ScoreWhy is OFG Bancorp ?
1
High Profitability with a Net Interest Margin of 8.61%
2
The Bank has a high Capital Adequacy Ratio of 28.88% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 27.96%
4
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 1.19%
5
With ROA of 1.02%, it has a fair valuation with a 1.77 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -5.56%, its profits have risen by 4.7% ; the PEG ratio of the company is 1.6
6
Below par performance in long term as well as near term
- Along with generating -5.56% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to OFG Bancorp should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is OFG Bancorp for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
OFG Bancorp
-2.71%
0.59
27.31%
S&P 500
14.9%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.53%
EBIT Growth (5y)
9.82%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.20%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.50
EV to EBIT
7.36
EV to EBITDA
6.76
EV to Capital Employed
1.78
EV to Sales
2.03
PEG Ratio
1.26
Dividend Yield
2.72%
ROCE (Latest)
24.12%
ROE (Latest)
14.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 23.62%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(Q)
Highest at USD 55.89 MM
EPS(Q)
Highest at USD 1.27
-10What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 158.5 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at USD 47.42 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 24.04 %
PRE-TAX PROFIT(Q)
Lowest at USD 47.42 MM
Here's what is working for OFG Bancorp
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 23.62% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Profit
Highest at USD 55.89 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.27
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for OFG Bancorp
Non Performing Loans (%)
Highest at 1.58% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 158.5 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD 47.42 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 24.04 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 47.42 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 47.42 MM has Fallen at -20.8%
over average net sales of the previous four periods of USD 59.87 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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