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OFG Bancorp (OFG) Ratios
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OFG Bancorp Ratios
OFG's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, OFG's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.12 | 0.32 | 0.31 | 0.24 | 0.30 |
| Quick Ratio | 0.12 | 0.32 | 0.31 | 0.24 | 0.30 |
| Cash Ratio | 0.10 | 0.06 | 0.08 | 0.06 | 0.23 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 2.16 | 3.36 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -9.85B | $ -7.17B | $ -7.17B | $ -6.70B | $ -6.18B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.04 | 0.02 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.42 | 0.34 | 0.19 | 0.05 | 0.09 |
| Debt-to-Capital Ratio | 0.29 | 0.25 | 0.16 | 0.05 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.25 | 0.21 | 0.14 | 0.03 | 0.06 |
| Financial Leverage Ratio | 8.97 | 9.17 | 9.51 | 9.42 | 9.26 |
| Debt Service Coverage Ratio | 0.96 | 0.95 | 2.37 | 5.69 | 4.07 |
| Interest Coverage Ratio | 1.54 | 1.57 | 3.01 | 7.29 | 5.13 |
| Debt to Market Cap | 0.29 | 0.20 | 0.11 | 0.02 | 0.05 |
| Interest Debt Per Share | 16.17 | 12.53 | 6.62 | 1.83 | 2.69 |
| Net Debt to EBITDA | -1.58 | -0.60 | -1.79 | -1.85 | -8.08 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.24% | 70.33% | 79.59% | 90.37% | 92.20% |
| EBIT Margin | 30.84% | 30.92% | 36.33% | 40.80% | 39.81% |
| EBITDA Margin | 33.78% | 34.10% | 40.08% | 44.87% | 44.25% |
| Operating Profit Margin | 30.84% | 30.84% | 36.43% | 40.79% | 39.81% |
| Pretax Profit Margin | 27.14% | 30.84% | 36.43% | 40.79% | 39.81% |
| Net Profit Margin | 23.78% | 24.09% | 24.98% | 27.78% | 27.11% |
| Continuous Operations Profit Margin | 23.78% | 24.09% | 24.98% | 27.78% | 27.11% |
| Net Income Per EBT | 87.61% | 78.10% | 68.57% | 68.10% | 68.10% |
| EBT Per EBIT | 88.01% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.65% | 1.72% | 1.60% | 1.69% | 1.48% |
| Return on Equity (ROE) | 14.76% | 15.80% | 15.24% | 15.95% | 13.67% |
| Return on Capital Employed (ROCE) | 14.23% | 13.94% | 16.76% | 21.69% | 17.88% |
| Return on Invested Capital (ROIC) | 11.83% | 10.45% | 11.49% | 14.77% | 12.18% |
| Return on Tangible Assets | 1.66% | 1.75% | 1.63% | 1.72% | 1.50% |
| Earnings Yield | 10.75% | 10.04% | 10.27% | 12.56% | 10.80% |
| Efficiency Ratios | |||||
| Receivables Turnover | 5.33 | 11.48 | 10.20 | 9.59 | 9.53 |
| 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 | 9.22 | 6.65 | 5.79 | 4.53 | 4.46 |
| Asset Turnover | 0.07 | 0.07 | 0.06 | 0.06 | 0.05 |
| Working Capital Turnover Ratio | -0.11 | -0.12 | -0.11 | -0.09 | -0.09 |
| Cash Conversion Cycle | 68.53 | 31.79 | 35.79 | 38.06 | 38.30 |
| Days of Sales Outstanding | 68.53 | 31.79 | 35.79 | 38.06 | 38.30 |
| 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 | 68.53 | 31.79 | 35.79 | 38.06 | 38.30 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.67 | 5.41 | 6.26 | 3.42 | 1.96 |
| Free Cash Flow Per Share | 4.28 | 4.52 | 5.88 | 2.78 | 1.51 |
| Dividend Paid and CapEx Coverage Ratio | 3.10 | 2.89 | 5.02 | 2.69 | 2.27 |
| Capital Expenditure Coverage Ratio | 11.84 | 6.05 | 16.56 | 5.31 | 4.34 |
| Operating Cash Flow Coverage Ratio | 0.38 | 0.60 | 1.32 | 3.02 | 1.05 |
| Operating Cash Flow to Sales Ratio | 0.25 | 0.31 | 0.41 | 0.27 | 0.19 |
| Free Cash Flow Yield | 10.44% | 10.68% | 15.68% | 10.08% | 5.69% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.05 | 9.96 | 9.74 | 7.96 | 9.26 |
| Price-to-Sales (P/S) Ratio | 2.21 | 2.40 | 2.43 | 2.21 | 2.51 |
| Price-to-Book (P/B) Ratio | 1.37 | 1.57 | 1.48 | 1.27 | 1.27 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.58 | 9.36 | 6.38 | 9.92 | 17.58 |
| Price-to-Operating Cash Flow Ratio | 8.77 | 7.82 | 5.99 | 8.05 | 13.53 |
| Price-to-Earnings Growth (PEG) Ratio | 1.37 | 0.96 | 0.86 | 0.37 | 0.08 |
| Enterprise Value Multiple | 4.97 | 6.43 | 4.28 | 3.08 | -2.41 |
| Enterprise Value | 1.45B | 1.81B | 1.25B | 827.89M | -575.01M |
| EV to EBITDA | 4.97 | 6.43 | 4.28 | 3.08 | -2.41 |
| EV to Sales | 1.68 | 2.19 | 1.71 | 1.38 | -1.07 |
| EV to Free Cash Flow | 7.27 | 8.56 | 4.49 | 6.20 | -7.47 |
| EV to Operating Cash Flow | 6.65 | 7.15 | 4.22 | 5.03 | -5.75 |
| Tangible Book Value Per Share | 27.82 | 23.26 | 21.99 | 18.31 | 17.62 |
| Shareholders’ Equity Per Share | 29.84 | 26.90 | 25.25 | 21.70 | 20.98 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.12 | 0.22 | 0.31 | 0.32 | 0.32 |
| Revenue Per Share | 18.52 | 17.64 | 15.41 | 12.46 | 10.58 |
| Net Income Per Share | 4.40 | 4.25 | 3.85 | 3.46 | 2.87 |
| Tax Burden | 0.88 | 0.78 | 0.69 | 0.68 | 0.68 |
| Interest Burden | 0.88 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.21 | 0.22 | 0.23 | 0.26 | 0.27 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.06 | 1.27 | 1.63 | 0.99 | 0.68 |
Currency in USD
