Also trades as: OFG-PD (NYSE) · $vol 0M

$45.05

-0.15 (-0.33%)

Weekly Expected Move ±3.9%

$41 $42 $44 $46 $47

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 59 · $1.9B mcap · 42M float · 0.775% daily turnover · Short 55% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

60.9 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 26.0% · 5Y Avg: 68.4%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. OFG has a Narrow competitive edge (60.9/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Switching Costs. ROIC of 26.0% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$46

Avg Target

$46

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 8Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$46.00

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-26	Truist Financial	—	$48	$44	-4	+18.6%	$37.09
2026-01-15	Piper Sandler	—	$47	$45	-2	+9.1%	$41.26
2025-10-27	Wells Fargo	Timur Braziler	Initiated	$43	—	+8.5%	$39.63
2025-10-23	Truist Financial	Arren Cyganovich	Initiated	$48	—	+21.7%	$39.45
2025-10-09	UBS	—	Initiated	$50	—	+17.2%	$42.65
2024-10-17	Piper Sandler	Frank Schiraldi	$49	$47	-2	+13.7%	$41.35
2024-08-26	Piper Sandler	Frank Schiraldi	Initiated	$49	—	+9.0%	$44.95

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. OFG receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-06	A-	B+
2026-05-04	A	A-
2026-04-22	C-	A
2026-04-21	A-	C-
2026-04-16	A	A-
2026-04-01	A-	A
2026-02-06	B+	A-
2026-02-04	A-	B+
2026-01-30	A	A-
2026-01-26	B+	A

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 51 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. OFG scores highest in Value (87/100) and lowest in Balance Sheet (46/100). An overall grade of A places OFG among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.80

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-1.34

Possible Manipulator

Ohlson O-Score

-3.79

Bankruptcy prob: 2.2%

Low Risk

Credit Rating

AA-

Score: 81.1/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 0.97x

Accruals: 0.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. OFG scores 2.80, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. OFG scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. OFG's score of -1.34 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. OFG's implied 2.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. OFG receives an estimated rating of AA- (score: 81.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). OFG's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.03x

PEG

0.67x

P/S

2.16x

P/B

1.41x

P/FCF

9.18x

P/OCF

8.37x

EV/EBITDA

4.44x

EV/Revenue

1.45x

EV/EBIT

4.64x

EV/FCF

6.75x

Earnings Yield

12.28%

FCF Yield

10.90%

Shareholder Yield

9.70%

Graham Number

$60.15

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.0x earnings, OFG trades at a deep value multiple. An earnings yield of 12.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $60.15 per share, suggesting a potential 34% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.877

NI / EBT

Interest Burden

0.884

EBT / EBIT

EBIT Margin

0.312

EBIT / Rev

Asset Turnover

0.074

Rev / Assets

Equity Multiplier

9.063

Assets / Equity

ROE

16.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. OFG's ROE of 16.1% is driven by financial leverage (equity multiplier: 9.06x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

10.84%

Fair P/E

30.19x

Intrinsic Value

$150.02

Price/Value

0.27x

Margin of Safety

73.03%

Premium

-73.03%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with OFG's realized 10.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $150.02, OFG appears undervalued with a 73% margin of safety. The adjusted fair P/E of 30.2x compares to the current market P/E of 9.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$45.05

Median 1Y

$47.95

5th Pctile

$24.85

95th Pctile

$92.49

Ann. Volatility

39.2%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
José Enrique Fernández Chairman of the Board	$375,000	$—	$700,000
President, Treasurer ve Vice President, Treasurer and CFO	$275,000	$—	$677,100
Héctor Méndez Senior Executive Vice President, Treasurer and CFO	$275,000	$—	$675,000
Héctor Méndez President, cutive Vice President, Treasurer and CFO	$300,000	$—	$478,132
José Rafael Fernández President and CEO	$337,500	$—	$472,182
President and CEO	$293,500	$—	$420,600
José Rafael Fernández President and CEO	$293,500	$—	$418,500
Néstor Vale Senior Executive Vice President Banking Services	$259,000	$—	$359,000
Carlos J. Nieves, CPA Senior Executive Vice President and COO Financial Services	$266,875	$—	$341,875
Ganesh Kumar Executive Vice President Strategic Planning	$229,000	$—	$304,000

