OFG BANCORP (OFG) Stock Fundamental Analysis
USA - NYSE:OFG - PR67103X1020 - Common Stock
39.17 USD
-0.43 (-1.09%)
39.17 USD
0 (0%)
Taking everything into account, OFG scores 5 out of 10 in our fundamental rating. OFG was compared to 391 industry peers in the Banks industry. OFG has only an average score on both its financial health and profitability. OFG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year OFG was profitable.
OFG had a positive operating cash flow in the past year.
Each year in the past 5 years OFG has been profitable.
OFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OFG has a better Return On Assets (1.59%) than 91.30% of its industry peers.
The Return On Equity of OFG (14.59%) is better than 92.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.59% | ||
| ROE | 14.59% | ||
| 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
OFG's Profit Margin of 27.11% is fine compared to the rest of the industry. OFG outperforms 69.57% of its industry peers.
OFG's Profit Margin has improved in the last couple of years.
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) | 27.11% | ||
| 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.
Compared to 1 year ago, OFG has less shares outstanding
OFG has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, OFG has a worse debt to assets ratio.
2.2 Solvency
OFG has a debt to FCF ratio of 0.16. This is a very positive value and a sign of high solvency as it would only need 0.16 years to pay back of all of its debts.
The Debt to FCF ratio of OFG (0.16) is better than 86.96% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that OFG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.02, OFG belongs to the top of the industry, outperforming 84.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.11% over the past year.
The Earnings Per Share has been growing by 26.75% on average over the past years. This is a very strong growth
OFG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.26%.
The Revenue has been growing by 11.92% on average over the past years. This is quite good.
EPS 1Y (TTM)8.11%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%16%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%24.42%
3.2 Future
The Earnings Per Share is expected to grow by 6.03% on average over the next years.
OFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.92% yearly.
EPS Next Y7.14%
EPS Next 2Y4.58%
EPS Next 3Y6.03%
EPS Next 5YN/A
Revenue Next Year4.77%
Revenue Next 2Y3.27%
Revenue Next 3Y2.92%
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
OFG is valuated reasonably with a Price/Earnings ratio of 8.90.
85.68% of the companies in the same industry are more expensive than OFG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.67, OFG is valued rather cheaply.
OFG is valuated reasonably with a Price/Forward Earnings ratio of 8.49.
OFG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OFG is cheaper than 71.87% of the companies in the same industry.
OFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 8.49 |
4.2 Price Multiples
OFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OFG is cheaper than 65.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)0.33
EPS Next 2Y4.58%
EPS Next 3Y6.03%
5. Dividend
5.1 Amount
OFG has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
OFG's Dividend Yield is comparable with the industry average which is at 3.55.
OFG's Dividend Yield is a higher than the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
5.2 History
The dividend of OFG is nicely growing with an annual growth rate of 19.38%!
OFG has paid a dividend for at least 10 years, which is a reliable track record.
OFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)19.38%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
OFG pays out 24.84% 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.
DP24.84%
EPS Next 2Y4.58%
EPS Next 3Y6.03%
39.17
-0.43 (-1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.11%
Inst Owner Change0%
Ins Owners1.47%
Ins Owner Change-1.65%
Market Cap1.74B
Revenue(TTM)711.69M
Net Income(TTM)194.72M
Analysts77.14
Price Target51 (30.2%)
Short Float %1.52%
Short Ratio2.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend0.99
Dividend Growth(5Y)19.38%
DP24.84%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.39%
Min EPS beat(2)2.34%
Max EPS beat(2)8.44%
EPS beat(4)3
Avg EPS beat(4)4.98%
Min EPS beat(4)-2.69%
Max EPS beat(4)11.84%
EPS beat(8)7
Avg EPS beat(8)5.14%
EPS beat(12)11
Avg EPS beat(12)5.14%
EPS beat(16)14
Avg EPS beat(16)6.1%
Revenue beat(2)0
Avg Revenue beat(2)-5.31%
Min Revenue beat(2)-7.03%
Max Revenue beat(2)-3.6%
Revenue beat(4)1
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-10.46%
Max Revenue beat(4)0.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.99%
Revenue beat(12)6
Avg Revenue beat(12)3.98%
Revenue beat(16)10
Avg Revenue beat(16)11.4%
PT rev (1m)0%
PT rev (3m)2.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.81%
EPS NY rev (1m)0%
EPS NY rev (3m)7.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 8.49 | ||
| P/S | 2.43 | ||
| P/FCF | 9.9 | ||
| P/OCF | 8.09 | ||
| P/B | 1.31 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.4
EY11.23%
EPS(NY)4.62
Fwd EY11.78%
FCF(TTM)3.96
FCFY10.1%
OCF(TTM)4.84
OCFY12.35%
SpS16.14
BVpS29.97
TBVpS26.26
PEG (NY)1.25
PEG (5Y)0.33
Graham Number54.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.59% | ||
| ROE | 14.59% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.11% | ||
| GM | N/A | ||
| FCFM | 24.52% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 151.98% | ||
| Cap/Sales | 5.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 90.45% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.79%
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)8.11%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%16%
EPS Next Y7.14%
EPS Next 2Y4.58%
EPS Next 3Y6.03%
EPS Next 5YN/A
Revenue 1Y (TTM)3.26%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%24.42%
Revenue Next Year4.77%
Revenue Next 2Y3.27%
Revenue Next 3Y2.92%
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 1Y15.23%
FCF growth 3Y39.95%
FCF growth 5Y16.89%
OCF growth 1Y23.73%
OCF growth 3Y36.17%
OCF growth 5Y18.17%