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OFG Bancorp (OFG)
NYSE:OFG
US Market
OFG
OFG Bancorp
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OFG Bancorp (OFG) Ratios

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OFG Bancorp Ratios

OFG's free cash flow for Q4 2025 was $0.81. For the 2025 fiscal year, OFG's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 8.02 0.12 0.32 0.31 0.24
Quick Ratio
 8.02 0.12 0.32 0.31 0.24
Cash Ratio
 6.36 0.10 0.06 0.08 0.06
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 2.18 0.02 0.03 0.03 0.02
Short-Term Operating Cash Flow Coverage
 2.18 2.16 3.36 0.00 0.00
Net Current Asset Value
$ -9.88B$ -9.85B$ -7.17B$ -7.17B$ -6.70B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 0.04 0.02 <0.01
Debt-to-Equity Ratio
 0.42 0.42 0.34 0.19 0.05
Debt-to-Capital Ratio
 0.30 0.29 0.25 0.16 0.05
Long-Term Debt-to-Capital Ratio
 0.25 0.25 0.21 0.14 0.03
Financial Leverage Ratio
 8.81 8.97 9.17 9.51 9.42
Debt Service Coverage Ratio
 0.95 0.94 0.95 2.37 5.69
Interest Coverage Ratio
 1.60 1.54 1.57 3.01 7.29
Debt to Market Cap
 0.28 0.29 0.20 0.11 0.02
Interest Debt Per Share
 17.56 16.17 12.53 6.62 1.83
Net Debt to EBITDA
 -0.20 -1.61 -0.60 -1.79 -1.85
Profitability Margins
Gross Profit Margin
72.22%71.24%70.33%79.59%90.37%
EBIT Margin
31.21%30.84%30.92%36.33%40.80%
EBITDA Margin
32.67%33.06%34.10%40.08%44.87%
Operating Profit Margin
31.21%30.84%30.84%36.43%40.79%
Pretax Profit Margin
27.60%27.14%30.84%36.43%40.79%
Net Profit Margin
24.20%23.78%24.09%24.98%27.78%
Continuous Operations Profit Margin
24.20%23.78%24.09%24.98%27.78%
Net Income Per EBT
87.68%87.61%78.10%68.57%68.10%
EBT Per EBIT
88.42%88.01%100.00%100.00%100.00%
Return on Assets (ROA)
1.77%1.65%1.72%1.60%1.69%
Return on Equity (ROE)
15.62%14.76%15.80%15.24%15.95%
Return on Capital Employed (ROCE)
2.30%14.23%13.94%16.76%21.69%
Return on Invested Capital (ROIC)
21.38%11.83%10.45%11.49%14.77%
Return on Tangible Assets
1.79%1.66%1.75%1.63%1.72%
Earnings Yield
11.11%10.75%10.04%10.27%12.56%
Efficiency Ratios
Receivables Turnover
 5.32 5.33 11.48 10.20 9.59
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
 7.81 9.22 6.65 5.79 4.53
Asset Turnover
 0.07 0.07 0.07 0.06 0.06
Working Capital Turnover Ratio
 -0.20 -0.11 -0.12 -0.11 -0.09
Cash Conversion Cycle
 68.56 68.53 31.79 35.79 38.06
Days of Sales Outstanding
 68.56 68.53 31.79 35.79 38.06
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
 68.56 68.53 31.79 35.79 38.06
Cash Flow Ratios
Operating Cash Flow Per Share
 5.09 4.67 5.41 6.26 3.42
Free Cash Flow Per Share
 4.66 4.28 4.52 5.88 2.78
CapEx Per Share
 0.43 0.39 0.89 0.38 0.65
Free Cash Flow to Operating Cash Flow
 0.92 0.92 0.83 0.94 0.81
Dividend Paid and CapEx Coverage Ratio
 3.10 3.10 2.89 5.02 2.69
Capital Expenditure Coverage Ratio
 11.84 11.84 6.05 16.56 5.31
Operating Cash Flow Coverage Ratio
 0.38 0.38 0.60 1.32 3.02
Operating Cash Flow to Sales Ratio
 0.25 0.25 0.31 0.41 0.27
Free Cash Flow Yield
10.31%10.44%10.68%15.68%10.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.21 9.31 9.96 9.74 7.96
Price-to-Sales (P/S) Ratio
 2.24 2.21 2.40 2.43 2.21
Price-to-Book (P/B) Ratio
 1.44 1.37 1.57 1.48 1.27
Price-to-Free Cash Flow (P/FCF) Ratio
 9.93 9.58 9.36 6.38 9.92
Price-to-Operating Cash Flow Ratio
 9.03 8.77 7.82 5.99 8.05
Price-to-Earnings Growth (PEG) Ratio
 0.68 1.41 0.96 0.86 0.37
Price-to-Fair Value
 1.44 1.37 1.57 1.48 1.27
Enterprise Value Multiple
 6.67 5.08 6.43 4.28 3.08
Enterprise Value
 1.88B 1.45B 1.81B 1.25B 827.89M
EV to EBITDA
 6.51 5.08 6.43 4.28 3.08
EV to Sales
 2.13 1.68 2.19 1.71 1.38
EV to Free Cash Flow
 9.41 7.27 8.56 4.49 6.20
EV to Operating Cash Flow
 8.62 6.65 7.15 4.22 5.03
Tangible Book Value Per Share
 29.77 27.82 23.26 21.99 18.31
Shareholders’ Equity Per Share
 31.95 29.84 26.90 25.25 21.70
Tax and Other Ratios
Effective Tax Rate
 0.12 0.12 0.22 0.31 0.32
Revenue Per Share
 20.62 18.52 17.64 15.41 12.46
Net Income Per Share
 4.99 4.40 4.25 3.85 3.46
Tax Burden
 0.88 0.88 0.78 0.69 0.68
Interest Burden
 0.88 0.88 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.21 0.22 0.23 0.26
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.06 1.06 1.27 1.63 0.99
Currency in USD