stockrow
Friday 6 November 2026
Export OFG’s income statement to Excel — free account
OFG Bancorp
OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024.
- Revenue
- −1.39%
- EPS
- +14.5%
- Free cash flow
- +41.8%
- Total debt
- −12.1%
Quarter to September 2026, against a year earlier
50.81
0.12
+0.24%
Follow OFG
Alert me
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.89 | 9.93 | 9.61 | 8.00 | 9.32 | 14.15 | 25.12 | 10.35 | 10.17 | 12.84 |
Piotroski F-Score |
5 | 7 | 6 | 7 | 6 | 7 | 5 | 6 | 6 | 7 |
P/S ratio |
2.02 | 2.26 | 2.24 | 2.05 | 2.32 | 1.59 | 2.66 | 1.70 | 0.93 | 1.38 |
P/FCF ratio |
10.12 | 9.36 | 6.15 | 9.61 | 17.45 | 48.21 | 12.26 | 6.05 | 2.70 | 8.00 |
P/Operating CF |
30.83 | 51.56 | 16.22 | 27.17 | 170.82 | (64.19) | 17.67 | 12.51 | 8.66 | 18.49 |
P/B ratio |
1.31 | 1.57 | 1.46 | 1.28 | 1.27 | 0.96 | 1.27 | 0.82 | 0.51 | 0.79 |
Price to Tangible BV |
1.41 | 1.71 | 1.60 | 1.43 | 1.43 | 1.10 | 1.50 | 0.91 | 0.58 | 0.89 |
EV/Sales |
1.30 | 1.89 | 1.49 | 1.21 | (1.07) | (1.86) | 1.04 | 0.93 | 0.10 | 0.51 |
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 |
5.42 | 6.55 | 3.92 | 4.75 | (6.23) | (31.87) | 4.32 | 3.08 | 0.27 | 2.73 |
EV/FCF |
6.54 | 7.84 | 4.08 | 5.65 | (8.04) | (56.41) | 4.79 | 3.32 | 0.28 | 2.92 |
Quick Ratio |
0.10 | 0.07 | 0.08 | 0.07 | 0.23 | 0.25 | 0.11 | 0.08 | 0.10 | 0.09 |
Current Ratio |
0.87 | 0.85 | 0.84 | 0.85 | 0.97 | 1.02 | 0.93 | 0.90 | 0.90 | 0.86 |
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 |
3.66% | 2.83% | 1.77% | 0.27% | 0.65% | 1.03% | 1.23% | 1.73% | 2.19% | 2.18% |
Debt/Equity |
0.33 | 0.26 | 0.17 | 0.03 | 0.06 | 0.09 | 0.11 | 0.11 | 0.14 | 0.15 |
Asset Turnover |
0.08 | 0.08 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.06 |
Operating CF/Net income |
1.06 | 1.27 | 1.63 | 0.99 | 0.69 | 0.52 | 2.32 | 1.84 | 3.90 | 1.73 |
Capex/Depreciation |
(0.68) | (1.84) | (0.74) | (1.23) | (1.33) | (1.01) | (0.56) | (0.48) | (0.29) | (0.14) |
| 15.51% | 16.19% | 16.27% | 15.75% | 14.05% | 6.96% | 5.09% | 8.63% | 5.13% | 6.19% | |
| 1.71% | 1.73% | 1.72% | 1.69% | 1.47% | 0.71% | 0.60% | 1.13% | 0.61% | 0.67% | |
ROIC |
19.68% | 16.97% | 27.28% | 30.82% | 0.00% | 0.00% | 20.23% | 12.52% | 7.18% | 9.71% |
Return on Tangible Assets |
(15.88%) | (14.46%) | (12.01%) | (13.55%) | (80.45%) | 27.38% | (10.23%) | (15.49%) | (9.31%) | (6.85%) |
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 |
55.02% | 52.42% | 54.55% | 57.11% | 55.97% | 70.58% | 67.06% | 59.75% | 74.18% | 66.38% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.69% | 0.82% | 0.64% | 0.65% | 1.07% | 0.36% | 0.47% | 0.32% | 0.26% | 0.30% |
Graham Net Nets |
(1.03) | (0.96) | (1.08) | (1.07) | (0.30) | (0.01) | (0.59) | (0.89) | (1.65) | (1.53) |
Graham Number |
