OFG Bancorp (OFG) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

OFG Bancorp (OFG) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

OFG

Market Closed

OFG Bancorp

NYSEFinancial Services Banks - Regional

2.22K employees

CEO: José Rafael Fernández

Founded: 1987

$47.62

+$0.00(+NaN%)

Market Cap

2.01B

Beta

0.73

52W Range

N/A

Dividend Yield

2.62%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

71.2%

6.2%

CAGR: 5.4%

Profit after direct costs

Operating Margin

30.8%

4.8%

CAGR: 5.5%

Core business profitability

Net Margin

23.8%

3.5%

CAGR: 8.8%

Bottom line profitability

Revenue Growth

4.8%

YoY

CAGR: 12.5%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how OFG allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

71.2%

$614.52M

Operating Margin

30.8%

$266.01M

Net Margin

23.8%

$205.10M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	539.08M	598.51M	728.15M	822.77M	862.62M	4.8%
Cost of Revenue	(42.05M)	(57.61M)	(148.65M)	(244.09M)	(248.09M)	1.6%
Gross Profit	497.03M	540.89M	579.50M	578.69M	614.52M	6.2%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(151.67M)	(161.07M)	(176.41M)	(180.68M)	(182.55M)	1.0%
General & Administrative	(144.67M)	(152.83M)	(167.67M)	(170.96M)	(174.51M)	2.1%
Selling & Marketing	(7.00M)	(8.24M)	(8.74M)	(9.71M)	(8.04M)	-17.3%
Depreciation & Amortization	(23.93M)	(24.31M)	(27.29M)	(26.79M)	(19.14M)	-28.5%
Operating Income (EBIT)	214.60M	244.10M	265.25M	253.75M	266.01M	4.8%
Non-Operating Items
Interest Income	449.20M	515.57M	648.88M	750.28M	780.94M	4.1%
Interest Expense	(41.83M)	(33.49M)	(88.01M)	(161.84M)	(172.47M)	6.6%
Other Income/Expenses (Net)	—	—	—	—	-31.89M	—
Income Before Tax	214.60M	244.10M	265.25M	253.75M	234.12M	-7.7%
Income Tax Expense	(68.45M)	(77.87M)	(83.38M)	(55.58M)	(29.01M)	-47.8%
Net Income	146.15M	166.24M	181.87M	198.17M	205.10M	3.5%
Per Share Metrics
Earnings Per Share (Basic)	$3	$3	$4	$4	$5	6.6%
Weighted Avg Shares Outstanding	50.96M	48.03M	47.26M	46.64M	46.58M	-0.1%
Weighted Avg Shares Outstanding (Diluted)	51.37M	48.44M	47.55M	46.90M	47.37M	1.0%
EBITDA	238.53M	268.53M	291.82M	280.54M	285.15M	1.6%

Explore OFG

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

OFG in the Financial Services

Mid Cap

Financial Services

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Banks - Regional

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