OFG Bancorp (OFG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 476 | 497 | 565 | 640 | 661 | 690 | 732 | - |
| Operating profit | $m | 266 | 284 | ||||||
| Net profit | $m | 74 | 146 | 166 | 182 | 198 | 205 | 220 | 240 |
| EPS reported | $ | 4.49 | 4.99 | ||||||
| Operating cashflow per share | $ | 4.67 | 5.32 | ||||||
| Capex per share | $ | 0.39 | 0.53 | ||||||
| FCF per share | $ | 4.28 | 4.80 | ||||||
| Free cash flow | $m | 199 | 203 | ||||||
| Net debt | $m | -483 | -2,864 | ||||||
| Book value equity | $m | 1,390 | 1,407 | ||||||
| Book value per share | $ | 29.35 | 33.19 | ||||||
| Number of shares | m | 47.37 | 42.4 | ||||||
| DPS (TTM paid) | $ | 1.20 | 1.65 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.13 | 10.41 | ||||||
| P/B LTM | x | 1.37 | 1.36 | ||||||
| P/S LTM | x | 2.77 | 2.61 | ||||||
| P/FCF LTM | x | 9.58 | 9.42 | ||||||
| EV/EBITDA LTM | x | 5.08 | 4.70 | ||||||
| EV/Sales LTM | x | 1.68 | 2.34 | ||||||
| Earnings Yield LTM | % | +10.95% | +9.61% | ||||||
| FCF Yield | % | +10.44% | +10.62% | ||||||
| Quality | |||||||||
| ROE | % | +14.76% | +15.92% | ||||||
| ROIC | % | +11.83% | +11.44% | ||||||
| Operating margin | % | +30.84% | +31.46% | ||||||
| Gross margin | % | +71.24% | +74.09% | ||||||
| FCF/Sales | % | +23.11% | +22.46% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +6.15% | +17.97% | ||||||
| Sales Growth YoY | % | +4.42% | +10.82% | ||||||
| Net Income Growth YoY | % | +3.50% | +11.24% | ||||||
| FCF Growth | % | -5.43% | -3.86% | ||||||
| Operating Profit Growth | % | +4.83% | +11.91% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.72% | +2.41% | ||||||
| Dividend Growth | % | +20.00% | +65.00% | ||||||
| Payout Ratio | % | +24.39% | +24.76% | ||||||
| FCF/Debt | x | 0.34 | 0.35 | ||||||
| Net Debt/EBITDA | x | -1.61 | -0.54 | ||||||
| EBIT/Net interest | x | 1.54 | 1.67 | ||||||
| Net debt/market cap | % | +29.20% | +24.41% | ||||||
| Net debt/Equity | x | -0.35 | -2.04 | ||||||
| Gross debt/equity | x | 0.42 | 0.41 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans. Beyond traditional lending and deposits, OFG Bancorp also provides financial planning, insurance, and trust services for both corporate and individual clients, as well as retirement plan administration. The firm extends its offerings to securities brokerage and investment advisory, assisting retail and institutional investors with various investment vehicles, including tax-advantaged fixed income instruments, mutual funds, stocks, and bonds. This segment also manages separately-managed accounts and offers mutual fund asset allocation programs. Furthermore, OFG Bancorp is engaged in insurance agency and reinsurance activities, and its Treasury segment actively manages an investment portfolio composed of mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. It also participates in and manages public and private placements of debt and equity. Additional services encompass money management and investment banking. The company also oversees asset/liability management strategies, which involve the purchase and sale of investment securities, interest rate risk management, derivatives, and various borrowing activities. Founded in 1964 and headquartered in San Juan, Puerto Rico, OFG Bancorp serves its customers through a network of 50 branches in Puerto Rico and two branches in the U.S. Virgin Islands.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans. Beyond traditional lending and deposits, OFG Bancorp also provides financial planning, insurance, and trust services for both corporate and individual clients, as well as retirement plan administration. The firm extends its offerings to securities brokerage and investment advisory, assisting retail and institutional investors with various investment vehicles, including tax-advantaged fixed income instruments, mutual funds, stocks, and bonds. This segment also manages separately-managed accounts and offers mutual fund asset allocation programs. Furthermore, OFG Bancorp is engaged in insurance agency and reinsurance activities, and its Treasury segment actively manages an investment portfolio composed of mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. It also participates in and manages public and private placements of debt and equity. Additional services encompass money management and investment banking. The company also oversees asset/liability management strategies, which involve the purchase and sale of investment securities, interest rate risk management, derivatives, and various borrowing activities. Founded in 1964 and headquartered in San Juan, Puerto Rico, OFG Bancorp serves its customers through a network of 50 branches in Puerto Rico and two branches in the U.S. Virgin Islands.
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