CEO Pay Ratio

6:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $472,182

Avg Employee Cost (SGA/emp): $83,546

Employees: 2,185

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

2,185

-2.7% YoY

Revenue / Employee

$394,790

Rev: $862,616,000

Profit / Employee

$93,869

NI: $205,104,000

SGA / Employee

$83,546

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	11.4%	12.8%	13.6%	14.2%	14.2%	14.2%	15.7%	16.6%	16.9%	17.2%	16.3%	16.6%	17.2%	17.4%	16.2%	15.9%	15.9%	16.3%	15.5%	16.1%	16.15%
ROA	1.3%	1.4%	1.5%	1.6%	1.6%	1.6%	1.7%	1.8%	1.8%	1.8%	1.7%	1.8%	1.8%	1.8%	1.7%	1.7%	1.7%	1.7%	1.7%	1.8%	1.78%
ROIC	-8.8%	-9.9%	-10.7%	-11.2%	-11.2%	-11.2%	-19.2%	-20.2%	-20.6%	-21.0%	-12.7%	-13.0%	-13.5%	-13.6%	-15.8%	-15.5%	-15.5%	-15.9%	25.1%	26.0%	25.96%
ROCE	13.4%	15.6%	17.9%	18.7%	18.6%	18.7%	21.7%	22.7%	23.3%	23.6%	16.8%	16.9%	17.3%	17.0%	13.9%	13.5%	13.2%	13.2%	14.2%	14.7%	14.73%
Gross Margin	97.8%	96.7%	88.9%	93.0%	90.6%	90.0%	88.6%	86.4%	81.0%	78.1%	74.2%	73.0%	72.9%	69.5%	66.1%	68.2%	69.5%	66.0%	80.6%	72.3%	72.26%
Operating Margin	44.7%	46.0%	34.7%	40.7%	40.5%	40.8%	40.5%	39.4%	37.4%	35.8%	33.7%	33.7%	34.5%	30.2%	25.1%	28.7%	31.3%	28.3%	34.7%	30.4%	30.39%
Net Margin	30.4%	31.3%	23.7%	28.2%	27.6%	27.4%	27.6%	28.0%	25.1%	24.4%	23.0%	24.7%	24.8%	22.9%	24.0%	22.0%	24.6%	23.9%	24.4%	23.8%	23.82%
EBITDA Margin	49.2%	50.5%	39.1%	45.1%	44.4%	44.3%	44.9%	43.5%	41.4%	39.5%	37.1%	37.1%	37.8%	33.5%	28.1%	31.8%	34.3%	31.3%	34.7%	30.4%	30.39%
FCF Margin	0.5%	-0.4%	14.3%	13.7%	16.4%	15.7%	22.2%	24.1%	23.1%	31.6%	38.2%	37.1%	41.7%	34.5%	25.6%	28.3%	21.2%	21.0%	23.1%	21.5%	21.47%
OCF Margin	3.8%	2.9%	18.6%	19.0%	21.9%	21.6%	27.4%	28.0%	26.3%	34.2%	40.6%	39.8%	44.3%	39.4%	30.7%	33.1%	25.9%	23.3%	25.2%	23.6%	23.55%
ROE 3Y Avg	snapshot only																				15.45%
ROE 5Y Avg	snapshot only																				15.50%
ROA 3Y Avg	snapshot only																				1.68%
ROIC 3Y Avg	snapshot only																				36.37%
ROIC Economic	snapshot only																				12.36%
Cash ROA	snapshot only																				1.67%
Cash ROIC	snapshot only																				22.34%
CROIC	snapshot only																				20.36%
NOPAT Margin	snapshot only																				27.37%
Pretax Margin	snapshot only																				27.60%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				28.39%
SBC / Revenue	snapshot only																				0.68%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	8.48	8.57	8.24	7.80	7.33	7.26	7.36	6.38	6.53	7.53	9.32	9.04	8.88	10.57	9.67	9.26	9.83	9.73	9.46	8.14	9.029
P/S Ratio	1.94	2.18	2.23	2.21	2.03	1.94	2.04	1.76	1.76	1.97	2.33	2.19	2.15	2.52	2.33	2.17	2.30	2.30	2.25	1.97	2.158
P/B Ratio	0.95	1.07	1.13	1.12	1.05	1.04	1.17	1.07	1.12	1.31	1.42	1.40	1.43	1.72	1.53	1.43	1.53	1.55	1.40	1.25	1.410
P/FCF	373.79	-546.03	15.64	16.09	12.38	12.40	9.17	7.33	7.63	6.23	6.10	5.91	5.16	7.31	9.09	7.65	10.87	10.97	9.74	9.18	9.177
P/OCF	50.90	73.98	12.04	11.62	9.24	9.01	7.44	6.29	6.70	5.77	5.73	5.50	4.85	6.39	7.59	6.54	8.89	9.87	8.92	8.37	8.365
EV/EBITDA	-7.45	-5.91	-5.18	-5.02	-5.34	-5.36	-2.55	-2.83	-2.58	-1.85	-3.17	-3.21	-3.04	-1.91	-2.11	-2.62	-2.23	-2.13	5.19	4.44	4.435
EV/Revenue	-2.68	-2.43	-2.29	-2.30	-2.39	-2.32	-1.14	-1.25	-1.12	-0.78	-1.27	-1.24	-1.15	-0.70	-0.72	-0.86	-0.71	-0.67	1.72	1.45	1.449
EV/EBIT	-8.50	-6.63	-5.75	-5.55	-5.91	-5.91	-2.81	-3.10	-2.84	-2.04	-3.49	-3.53	-3.35	-2.11	-2.33	-2.90	-2.47	-2.36	5.57	4.64	4.642
EV/FCF	-517.33	608.33	-16.04	-16.75	-14.57	-14.78	-5.13	-5.20	-4.86	-2.47	-3.34	-3.34	-2.76	-2.02	-2.80	-3.03	-3.36	-3.19	7.43	6.75	6.749
Earnings Yield	11.8%	11.7%	12.1%	12.8%	13.6%	13.8%	13.6%	15.7%	15.3%	13.3%	10.7%	11.1%	11.3%	9.5%	10.3%	10.8%	10.2%	10.3%	10.6%	12.3%	12.28%
FCF Yield	0.3%	-0.2%	6.4%	6.2%	8.1%	8.1%	10.9%	13.6%	13.1%	16.0%	16.4%	16.9%	19.4%	13.7%	11.0%	13.1%	9.2%	9.1%	10.3%	10.9%	10.90%
PEG Ratio	snapshot only																				0.667
Price/Tangible Book	snapshot only																				1.341
EV/OCF	snapshot only																				6.152
EV/Gross Profit	snapshot only																				2.006
Acquirers Multiple	snapshot only																				4.642
Shareholder Yield	snapshot only																				9.70%
Graham Number	snapshot only																				$60.15

