OFG's free cash flow for Q2 2025 was $0.70. For the 2025 fiscal year, OFG's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.31	0.40	0.51	0.59
Quick Ratio	0.00	0.31	0.54	0.93	1.08
Cash Ratio	0.00	0.08	0.11	0.38	0.46
Solvency Ratio	0.02	0.02	0.02	1.79	0.73
Operating Cash Flow Ratio	0.00	0.03	0.03	0.02	-0.02
Short-Term Operating Cash Flow Coverage	2.14	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -9.95B	$ -7.17B	$ -6.69B	$ 2.62B	$ 2.61B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.02	<0.01	<0.01	0.01
Debt-to-Equity Ratio	0.46	0.19	0.05	0.09	0.12
Debt-to-Capital Ratio	0.31	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	8.89	9.51	9.42	9.26	9.05
Debt Service Coverage Ratio	0.97	2.37	5.69	4.17	1.48
Interest Coverage Ratio	1.94	3.01	8.29	5.13	1.46
Debt to Market Cap	0.33	0.11	0.02	0.05	0.11
Interest Debt Per Share	16.93	6.62	1.83	2.69	3.89
Net Debt to EBITDA	-0.43	-1.79	-1.85	-7.94	-17.35
Profitability Margins
Gross Profit Margin	49.58%	79.59%	100.00%	100.00%	100.00%
EBIT Margin	27.87%	36.33%	39.79%	40.52%	19.45%
EBITDA Margin	30.07%	40.08%	43.75%	44.94%	24.44%
Operating Profit Margin	27.87%	36.33%	45.23%	39.70%	19.91%
Pretax Profit Margin	27.87%	36.43%	39.77%	39.70%	19.91%
Net Profit Margin	23.22%	24.98%	27.08%	27.04%	15.61%
Continuous Operations Profit Margin	23.22%	24.98%	27.08%	27.04%	15.61%
Net Income Per EBT	83.33%	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)	1.63%	1.60%	1.69%	1.48%	0.76%
Return on Equity (ROE)	15.18%	15.24%	15.95%	13.67%	6.84%
Return on Capital Employed (ROCE)	1.96%	16.72%	6.07%	4.64%	1.85%
Return on Invested Capital (ROIC)	16.21%	11.46%	-21.27%	-10.59%	-6.21%
Return on Tangible Assets	1.64%	1.63%	1.72%	1.50%	0.77%
Earnings Yield	11.08%	10.27%	12.56%	10.80%	7.81%
Efficiency Ratios
Receivables Turnover	5.28	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	6.96	5.79	4.64	4.47	4.14
Asset Turnover	0.07	0.06	0.06	0.05	0.05
Working Capital Turnover Ratio	-0.30	-0.11	-0.21	-0.24	-0.26
Cash Conversion Cycle	69.18	35.79	90.79	122.84	110.65
Days of Sales Outstanding	69.18	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	69.18	35.79	90.79	122.84	110.65
Cash Flow Ratios
Operating Cash Flow Per Share	4.85	6.26	3.42	1.96	-1.73
Free Cash Flow Per Share	3.96	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	0.34	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	9.76%	15.68%	10.08%	5.69%	-10.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.03	9.74	7.96	9.26	12.81
Price-to-Sales (P/S) Ratio	2.10	2.43	2.16	2.50	2.00
Price-to-Book (P/B) Ratio	1.31	1.48	1.27	1.27	0.88
Price-to-Free Cash Flow (P/FCF) Ratio	10.25	6.38	9.92	17.58	-9.17
Price-to-Operating Cash Flow Ratio	8.36	5.99	8.05	13.53	-10.74
Price-to-Earnings Growth (PEG) Ratio	2.41	0.86	0.37	0.08	0.52
Price-to-Fair Value	1.31	1.48	1.27	1.27	0.88
Enterprise Value Multiple	6.55	4.28	3.08	-2.37	-9.17
Enterprise Value	1.69B	1.25B	827.73M	-575.19M	-1.07B
EV to EBITDA	6.55	4.28	3.08	-2.37	-9.17
EV to Sales	1.97	1.71	1.35	-1.06	-2.24
EV to Free Cash Flow	9.62	4.49	6.20	-7.47	10.27
EV to Operating Cash Flow	7.86	4.22	5.03	-5.75	12.04
Tangible Book Value Per Share	28.81	21.99	18.31	189.06	185.21
Shareholders’ Equity Per Share	30.96	25.25	21.70	20.98	21.15
Tax and Other Ratios
Effective Tax Rate	0.17	0.31	0.32	0.32	0.22
Revenue Per Share	19.34	15.41	12.78	10.61	9.27
Net Income Per Share	4.49	3.85	3.46	2.87	1.45
Tax Burden	0.83	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	0.15	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

Currency in USD

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