OFG Bancorp

DB:OFP Stock Report

Market Cap: €1.9b

OFG Bancorp Past Earnings Performance

Past criteria checks 3/6

OFG Bancorp has been growing earnings at an average annual rate of 27.6%, while the Banks industry saw earnings growing at 17.3% annually. Revenues have been growing at an average rate of 14.3% per year. OFG Bancorp's return on equity is 14.7%, and it has net margins of 30.4%.

Key information

27.6%

Earnings growth rate

29.5%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate14.3%
Return on equity14.7%
Net Margin30.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How OFG Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:OFP Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246391942790
30 Jun 246421922780
31 Mar 246331852770
31 Dec 236291822760
30 Sep 236261822740
30 Jun 236201792690
31 Mar 236101752650
31 Dec 225901662580
30 Sep 225661532500
30 Jun 225571532450
31 Mar 225551532420
31 Dec 215421452390
30 Sep 215241332340
30 Jun 214981172320
31 Mar 21466972280
31 Dec 20433682330
30 Sep 20389442170
30 Jun 20335231970
31 Mar 20310261760
31 Dec 19308471490
30 Sep 19323731450
30 Jun 19350871430
31 Mar 19345811420
31 Dec 18340721420
30 Sep 18317631430
30 Jun 18312431440
31 Mar 18305411450
31 Dec 17302391450
30 Sep 17309371440
30 Jun 17301491420
31 Mar 17301461390
31 Dec 16313451390
30 Sep 16272291400
30 Jun 16273181430
31 Mar 1626111470
31 Dec 15228-161470
30 Sep 1528051510
30 Jun 15293201500
31 Mar 15323451500
31 Dec 14365711560
30 Sep 14371711560
30 Jun 14373711620
31 Mar 14356871680
31 Dec 13353851730

Quality Earnings: OFP has high quality earnings.

Growing Profit Margin: OFP's current net profit margins (30.4%) are higher than last year (29%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: OFP's earnings have grown significantly by 27.6% per year over the past 5 years.

Accelerating Growth: OFP's earnings growth over the past year (7%) is below its 5-year average (27.6% per year).

Earnings vs Industry: OFP earnings growth over the past year (7%) did not outperform the Banks industry 13.3%.

Return on Equity

High ROE: OFP's Return on Equity (14.7%) is considered low.

Return on Assets

Return on Capital Employed

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