OFG BANCORP (OFG) Stock Fundamental Analysis
NYSE:OFG - PR67103X1020 - Common Stock
44.81 USD
+2.06 (+4.82%)
44.81 USD
0 (0%)
OFG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. OFG has an average financial health and profitability rating. OFG has a correct valuation and a medium 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.
OFG had positive earnings in each of the past 5 years.
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 91.35% of its industry peers.
OFG has a Return On Equity of 14.59%. This is amongst the best in the industry. OFG outperforms 92.37% 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
Looking at the Profit Margin, with a value of 27.11%, OFG is in the better half of the industry, outperforming 70.74% of the companies in the same industry.
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) | 27.11% | ||
| 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
Compared to 5 years ago, OFG has less shares outstanding
The debt/assets ratio for OFG is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of OFG is 0.16, which is an excellent value as it means it would take OFG, only 0.16 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.16, OFG belongs to the best of the industry, outperforming 88.30% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that OFG is not too dependend on debt financing.
OFG's Debt to Equity ratio of 0.02 is amongst the best of the industry. OFG outperforms 84.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.47%.
The Earnings Per Share has been growing by 26.75% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 1.33% 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)5.47%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%6.48%
Revenue 1Y (TTM)1.33%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%3.12%
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 6.10% on average per year.
OFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.99% yearly.
EPS Next Y6.74%
EPS Next 2Y4.58%
EPS Next 3Y6.1%
EPS Next 5YN/A
Revenue Next Year4.69%
Revenue Next 2Y3.28%
Revenue Next 3Y2.99%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.57, the valuation of OFG can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of OFG indicates a somewhat cheap valuation: OFG is cheaper than 78.88% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of OFG to the average of the S&P500 Index (27.24), we can say OFG is valued rather cheaply.
A Price/Forward Earnings ratio of 9.71 indicates a reasonable valuation of OFG.
62.09% of the companies in the same industry are more expensive than OFG, based on the Price/Forward Earnings ratio.
OFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.81, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
OFG's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.33 | ||
| 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)1.57
PEG (5Y)0.4
EPS Next 2Y4.58%
EPS Next 3Y6.1%
5. Dividend
5.1 Amount
OFG has a Yearly Dividend Yield of 2.81%.
OFG's Dividend Yield is comparable with the industry average which is at 3.30.
OFG's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
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
24.84% of the earnings are spent on dividend by OFG. This is a low number and sustainable payout ratio.
OFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.84%
EPS Next 2Y4.58%
EPS Next 3Y6.1%
44.81
+2.06 (+4.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.57%
Inst Owner Change-1.11%
Ins Owners1.46%
Ins Owner Change0.3%
Market Cap1.99B
Analysts77.14
Price Target51 (13.81%)
Short Float %1.23%
Short Ratio2.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
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)2.74%
PT rev (3m)9.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.22%
EPS NY rev (1m)7.21%
EPS NY rev (3m)6.95%
Revenue NQ rev (1m)-5.17%
Revenue NQ rev (3m)-2.87%
Revenue NY rev (1m)-5.15%
Revenue NY rev (3m)-3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 9.71 | ||
| P/S | 2.78 | ||
| P/FCF | 11.33 | ||
| P/OCF | 9.26 | ||
| P/B | 1.49 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.24
EY9.46%
EPS(NY)4.62
Fwd EY10.3%
FCF(TTM)3.96
FCFY8.83%
OCF(TTM)4.84
OCFY10.8%
SpS16.14
BVpS29.97
TBVpS26.26
PEG (NY)1.57
PEG (5Y)0.4
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
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-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
WACC12.58%
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)5.47%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%6.48%
EPS Next Y6.74%
EPS Next 2Y4.58%
EPS Next 3Y6.1%
EPS Next 5YN/A
Revenue 1Y (TTM)1.33%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%3.12%
Revenue Next Year4.69%
Revenue Next 2Y3.28%
Revenue Next 3Y2.99%
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%