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.32	0.32	0.30	0.30	0.30	0.30	0.24	0.24	0.24	0.24	0.31	0.31	0.31	0.31	0.32	0.32	0.32	0.32	0.12	0.12	0.115
Quick Ratio	0.32	0.32	0.30	0.30	0.30	0.30	0.24	0.24	0.24	0.24	0.31	0.31	0.31	0.31	0.32	0.32	0.32	0.32	0.12	0.12	0.115
Debt/Equity	0.12	0.12	0.09	0.09	0.09	0.09	0.05	0.05	0.05	0.05	0.19	0.19	0.19	0.19	0.34	0.34	0.34	0.34	0.42	0.42	0.418
Net Debt/Equity	-2.27	-2.27	-2.28	-2.28	-2.28	-2.28	-1.83	-1.83	-1.83	-1.83	-2.20	-2.20	-2.20	-2.20	-2.00	-2.00	-2.00	-2.00	-0.33	-0.33	-0.331
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.05	0.05	0.047
Debt/EBITDA	0.70	0.61	0.40	0.38	0.38	0.38	0.20	0.19	0.19	0.19	0.77	0.76	0.75	0.76	1.51	1.56	1.59	1.59	2.04	2.01	2.014
Net Debt/EBITDA	-12.83	-11.22	-10.23	-9.83	-9.87	-9.85	-7.11	-6.81	-6.62	-6.52	-8.96	-8.88	-8.72	-8.84	-8.94	-9.23	-9.43	-9.46	-1.61	-1.60	-1.596
Interest Coverage	3.14	4.11	5.13	6.09	6.82	7.14	7.29	6.57	5.23	4.03	3.02	2.35	2.01	1.75	1.57	1.51	1.46	1.42	1.54	1.60	1.595
Equity Multiplier	9.05	9.05	9.26	9.26	9.26	9.26	9.42	9.42	9.42	9.42	9.51	9.51	9.51	9.51	9.17	9.17	9.17	9.17	8.97	8.97	8.968
Cash Ratio	snapshot only																				0.098
Debt Service Coverage	snapshot only																				1.669
Cash to Debt	snapshot only																				1.792
FCF to Debt	snapshot only																				0.326
Defensive Interval	snapshot only																				1213.0 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.06	0.06	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.074
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	10.39	10.42	8.83	8.85	9.05	9.38	10.10	10.64	11.14	11.66	10.88	11.42	11.88	12.19	11.50	11.58	11.63	11.80	7.38	7.55	7.552
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	35	35	41	41	40	39	36	34	33	31	34	32	31	30	32	32	31	31	49	48	48.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	35	35	41	41	40	39	36	34	33	31	34	32	31	30	32	32	31	31	49	48	—
Fixed Asset Turnover	snapshot only																				9.430
Cash Velocity	snapshot only																				0.848
Capital Intensity	snapshot only																				14.130

