OFG BANCORP (OFG) Stock Fundamental Analysis
NYSE:OFG - New York Stock Exchange, Inc. - PR67103X1020 - Common Stock - Currency: USD
OFG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. OFG has only an average score on both its financial health and profitability. OFG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year OFG was profitable.
OFG had a positive operating cash flow in the past year.
In the past 5 years OFG has always been profitable.
OFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OFG has a Return On Assets of 1.72%. This is amongst the best in the industry. OFG outperforms 93.72% of its industry peers.
OFG has a better Return On Equity (15.80%) than 93.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.72% | ||
| ROE | 15.8% | ||
| ROIC | N/A |
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of OFG (27.85%) is better than 77.14% of its industry peers.
In the last couple of years the Profit Margin of OFG has grown nicely.
The Operating Margin and Gross Margin are not available for OFG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OFG has been reduced compared to 1 year ago.
Compared to 5 years ago, OFG has less shares outstanding
OFG has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of OFG is 0.36, which is an excellent value as it means it would take OFG, only 0.36 years of fcf income to pay off all of its debts.
OFG's Debt to FCF ratio of 0.36 is amongst the best of the industry. OFG outperforms 86.68% of its industry peers.
OFG has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.06, OFG belongs to the best of the industry, outperforming 81.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.64%, which is quite good.
OFG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.75% yearly.
The Revenue has been growing slightly by 3.26% in the past year.
OFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.92% yearly.
EPS 1Y (TTM)11.64%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%15.96%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%3.9%
3.2 Future
Based on estimates for the next years, OFG will show a small growth in Earnings Per Share. The EPS will grow by 3.48% on average per year.
Based on estimates for the next years, OFG will show a quite strong growth in Revenue. The Revenue will grow by 9.40% on average per year.
EPS Next Y-2.53%
EPS Next 2Y2.12%
EPS Next 3Y3.48%
EPS Next 5YN/A
Revenue Next Year12.1%
Revenue Next 2Y8.22%
Revenue Next 3Y9.4%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.36 indicates a reasonable valuation of OFG.
OFG's Price/Earnings ratio is rather cheap when compared to the industry. OFG is cheaper than 84.17% of the companies in the same industry.
OFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
Based on the Price/Forward Earnings ratio of 8.57, the valuation of OFG can be described as reasonable.
Based on the Price/Forward Earnings ratio, OFG is valued a bit cheaper than 69.10% of the companies in the same industry.
OFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.36 | ||
| Fwd PE | 8.57 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OFG is valued a bit cheaper than 76.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y2.12%
EPS Next 3Y3.48%
5. Dividend
5.1 Amount
OFG has a Yearly Dividend Yield of 3.35%.
OFG's Dividend Yield is comparable with the industry average which is at 3.66.
OFG's Dividend Yield is a higher than the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
5.2 History
On average, the dividend of OFG grows each year by 19.38%, which is quite nice.
OFG has been paying a dividend for at least 10 years, so it has a reliable track record.
As OFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)19.38%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
OFG pays out 23.03% of its income as dividend. This is a sustainable payout ratio.
The dividend of OFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.03%
EPS Next 2Y2.12%
EPS Next 3Y3.48%
NYSE:OFG (4/21/2025, 2:22:09 PM)
35.26
-0.55 (-1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.8%
Inst Owner Change0.16%
Ins Owners1.46%
Ins Owner Change-7.57%
Market Cap1.60B
Analysts80
Price Target51.13 (45.01%)
Short Float %1.31%
Short Ratio1.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
Yearly Dividend0.99
Dividend Growth(5Y)19.38%
DP23.03%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.57%
Min EPS beat(2)-2.69%
Max EPS beat(2)11.84%
EPS beat(4)3
Avg EPS beat(4)7.49%
Min EPS beat(4)-2.69%
Max EPS beat(4)11.84%
EPS beat(8)7
Avg EPS beat(8)5.61%
EPS beat(12)11
Avg EPS beat(12)6.88%
EPS beat(16)14
Avg EPS beat(16)9.82%
Revenue beat(2)1
Avg Revenue beat(2)-5.14%
Min Revenue beat(2)-10.46%
Max Revenue beat(2)0.17%
Revenue beat(4)1
Avg Revenue beat(4)-3.96%
Min Revenue beat(4)-10.46%
Max Revenue beat(4)0.17%
Revenue beat(8)4
Avg Revenue beat(8)0.54%
Revenue beat(12)8
Avg Revenue beat(12)10.58%
Revenue beat(16)12
Avg Revenue beat(16)15.9%
PT rev (1m)-1.47%
PT rev (3m)-0.5%
EPS NQ rev (1m)1.04%
EPS NQ rev (3m)3.75%
EPS NY rev (1m)0.18%
EPS NY rev (3m)3.04%
Revenue NQ rev (1m)-1.58%
Revenue NQ rev (3m)6.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.36 | ||
| Fwd PE | 8.57 | ||
| P/S | 2.25 | ||
| P/FCF | 7.6 | ||
| P/OCF | 6.35 | ||
| P/B | 1.28 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.22
EY11.97%
EPS(NY)4.11
Fwd EY11.67%
FCF(TTM)4.64
FCFY13.16%
OCF(TTM)5.56
OCFY15.76%
SpS15.66
BVpS27.6
TBVpS23.88
PEG (NY)N/A
PEG (5Y)0.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.72% | ||
| ROE | 15.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.85% | ||
| GM | N/A | ||
| FCFM | 29.62% |
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 155.72% | ||
| Cap/Sales | 5.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 106.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.34%
ROIC/WACCN/A
Cap/Depr(3y)116.22%
Cap/Depr(5y)101.92%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.13%
Profit Quality(3y)113.13%
Profit Quality(5y)84.3%
High Growth Momentum
Growth
EPS 1Y (TTM)11.64%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%15.96%
EPS Next Y-2.53%
EPS Next 2Y2.12%
EPS Next 3Y3.48%
EPS Next 5YN/A
Revenue 1Y (TTM)3.26%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%3.9%
Revenue Next Year12.1%
Revenue Next 2Y8.22%
Revenue Next 3Y9.4%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.12%
FCF growth 3Y39.95%
FCF growth 5Y16.89%
OCF growth 1Y-14.6%
OCF growth 3Y36.17%
OCF growth 5Y18.17%