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STOCKS

OFG Bancorp (OFG)

:OFG

OFG

OFG Bancorp

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OFG Bancorp (OFG) Ratios

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OFG Bancorp Ratios

OFG's free cash flow for Q2 2025 was $0.71. For the 2025 fiscal year, OFG's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.35	0.31	0.40	0.51	0.59
Quick Ratio	0.35	0.31	0.54	0.93	1.08
Cash Ratio	0.08	0.08	0.11	0.38	0.46
Solvency Ratio	0.02	0.02	0.02	1.79	0.73
Operating Cash Flow Ratio	0.02	0.03	0.03	0.02	-0.02
Short-Term Operating Cash Flow Coverage	7.84	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -7.35B	$ -7.17B	$ -6.69B	$ 2.62B	$ 2.61B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.02	<0.01	<0.01	0.01
Debt-to-Equity Ratio	0.40	0.19	0.05	0.09	0.12
Debt-to-Capital Ratio	0.28	0.16	0.05	0.08	0.11
Long-Term Debt-to-Capital Ratio	0.27	0.14	0.03	0.06	0.09
Financial Leverage Ratio	9.17	9.51	9.42	9.26	9.05
Debt Service Coverage Ratio	1.11	2.37	5.69	4.17	1.48
Interest Coverage Ratio	1.46	3.01	8.29	5.13	1.46
Debt to Market Cap	0.26	0.11	0.02	0.05	0.11
Interest Debt Per Share	15.51	6.62	1.83	2.69	3.89
Net Debt to EBITDA	-1.24	-1.79	-1.85	-7.94	-17.35
Profitability Margins
Gross Profit Margin	68.85%	79.59%	100.00%	100.00%	100.00%
EBIT Margin	28.34%	36.33%	39.79%	40.52%	19.45%
EBITDA Margin	30.65%	40.08%	43.75%	44.94%	24.44%
Operating Profit Margin	28.34%	36.33%	45.23%	39.70%	19.91%
Pretax Profit Margin	28.34%	36.43%	39.77%	39.70%	19.91%
Net Profit Margin	23.00%	24.98%	27.08%	27.04%	15.61%
Continuous Operations Profit Margin	23.00%	24.98%	27.08%	27.04%	15.61%
Net Income Per EBT	81.17%	68.57%	68.10%	68.10%	78.38%
EBT Per EBIT	100.00%	100.27%	87.93%	100.00%	100.00%
Return on Assets (ROA)	1.59%	1.60%	1.69%	1.48%	0.76%
Return on Equity (ROE)	14.97%	15.24%	15.95%	13.67%	6.84%
Return on Capital Employed (ROCE)	11.65%	16.72%	6.07%	4.64%	1.85%
Return on Invested Capital (ROIC)	9.33%	11.46%	-21.27%	-10.59%	-6.21%
Return on Tangible Assets	1.60%	1.63%	1.72%	1.50%	0.77%
Earnings Yield	9.79%	10.27%	12.56%	10.80%	7.81%
Efficiency Ratios
Receivables Turnover	5.08	10.20	4.02	2.97	3.30
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.09	5.79	4.64	4.47	4.14
Asset Turnover	0.07	0.06	0.06	0.05	0.05
Working Capital Turnover Ratio	-0.12	-0.11	-0.21	-0.24	-0.26
Cash Conversion Cycle	71.91	35.79	90.79	122.84	110.65
Days of Sales Outstanding	71.91	35.79	90.79	122.84	110.65
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	71.91	35.79	90.79	122.84	110.65
Cash Flow Ratios
Operating Cash Flow Per Share	4.80	6.26	3.42	1.96	-1.73
Free Cash Flow Per Share	3.93	5.88	2.78	1.51	-2.02
CapEx Per Share	0.88	0.38	0.65	0.45	0.30
Free Cash Flow to Operating Cash Flow	0.82	0.94	0.81	0.77	1.17
Dividend Paid and CapEx Coverage Ratio	2.46	5.02	2.69	2.27	-2.45
Capital Expenditure Coverage Ratio	5.48	16.56	5.31	4.34	-5.81
Operating Cash Flow Coverage Ratio	0.41	1.32	3.02	1.05	-0.66
Operating Cash Flow to Sales Ratio	0.25	0.41	0.27	0.19	-0.19
Free Cash Flow Yield	8.92%	15.68%	10.08%	5.69%	-10.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.22	9.74	7.96	9.26	12.81
Price-to-Sales (P/S) Ratio	2.33	2.43	2.16	2.50	2.00
Price-to-Book (P/B) Ratio	1.49	1.48	1.27	1.27	0.88
Price-to-Free Cash Flow (P/FCF) Ratio	11.21	6.38	9.92	17.58	-9.17
Price-to-Operating Cash Flow Ratio	9.23	5.99	8.05	13.53	-10.74
Price-to-Earnings Growth (PEG) Ratio	7.17	0.86	0.37	0.08	0.52
Price-to-Fair Value	1.49	1.48	1.27	1.27	0.88
Enterprise Value Multiple	6.37	4.28	3.08	-2.37	-9.17
Enterprise Value	1.65B	1.25B	827.73M	-575.19M	-1.07B
EV to EBITDA	6.37	4.28	3.08	-2.37	-9.17
EV to Sales	1.95	1.71	1.35	-1.06	-2.24
EV to Free Cash Flow	9.39	4.49	6.20	-7.47	10.27
EV to Operating Cash Flow	7.68	4.22	5.03	-5.75	12.04
Tangible Book Value Per Share	27.60	21.99	18.31	189.06	185.21
Shareholders’ Equity Per Share	29.75	25.25	21.70	20.98	21.15
Tax and Other Ratios
Effective Tax Rate	0.19	0.31	0.32	0.32	0.22
Revenue Per Share	18.87	15.41	12.78	10.61	9.27
Net Income Per Share	4.34	3.85	3.46	2.87	1.45
Tax Burden	0.81	0.69	0.68	0.68	0.78
Interest Burden	1.00	1.00	1.00	0.98	1.02
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.20	0.23	0.48	0.50	0.31
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	<0.01
Income Quality	1.11	1.63	0.99	0.68	-1.19

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