56.89 | 50.77 | 46.71 | 41.10 | 36.68 | 23.88 | 19.82 | 26.75 | 18.62 | 19.92 |
Earnings Yield |
11.25% | 10.07% | 10.40% | 12.50% | 10.73% | 7.07% | 3.98% | 9.66% | 9.83% | 7.79% |
Free Cash Flow Yield |
9.88% | 10.68% | 16.27% | 10.40% | 5.73% | 2.07% | 8.16% | 16.53% | 37.01% | 12.50% |
Revenue per Share |
20.29 | 18.73 | 16.45 | 13.48 | 11.43 | 11.64 | 8.89 | 9.70 | 9.66 | 9.64 |
Operating CF per Share |
4.89 | 5.41 | 6.26 | 3.42 | 1.96 | 0.68 | 2.14 | 2.94 | 3.45 | 1.79 |
Capex per Share |
(0.38) | (0.89) | (0.38) | (0.55) | (0.44) | (0.30) | (0.21) | (0.22) | (0.13) | (0.12) |
Free Cash Flow per Share |
4.51 | 4.52 | 5.88 | 2.88 | 1.52 | 0.38 | 1.93 | 2.72 | 3.31 | 1.67 |
Cash per Share |
24.76 | 13.85 | 16.65 | 11.95 | 40.06 | 42.21 | 16.61 | 9.92 | 11.12 | 11.70 |
Shareholders Equity per Share |
31.20 | 26.90 | 25.25 | 21.70 | 20.98 | 21.15 | 20.37 | 22.02 | 21.51 | 20.96 |
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 |
31.20 | 26.90 | 25.25 | 21.70 | 20.98 | 21.15 | 20.37 | 22.02 | 21.51 | 20.96 |
Free Cash Flow |
200.76 | 210.79 | 277.84 | 138.24 | 77.56 | 19.75 | 98.88 | 123.53 | 145.54 | 73.26 |
Working Capital |
(1,385.02) | (1,475.23) | (1,618.48) | (1,333.90) | (272.24) | 163.88 | (543.98) | (536.23) | (484.57) | (731.94) |
Capital Expenditures |
(16.96) | (41.71) | (17.82) | (26.21) | (22.48) | (15.21) | (10.74) | (9.82) | (5.90) | (5.25) |
Net Current Asset Value |
(1,887.20) | (1,894.81) | (1,891.30) | (1,416.60) | (403.44) | (5.39) | (720.42) | (667.20) | (649.22) | (899.68) |
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 |
0.02 | 0.05 | 0.02 | 0.04 | 0.04 | 0.03 | 0.02 | 0.02 | 0.01 | 0.01 |
Price to Operating Income |
7.80 | 7.78 | 6.58 | 5.44 | 6.31 | 8.59 | 12.21 | 5.63 | 5.78 | 6.88 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.27 | 0.22 | 0.23 | 0.20 | 0.18 | 0.18 | 0.24 | 0.30 | 0.30 | 0.53 |
Cash ROIC |
6.81% | 9.47% | 12.74% | 8.41% | 2.44% | 0.59% | 4.91% | 7.90% | 9.27% | 4.65% |
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 |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
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 |
21,719.29 | 21,662.21 | 40,486.21 | 93,376.31 | 75,070.84 | 47,318.93 | 55,095.73 | 40,234.97 | 42,237.76 | 29,782.87 |
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 |
9,933.77 | 9,683.48 | 9,165.27 | 8,585.74 | 8,509.38 | 8,057.13 | 6,303.36 | 4,853.80 | 4,731.98 | 4,691.12 |
Average Assets |
11,983.20 | 11,422.59 | 10,581.62 | 9,859.25 | 9,862.87 | 9,561.84 | 7,940.51 | 6,386.20 | 6,345.44 | 6,800.49 |
Average Common Equity |
1,322.19 | 1,223.93 | 1,117.94 | 1,055.78 | 1,031.57 | 973.73 | 930.68 | 838.49 | 756.76 | 732.74 |
Columns are period end dates · fundamentals updated 2 Nov 2026