OFG Bancorp (OFG) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), OFG Bancorp had a P/E ratio of 8.78 (down from 9.80), return on equity of 15.5% (down from 16.2%), debt-to-equity of 0.42 (up from 0.34) and return on assets of 1.7% (down from 1.7%). Its dividend yield was 3.00% with a payout ratio of 25.3%.

OFG Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.78	9.80	9.70	7.88	9.14	14.04
Forward P/E	9.11	10.90	10.20	7.75	9.44	9.48
P/S Ratio	2.89	3.09	2.81	2.22	2.44	2.20
P/B Ratio	1.30	1.55	1.48	1.26	1.24	0.88
Price/Tangible Book	1.39	1.68	1.62	1.41	1.40	1.10
Price/FCF	9.04	8.40	6.35	9.82	17.20	48.33
Price/OCF	8.27	7.69	5.96	7.97	13.23	27.23
PEG Ratio	1.16	1.21	1.12	0.82	1.05	1.06
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	15.51%	16.19%	16.27%	15.75%	13.56%	6.97%
Return on Assets (ROA)	1.71%	1.74%	1.72%	1.69%	1.48%	0.78%
Leverage & Solvency Ratios
Debt/Equity	0.42	0.34	0.19	0.05	0.09	0.13
Debt/FCF	2.91	1.83	0.81	0.41	1.25	6.94
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.39%	10.20%	10.31%	12.68%	11.04%	7.81%
FCF Yield	11.07%	11.90%	15.75%	10.18%	5.82%	2.07%
Dividend Yield	3.00%	2.49%	2.54%	2.83%	1.72%	1.72%
Payout Ratio	25.29%	23.03%	22.55%	18.10%	14.35%	28.11%
Buyback Yield	4.57%	1.37%	1.83%	5.71%	0.36%	0.32%
Total Return	7.56%	3.86%	4.36%	8.54%	2.08%	2.03%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About OFG Bancorp Financial Ratios

What is OFG Bancorp's P/E ratio?

OFG Bancorp's P/E ratio was 8.78 for fiscal 2025 (period ended Dec 31, 2025). It was 9.80 a year earlier.

What is OFG Bancorp's return on equity?

OFG Bancorp's return on equity (ROE) was 15.5% for fiscal 2025 (period ended Dec 31, 2025). It was 16.2% a year earlier.

What is OFG Bancorp's debt-to-equity ratio?

OFG Bancorp's debt-to-equity ratio was 0.42 for fiscal 2025 (period ended Dec 31, 2025). It was 0.34 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition