OFG Bancorp cash flow to debt ratio of 37.51% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

OFG Bancorp's free cash flow has decreased 5.43% from $210.79M last year to $199.34M, signaling decreasing performance

OFG Bancorp's debt to equity ratio is 0.41, which means that the company's assets are healthy financed, signaling financial stability.

OFG Bancorp's debt has increased relative to shareholder equity from 0.34 last year to 0.41 today, signaling weakened financials

OFG Bancorp has a net cash position, so leverage is healthy.

OFG Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

OFG Bancorp's profit margin has increased (1.41%) in the last year from 24.09% to 24.43%, signaling increasing performance

OFG Bancorp's short-term liabilities of $10.60B exceed its short-term assets of $1.22B, signaling financial risk

OFG Bancorp's return on assets of 1.81% is lower than the 5.00% threshold, indicating inefficient asset utilization

OFG Bancorp's return on equity of 15.92%, is higher than 15.00%, indicating good performance

OFG Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

OFG Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

OFG Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

OFG Bancorp has a free cash flow yield of 9.05%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

OFG Bancorp's yearly earnings has increased 3.50% since last year from $198.17M to $205.10M, signaling increasing performance

OFG Bancorp's yearly revenue has increased 4.84% since last year from $822.77M to $862.62M, signaling increasing performance

ROIC 11.44% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

OFG Bancorp's 3-year revenue CAGR of 12.96% is positive, indicating growing revenue over the past 3 years

OFG Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

OFG Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

OFG Bancorp is undervalued relative to its fair value price of 92.85 based on Discounted Cash Flow model

OFG Bancorp has an earnings yield of 10.01%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

OFG Bancorp is undervalued relative to its fair value price of 57.04 based on EBITDA multiple model

OFG Bancorp has an EV/EBITDA ratio of 6.11x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

OFG Bancorp is undervalued relative to its fair value price of 111.44 based on Earnings Fair Value model

OFG Bancorp has a PEG-ratio under 1 which is considered undervalued

OFG Bancorp has a price-to-book ratio of 1.56x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

OFG Bancorp has a price-to-sales ratio of 2.44x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue