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

$50.96

-0.55 (-1.07%)

Weekly Expected Move ±3.4%

$48 $50 $51 $53 $55

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $2.2B mcap · 42M float · 0.757% daily turnover · Short 58% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$863M +4.8% ▲

5Y CAGR: +9.8%

Gross Profit

$615M +6.2% ▲

5Y CAGR: +9.9%

Operating Income

$266M +4.8% ▲

5Y CAGR: +22.9%

Net Income

$205M +3.5% ▲

5Y CAGR: +22.5%

EPS (Diluted)

$4.49 +6.1% ▲

5Y CAGR: +27.7%

EBITDA

$285M +1.6% ▲

5Y CAGR: +19.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$539M	$599M	$728M	$823M	$863M
YoY Growth	-0.4%	+11.0%	+21.7%	+13.0%	+4.8%
Cost of Revenue	$42M	$58M	$149M	$244M	$248M
Gross Profit	$497M	$541M	$580M	$579M	$615M
Gross Margin	92.2%	90.4%	79.6%	70.3%	71.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$152M	$161M	$176M	$181M	$183M
Operating Expenses	$282M	$297M	$314M	$325M	$349M
Operating Income	$215M	$244M	$265M	$254M	$266M
Operating Margin	39.8%	40.8%	36.4%	30.8%	30.8%
Interest Expense	$42M	$33M	$88M	$162M	$172M
Income Before Tax	$215M	$244M	$265M	$254M	$234M
Tax Expense	$68M	$78M	$83M	$56M	$29M
Net Income	$146M	$166M	$182M	$198M	$205M
Net Margin	27.1%	27.8%	25.0%	24.1%	23.8%
EPS (Diluted)	$2.81	$3.44	$3.82	$4.23	$4.49
EBITDA	$239M	$269M	$292M	$281M	$285M
Shares Outstanding	51M	48M	48M	47M	47M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$210M	$207M	$210M	$217M	$229M	$226M	$231M	$228M
Cost of Revenue	$71M	$66M	$64M	$74M	$44M	$63M	$53M	$60M
Gross Profit	$139M	$141M	$146M	$143M	$184M	$164M	$178M	$168M
Gross Margin	66.1%	68.2%	69.5%	66.0%	80.6%	72.3%	77.1%	73.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$48M	$45M	$45M	$46M	$105M	$55M	$55M	$55M
Operating Expenses	$86M	$82M	$80M	$82M	$105M	$95M	$103M	$96M
Operating Income	$53M	$59M	$66M	$61M	$79M	$69M	$74M	$72M
Operating Margin	25.1%	28.7%	31.3%	28.3%	34.7%	30.4%	32.3%	31.5%
Interest Expense	$41M	$40M	$42M	$45M	$44M	$40M	$40M	$42M
Income Before Tax	$53M	$59M	$66M	$61M	$47M	$69M	$74M	$72M
Tax Expense	$2M	$14M	$14M	$10M	-$8M	$15M	$16M	$15M
Net Income	$50M	$46M	$52M	$52M	$56M	$54M	$59M	$57M
Net Margin	24.0%	22.0%	24.6%	23.9%	24.4%	23.8%	25.5%	24.8%
EPS (Diluted)	$1.09	$1.00	$1.15	$1.16	$1.18	$1.26	$1.39	$1.33
EBITDA	$59M	$66M	$72M	$68M	$86M	$75M	$80M	$72M
Shares Outstanding	46M	46M	45M	45M	47M	43M	42M	42M

OFG NYSE