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 '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
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)
ROE 15.51% 16.19% 16.27% 15.75% 14.05% 6.96% 5.09% 8.63% 5.13% 6.19%
ROA 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
Net Profit Margin 22.69% 22.69% 23.40% 25.68% 24.88% 11.35% 10.37% 16.43% 9.14% 10.70%
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 4.21% 6.65% 8.78% 3.51% 0.25% (1.46%) 1.42% 4.12% 5.33% 0.51%
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

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