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	9.5%	4.3%	-1.6%	1.0%	3.6%	7.1%	11.4%	17.1%	19.9%	21.1%	21.2%	20.7%	20.0%	17.6%	13.0%	8.4%	4.7%	3.5%	4.8%	6.5%	6.50%
Net Income	3.1%	1.7%	96.6%	49.0%	25.4%	12.5%	13.7%	14.1%	16.9%	18.6%	9.4%	5.9%	7.6%	7.0%	9.0%	4.7%	1.3%	2.6%	3.5%	10.0%	10.01%
EPS	3.0%	1.7%	1.0%	55.8%	35.6%	20.2%	19.3%	17.8%	19.1%	18.4%	10.7%	7.3%	8.4%	9.9%	11.6%	8.9%	6.0%	8.0%	1.1%	16.5%	16.55%
FCF	-96.7%	-1.0%	2.8%	4.1%	31.7%	43.0%	73.3%	1.1%	68.9%	1.4%	1.1%	86.0%	1.2%	28.2%	-24.1%	-17.2%	-46.8%	-37.0%	-5.4%	-19.3%	-19.31%
EBITDA	2.6%	1.7%	1.0%	54.1%	28.5%	12.7%	12.5%	13.0%	16.6%	18.3%	9.1%	5.4%	4.3%	1.3%	-4.2%	-8.1%	-11.6%	-10.7%	1.7%	6.1%	6.10%
Op. Income	3.6%	2.2%	1.3%	63.1%	32.6%	14.6%	13.7%	13.9%	17.1%	18.0%	8.7%	5.1%	4.6%	1.7%	-4.3%	-8.5%	-12.3%	-11.1%	4.8%	12.3%	12.26%
OCF Growth	snapshot only																				-24.33%
Asset Growth	snapshot only																				8.39%
Equity Growth	snapshot only																				10.81%
Debt Growth	snapshot only																				37.37%
Shares Change	snapshot only																				-5.61%
Dividend Growth	snapshot only																				14.49%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	11.8%	11.6%	10.4%	9.5%	9.4%	10.3%	12.8%	11.3%	10.8%	10.6%	9.9%	12.6%	14.2%	15.1%	15.1%	15.3%	14.6%	13.8%	12.8%	11.7%	11.70%
Revenue 5Y	4.3%	6.4%	6.6%	7.3%	7.2%	7.8%	9.1%	10.5%	11.6%	12.5%	12.7%	13.2%	13.5%	13.8%	14.5%	12.5%	11.3%	10.5%	9.5%	10.5%	10.50%
EPS 3Y	28.0%	21.0%	21.1%	20.7%	19.7%	27.4%	49.4%	80.3%	86.2%	57.1%	38.6%	25.3%	20.5%	16.1%	13.8%	11.2%	11.0%	12.0%	7.7%	10.8%	10.84%
EPS 5Y	30.0%	25.9%	20.2%	21.4%	20.7%	26.0%	27.5%	27.9%	27.6%	20.3%	18.6%	17.3%	17.2%	21.9%	32.7%	47.0%	49.3%	35.7%	24.6%	20.1%	20.11%
Net Income 3Y	28.9%	21.1%	20.1%	19.0%	17.1%	24.4%	45.6%	75.9%	81.3%	53.7%	34.8%	21.7%	16.4%	12.6%	10.7%	8.2%	8.4%	9.2%	7.3%	6.9%	6.86%
Net Income 5Y	30.6%	26.1%	19.8%	20.6%	19.4%	24.5%	25.9%	26.3%	25.7%	18.8%	16.6%	15.3%	15.1%	19.6%	29.8%	43.2%	45.4%	31.9%	22.5%	15.7%	15.71%
EBITDA 3Y	30.0%	22.8%	18.6%	17.5%	16.0%	23.6%	46.8%	71.7%	75.9%	52.9%	35.2%	22.4%	16.1%	10.5%	5.5%	3.1%	2.5%	2.3%	2.0%	0.9%	0.93%
EBITDA 5Y	39.6%	34.7%	19.9%	19.8%	19.6%	23.5%	27.8%	28.7%	26.9%	19.8%	15.4%	14.1%	13.7%	17.7%	27.0%	37.4%	38.1%	26.5%	19.2%	12.4%	12.35%
Gross Profit 3Y	23.0%	20.5%	18.3%	17.9%	17.3%	21.5%	26.1%	27.5%	24.6%	18.3%	14.1%	11.2%	9.2%	7.1%	5.2%	4.1%	3.7%	3.1%	4.2%	4.3%	4.26%
Gross Profit 5Y	14.1%	16.2%	13.1%	14.5%	14.3%	16.0%	18.4%	19.1%	18.6%	16.1%	14.1%	13.4%	13.4%	15.3%	16.4%	16.1%	14.0%	10.3%	9.5%	8.5%	8.46%
Op. Income 3Y	29.9%	21.9%	17.3%	16.2%	14.6%	22.7%	48.0%	82.0%	92.9%	62.4%	40.9%	25.0%	17.5%	11.2%	5.7%	3.1%	2.4%	2.2%	2.9%	2.6%	2.57%
Op. Income 5Y	47.3%	38.9%	20.3%	20.1%	19.8%	24.3%	29.1%	30.0%	27.8%	19.6%	14.8%	13.4%	13.0%	17.2%	27.5%	42.1%	45.8%	31.1%	22.9%	14.9%	14.92%
FCF 3Y	-75.5%	—	-14.2%	-11.3%	-4.8%	0.6%	11.4%	17.7%	22.7%	28.6%	—	—	3.9%	—	39.9%	46.7%	24.9%	25.4%	14.3%	7.5%	7.51%
FCF 5Y	-48.4%	—	1.0%	-0.2%	14.0%	-7.4%	-1.6%	-0.4%	-4.0%	15.1%	17.9%	21.6%	25.8%	26.1%	16.9%	20.2%	16.3%	11.4%	—	—	—
OCF 3Y	-52.9%	-49.0%	-9.1%	-4.6%	0.6%	7.0%	14.5%	18.0%	21.6%	26.0%	—	—	1.6%	1.7%	36.2%	38.7%	21.1%	16.8%	9.8%	5.4%	5.40%
OCF 5Y	-24.3%	-27.2%	5.0%	5.1%	18.1%	-2.2%	1.7%	1.9%	-2.2%	14.8%	17.3%	20.7%	24.2%	26.1%	18.2%	20.5%	17.3%	10.7%	—	—	—
Assets 3Y	16.7%	16.7%	14.6%	14.6%	14.6%	14.6%	1.8%	1.8%	1.8%	1.8%	4.9%	4.9%	4.9%	4.9%	5.1%	5.1%	5.1%	5.1%	8.3%	8.3%	8.28%
Assets 5Y	6.7%	6.7%	8.8%	8.8%	8.8%	8.8%	9.7%	9.7%	9.7%	9.7%	11.5%	11.5%	11.5%	11.5%	4.3%	4.3%	4.3%	4.3%	4.9%	4.9%	4.87%
Equity 3Y	4.7%	4.7%	2.3%	2.3%	2.3%	2.3%	-0.1%	-0.1%	-0.1%	-0.1%	3.2%	3.2%	3.2%	3.2%	5.5%	5.5%	5.5%	5.5%	10.1%	10.1%	10.07%
Book Value 3Y	4.0%	4.7%	3.1%	3.7%	4.5%	4.7%	2.5%	2.5%	2.6%	2.1%	6.1%	6.3%	6.9%	6.4%	8.5%	8.5%	8.0%	8.2%	10.5%	14.2%	14.17%
Dividend 3Y	-2.6%	0.3%	1.0%	2.3%	9.4%	9.2%	15.7%	18.9%	17.5%	18.7%	14.0%	10.7%	9.2%	6.9%	6.6%	6.7%	6.4%	6.7%	4.8%	8.5%	8.51%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.51	0.78	0.74	0.92	0.95	0.94	0.88	0.96	0.96	0.95	0.92	0.92	0.92	0.94	0.97	0.95	0.94	0.93	0.94	0.97	0.974
Earnings Stability	0.33	0.52	0.50	0.47	0.46	0.65	0.73	0.70	0.68	0.74	0.80	0.75	0.73	0.85	0.92	0.86	0.82	0.83	0.85	0.89	0.894
Margin Stability	0.82	0.84	0.86	0.83	0.83	0.82	0.80	0.79	0.82	0.87	0.89	0.90	0.91	0.87	0.85	0.82	0.83	0.87	0.89	0.90	0.902
Rev. Growth Consistency	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	0	0	0	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.80	0.90	0.95	0.95	0.94	0.93	0.93	0.96	0.98	0.97	0.97	0.96	0.98	0.99	0.99	0.99	0.96	0.960
Earnings Smoothness	0.00	0.07	0.35	0.61	0.77	0.88	0.87	0.87	0.84	0.83	0.91	0.94	0.93	0.93	0.91	0.95	0.99	0.97	0.97	0.90	0.905
ROE Trend	0.05	0.06	0.08	0.08	0.07	0.06	0.06	0.05	0.04	0.04	0.00	-0.00	0.00	0.00	0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.001
Gross Margin Trend	0.17	0.22	0.24	0.25	0.19	0.12	0.09	0.02	-0.02	-0.07	-0.12	-0.15	-0.15	-0.15	-0.15	-0.13	-0.12	-0.10	-0.04	-0.01	-0.005
FCF Margin Trend	-0.20	-0.21	0.07	0.06	0.08	0.06	0.19	0.19	0.15	0.24	0.20	0.18	0.22	0.11	-0.05	-0.02	-0.11	-0.12	-0.09	-0.11	-0.113
Sustainable Growth Rate	9.6%	10.8%	11.6%	12.2%	11.9%	11.8%	12.9%	13.4%	13.4%	13.4%	12.6%	12.8%	13.3%	13.4%	12.5%	12.0%	12.0%	12.2%	11.6%	12.1%	12.10%
