First BanCorp. cash flow to debt ratio of 122.15% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

First BanCorp.'s free cash flow has increased 10.12% from $394.14M last year to $434.03M, signaling increasing performance

First BanCorp.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability.

First BanCorp.'s debt has decreased relative to shareholder equity from 0.34 last year to 0.10 today, signaling strengthened financials

First BanCorp. has a net cash position, so leverage is healthy.

First BanCorp. earns at least as much interest as it pays. Interest obligations are fully covered.

First BanCorp.'s profit margin has increased (17.35%) in the last year from 25.04% to 29.39%, signaling increasing performance

First BanCorp.'s short-term assets of $737.47M exceed its short-term liabilities of $107.61M

First BanCorp.'s return on assets of 1.94% is lower than the 5.00% threshold, indicating inefficient asset utilization

First BanCorp.'s return on equity of 19.03%, is higher than 15.00%, indicating good performance

First BanCorp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First BanCorp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First BanCorp. has positive free cash flow, indicating the company generates cash after capital expenditures

First BanCorp. has a free cash flow yield of 9.83%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First BanCorp.'s yearly earnings has increased 15.45% since last year from $298.72M to $344.87M, signaling increasing performance

First BanCorp.'s yearly revenue has increased 5.35% since last year from $1.19B to $1.26B, signaling increasing performance

ROIC 1.94% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First BanCorp.'s 3-year revenue CAGR of 9.62% is positive, indicating growing revenue over the past 3 years

First BanCorp. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First BanCorp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First BanCorp. is undervalued relative to its fair value price of 49.19 based on Discounted Cash Flow model

First BanCorp. has an earnings yield of 8.39%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First BanCorp. is overvalued relative to its fair value price of 20.51 based on EBITDA multiple model

First BanCorp. has an EV/EBITDA ratio of 9.43x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First BanCorp. is undervalued relative to its fair value price of 51.63 based on Earnings Fair Value model

First BanCorp. has a PEG-ratio under 1 which is considered undervalued

First BanCorp. has a price-to-book ratio of 2.25x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First BanCorp. has a price-to-sales ratio of 3.50x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue