| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 846.53M | 822.77M | 728.15M | 598.51M | 540.58M | 541.21M |
| Gross Profit | 582.87M | 578.69M | 579.50M | 540.89M | 497.03M | 383.62M |
| EBITDA | 259.45M | 280.54M | 291.82M | 268.53M | 238.53M | 118.58M |
| Net Income | 194.72M | 198.17M | 181.87M | 166.24M | 146.15M | 74.33M |
Balance Sheet | ||||||
| Total Assets | 12.23B | 11.50B | 11.34B | 9.82B | 9.90B | 9.83B |
| Cash, Cash Equivalents and Short-Term Investments | 3.26B | 2.93B | 2.85B | 1.96B | 2.53B | 2.60B |
| Total Debt | 530.81M | 422.56M | 224.80M | 54.40M | 95.07M | 134.92M |
| Total Liabilities | 10.90B | 10.25B | 10.15B | 8.78B | 8.83B | 8.74B |
| Stockholders Equity | 1.33B | 1.25B | 1.19B | 1.04B | 1.07B | 1.09B |
Cash Flow | ||||||
| Free Cash Flow | 176.12M | 210.79M | 277.80M | 133.46M | 76.99M | 19.70M |
| Operating Cash Flow | 215.43M | 252.50M | 295.66M | 164.46M | 100.04M | 34.96M |
| Investing Cash Flow | -799.69M | -335.98M | -1.40B | -1.51B | -182.93M | 757.50M |
| Financing Cash Flow | 695.63M | -73.56M | 1.31B | -124.70M | -49.04M | 510.36M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.76B | 8.90 | 14.82% | 2.90% | 4.15% | 4.39% | |
74 Outperform | $1.78B | 14.09 | 16.42% | 2.65% | 6.32% | 11.49% | |
74 Outperform | $1.94B | 14.47 | 11.89% | 0.92% | 8.38% | 26.81% | |
72 Outperform | $1.69B | 12.33 | 9.31% | 3.25% | 4.57% | -15.68% | |
71 Outperform | $1.81B | 10.96 | 8.96% | 6.48% | 14.86% | 40.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $1.66B | 14.37 | 7.25% | 3.50% | -1.28% | 32.40% |
OFG Bancorp is a diversified financial holding company operating primarily in Puerto Rico and the U.S. Virgin Islands, offering a wide range of retail and commercial banking, lending, and wealth management services through its subsidiaries.
OFG Bancorp’s recent earnings call painted a picture of robust financial health, underscored by strong growth in digital banking solutions and a favorable economic climate in Puerto Rico. Despite these positive developments, the company faced challenges with increased provisions for credit losses and rising interest expenses.