Internal Growth Rate	1.1%	1.2%	1.3%	1.4%	1.3%	1.3%	1.4%	1.5%	1.5%	1.5%	1.3%	1.4%	1.4%	1.4%	1.4%	1.3%	1.3%	1.3%	1.3%	1.4%	1.35%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.17	0.12	0.68	0.67	0.79	0.81	0.99	1.01	0.97	1.31	1.63	1.64	1.83	1.65	1.27	1.41	1.11	0.99	1.06	0.97	0.973
FCF/OCF	0.14	-0.14	0.77	0.72	0.75	0.73	0.81	0.86	0.88	0.92	0.94	0.93	0.94	0.87	0.83	0.85	0.82	0.90	0.92	0.91	0.911
FCF/Net Income	snapshot only																				0.887
OCF/EBITDA	snapshot only																				0.721
CapEx/Revenue	3.3%	3.3%	4.3%	5.3%	5.6%	5.9%	5.2%	4.0%	3.2%	2.6%	2.5%	2.7%	2.7%	5.0%	5.1%	4.8%	4.7%	2.3%	2.1%	2.1%	2.08%
CapEx/Depreciation	snapshot only																				1.434
Accruals Ratio	0.01	0.01	0.00	0.01	0.00	0.00	0.00	-0.00	0.00	-0.01	-0.01	-0.01	-0.02	-0.01	-0.00	-0.01	-0.00	0.00	-0.00	0.00	0.000
Sloan Accruals	snapshot only																				-0.232
Cash Flow Adequacy	snapshot only																				2.891
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.9%	1.8%	1.7%	1.8%	2.2%	2.3%	2.5%	3.0%	3.2%	2.9%	2.4%	2.5%	2.5%	2.2%	2.4%	2.6%	2.5%	2.6%	2.7%	3.1%	2.77%
Dividend/Share	$0.38	$0.41	$0.42	$0.44	$0.51	$0.53	$0.63	$0.70	$0.78	$0.83	$0.87	$0.88	$0.92	$0.95	$0.99	$1.03	$1.07	$1.12	$1.10	$1.25	$1.25
Payout Ratio	16.5%	15.5%	14.4%	14.1%	16.1%	16.7%	18.1%	19.2%	20.6%	22.0%	22.5%	22.6%	22.5%	22.9%	23.0%	24.1%	24.8%	25.1%	25.3%	25.1%	25.05%
FCF Payout Ratio	7.3%	—	27.2%	29.1%	27.2%	28.5%	22.5%	22.1%	24.1%	18.3%	14.8%	14.8%	13.0%	15.9%	21.7%	19.9%	27.5%	28.3%	26.0%	28.2%	28.24%
Total Payout Ratio	16.5%	45.0%	48.5%	68.5%	90.7%	64.9%	56.7%	38.4%	29.8%	32.3%	32.8%	31.0%	36.2%	35.5%	59.6%	73.5%	65.6%	75.0%	69.9%	78.9%	78.95%
Div. Increase Streak	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	-0.04	0.03	0.02	0.05	0.25	0.24	0.46	0.59	0.53	0.59	0.39	0.27	0.20	0.13	0.14	0.14	0.14	0.15	0.16	0.18	0.176
Buyback Yield	0.0%	3.4%	4.1%	7.0%	10.2%	6.6%	5.2%	3.0%	1.4%	1.4%	1.1%	0.9%	1.5%	1.2%	3.8%	5.3%	4.1%	5.1%	4.7%	6.6%	6.62%
Net Buyback Yield	0.0%	3.4%	4.1%	7.0%	10.2%	6.6%	5.2%	3.0%	1.4%	1.4%	1.1%	0.9%	1.5%	1.2%	3.8%	5.3%	4.1%	5.1%	4.7%	6.6%	6.62%
Total Shareholder Return	1.9%	5.3%	5.9%	8.8%	12.4%	8.9%	7.7%	6.0%	4.6%	4.3%	3.5%	3.4%	4.1%	3.4%	6.2%	7.9%	6.7%	7.7%	7.4%	9.7%	9.70%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.72	0.69	0.68	0.68	0.68	0.68	0.68	0.69	0.68	0.69	0.69	0.69	0.70	0.72	0.78	0.79	0.81	0.83	0.88	0.88	0.877
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.88	0.88	0.884
EBIT Margin	0.32	0.37	0.40	0.41	0.40	0.39	0.41	0.40	0.40	0.38	0.36	0.35	0.34	0.33	0.31	0.30	0.29	0.28	0.31	0.31	0.312
Asset Turnover	0.06	0.06	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.074
Equity Multiplier	8.97	8.97	9.15	9.15	9.15	9.15	9.34	9.34	9.34	9.34	9.47	9.47	9.47	9.47	9.33	9.33	9.33	9.33	9.06	9.06	9.063

