OFG (OFG)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$2.07B
EV / Sales2.29
EV / EBITDA6.83
EV / Operating Cash Flow9.95
EV / Free Cash Flow10.91

Return Metrics (TTM)

Return on Equity (ROE)15.92%
Return on Assets (ROA)1.81%
Return on Invested Capital (ROIC)11.44%
Return on Capital Employed (ROCE)17.58%

Yield Metrics

Earnings Yield9.87%
Free Cash Flow Yield8.48%

Balance Sheet Strength

Net Debt / EBITDA-0.55
Current Ratio0.35
Working Capital-$6.90B
Tangible Asset Value$1.32B
Net Current Asset Value-$7.10B

Working Capital Efficiency

Days Sales Outstanding70.80
Days Payables Outstanding0.00
Operating Cycle (Days)70.80
Cash Conversion Cycle70.80

Capital Allocation

CapEx / Revenue2.04%
CapEx / Operating Cash Flow8.85%
R&D / Revenue0.00%
SG&A / Revenue28.89%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin71.24%
Operating Margin30.84%
Net Profit Margin23.78%

Solvency

Debt / Equity0.42
Quick Ratio0.12
Cash Ratio0.10

Per Share

Revenue / Share$18.52
FCF / Share$4.28
PE Ratio9.05