Inter & Co. Inc. (INTR) vs OFG Bancorp (OFG)

Inter & Co. Inc. and OFG Bancorp are both Banks Regional companies. Inter & Co. Inc. and OFG Bancorp are of similar size ($2.2B and $2.2B). Inter & Co. Inc. trades at the lower P/E: 7.7× against 10.2×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 3.82%. OFG Bancorp has the higher net margin (24.0% vs 9.22%) and the higher return on invested capital (15.0% vs 0.00%). Both pay a dividend; OFG Bancorp yields more (2.45% vs 0.34%). Across the 18 metrics below, Inter & Co. Inc. leads on 11 and OFG Bancorp on 7.

Valuation

Metric INTR OFG Banks Regional median
P/E 7.74 10.18 12.15
P/S 0.72 2.39 2.37
P/B 1.07 1.56 1.21
Price to free cash flow 9.79 11.95 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.04 2.01 2.27
Earnings yield 12.92% 9.82% 8.11%
Free cash flow yield 10.21% 8.37% 8.98%

Profitability

Metric INTR OFG Banks Regional median
Gross margin 58.20% 81.45% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 24.04% 18.66%
Free cash flow margin 7.36% 22.26% 21.18%
Return on equity 15.36% 16.08% 10.64%
Return on assets 1.64% 1.81% 1.13%
Return on invested capital 0.00% 14.96% 8.33%

Growth

Metric INTR OFG Banks Regional median
Revenue growth (TTM) 52.59% 3.82% 6.61%
EPS growth (last fiscal year) 39.47% 8.27% —
Revenue growth, 5-year CAGR — 8.62% 12.30%
Net income growth, 5-year CAGR — 24.78% 9.71%

Health

Metric INTR OFG Banks Regional median
Debt to equity 0.08 0.32 0.22
Current ratio 0.90 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR OFG Banks Regional median
Dividend yield 0.34% 2.45% 3.75%
Payout ratio — 0.22 0.27

Size

Metric INTR OFG Banks Regional median
Market cap 2.23b 2.19b 921.07m

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