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.33	$2.64	$2.91	$3.10	$3.16	$3.18	$3.47	$3.65	$3.76	$3.76	$3.84	$3.91	$4.08	$4.14	$4.28	$4.26	$4.32	$4.47	$4.33	$4.97	$4.97
Book Value/Share	$20.75	$21.08	$21.26	$21.61	$22.10	$22.19	$21.73	$21.74	$21.95	$21.60	$25.19	$25.21	$25.32	$25.39	$27.12	$27.56	$27.85	$28.09	$29.35	$32.36	$31.95
Tangible Book/Share	$17.32	$17.60	$17.85	$18.15	$18.56	$18.64	$18.34	$18.35	$18.52	$18.23	$21.93	$21.95	$22.05	$22.11	$23.46	$23.84	$24.09	$24.29	$27.36	$30.17	$30.17
Revenue/Share	$10.19	$10.38	$10.72	$10.93	$11.42	$11.89	$12.52	$13.20	$13.95	$14.37	$15.37	$16.14	$16.86	$17.35	$17.79	$18.20	$18.48	$18.90	$18.21	$20.54	$20.62
FCF/Share	$0.05	$-0.04	$1.53	$1.50	$1.87	$1.86	$2.78	$3.18	$3.22	$4.54	$5.86	$5.99	$7.03	$5.98	$4.56	$5.16	$3.91	$3.96	$4.21	$4.41	$4.43
OCF/Share	$0.39	$0.31	$1.99	$2.08	$2.51	$2.56	$3.43	$3.70	$3.67	$4.91	$6.24	$6.43	$7.48	$6.85	$5.46	$6.03	$4.78	$4.41	$4.60	$4.84	$4.86
Cash/Share	$49.69	$50.48	$50.38	$51.21	$52.37	$52.60	$40.93	$40.95	$41.34	$40.68	$60.09	$60.14	$60.42	$60.58	$63.34	$64.37	$65.05	$65.60	$21.96	$24.22	$14.89
EBITDA/Share	$3.67	$4.27	$4.74	$5.01	$5.10	$5.14	$5.59	$5.85	$6.07	$6.07	$6.18	$6.24	$6.38	$6.31	$6.06	$5.97	$5.90	$5.93	$6.02	$6.71	$6.71
Debt/Share	$2.58	$2.62	$1.89	$1.92	$1.96	$1.97	$1.13	$1.13	$1.15	$1.13	$4.74	$4.75	$4.77	$4.78	$9.14	$9.29	$9.38	$9.46	$12.25	$13.51	$13.51
Net Debt/Share	$-47.11	$-47.86	$-48.49	$-49.29	$-50.41	$-50.62	$-39.79	$-39.81	$-40.19	$-39.56	$-55.35	$-55.40	$-55.65	$-55.80	$-54.20	$-55.08	$-55.67	$-56.13	$-9.71	$-10.71	$-10.71

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.804
Altman Z-Prime	snapshot only																				-4.383
Piotroski F-Score	7	8	6	7	6	6	5	6	5	5	8	7	7	7	8	8	8	7	6	7	7
Beneish M-Score	-1.86	-1.86	-2.64	-2.63	-2.52	-2.50	-2.33	-2.28	-2.27	-2.27	-2.25	-2.25	-2.32	-2.31	-2.43	-2.47	-2.46	-2.44	-1.56	-1.34	-1.340
Ohlson O-Score	snapshot only																				-3.792
Net-Net WC	snapshot only																				$-229.37
EVA	snapshot only																				$148418444.39

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	63.85	63.17	87.34	88.90	88.94	89.13	91.54	91.52	91.21	91.37	91.39	91.32	91.08	93.89	90.44	94.14	90.40	90.22	81.83	81.07	81.069
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				-13.069
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				82
Sector Credit Rank	snapshot only																				73

OFG NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet