OFG Net Income vs Invested Capital Analysis

OFG Stock

USD 33.44 0.07 0.21%

OFG Bancorp financial indicator trend analysis is much more than just breaking down OFG Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether OFG Bancorp is a good investment. Please check the relationship between OFG Bancorp Net Income and its Invested Capital accounts. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OFG Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.

Net Income vs Invested Capital

Net Income vs Invested Capital Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of OFG Bancorp Net Income account and Invested Capital. At this time, the significance of the direction appears to have strong contrarian relationship.

The correlation between OFG Bancorp's Net Income and Invested Capital is -0.6. Overlapping area represents the amount of variation of Net Income that can explain the historical movement of Invested Capital in the same time period over historical financial statements of OFG Bancorp, assuming nothing else is changed. The correlation between historical values of OFG Bancorp's Net Income and Invested Capital is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Income of OFG Bancorp are associated (or correlated) with its Invested Capital. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Invested Capital has no effect on the direction of Net Income i.e., OFG Bancorp's Net Income and Invested Capital go up and down completely randomly.

Correlation Coefficient

-0.6

Relationship Direction	Negative
Relationship Strength	Weak

View All Relationships

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in OFG Bancorp financial statement analysis. It represents the amount of money remaining after all of OFG Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Invested Capital

Invested capital represents the total cash investment that shareholders and debt holders have contributed to OFG Bancorp. There are two different methods for calculating OFG Bancorp invested capital: operating approach and financing approach. Understanding OFG Bancorp invested capital allows investors to calculate measures of performance such as return on invested capital or return on capital employed.

Most indicators from OFG Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into OFG Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OFG Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.At this time, OFG Bancorp's Enterprise Value Over EBITDA is most likely to increase significantly in the upcoming years. The OFG Bancorp's current Enterprise Value Multiple is estimated to increase to 48.44, while Tax Provision is projected to decrease to roughly 42 M.

	2021	2022	2023	2024 (projected)
Gross Profit	540.6M	613.8M	777.3M	816.1M
Total Revenue	540.6M	613.8M	776.9M	815.8M

Gross Profit Total Revenue

OFG Bancorp fundamental ratios Correlations

	Common Stock Shares Outstanding	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Other Liab	Accounts Payable	Long Term Debt	Common Stock Total Equity	Short Term Investments
Common Stock Shares Outstanding		0.56	0.19	0.7	0.34	0.75	0.47	-0.3	0.16	0.43	-0.09	-0.16	0.49	0.51	0.78	0.07	0.94	0.15	0.24	0.57	0.29	0.03	0.06	-0.09	0.89	0.21
Total Assets	0.56		0.15	0.79	0.51	0.91	0.89	-0.45	0.77	0.47	0.59	0.53	0.06	0.1	0.56	0.42	0.51	0.41	0.87	-0.01	-0.28	-0.13	0.14	-0.09	0.74	0.67
Short Long Term Debt Total	0.19	0.15		0.38	-0.49	0.01	-0.16	0.41	-0.37	-0.07	0.09	-0.06	-0.15	0.28	-0.1	-0.03	0.23	0.43	-0.13	0.63	-0.18	0.74	-0.25	0.3	0.06	0.42
Other Current Liab	0.7	0.79	0.38		0.4	0.82	0.51	-0.13	0.48	0.24	0.51	0.39	0.3	0.07	0.43	0.32	0.64	0.65	0.54	0.38	0.06	0.08	0.01	0.18	0.73	0.55
Total Current Liabilities	0.34	0.51	-0.49	0.4		0.6	0.6	-0.41	0.65	0.22	0.33	0.4	-0.1	-0.1	0.47	0.51	0.23	0.17	0.6	-0.13	0.19	-0.36	0.15	-0.35	0.46	0.3
Total Stockholder Equity	0.75	0.91	0.01	0.82	0.6		0.85	-0.43	0.72	0.41	0.46	0.43	0.31	0.11	0.67	0.28	0.66	0.38	0.79	0.15	0.04	-0.26	0.08	-0.21	0.85	0.56
Property Plant And Equipment Net	0.47	0.89	-0.16	0.51	0.6	0.85		-0.55	0.82	0.48	0.41	0.43	-0.05	0.16	0.7	0.45	0.37	0.21	0.9	-0.14	-0.29	-0.32	0.22	-0.45	0.67	0.62
Net Debt	-0.3	-0.45	0.41	-0.13	-0.41	-0.43	-0.55		-0.38	-0.93	0.09	0.01	-0.1	-0.35	-0.57	0.11	-0.36	0.52	-0.36	0.27	0.19	0.4	-0.62	0.17	-0.41	0.2
Retained Earnings	0.16	0.77	-0.37	0.48	0.65	0.72	0.82	-0.38		0.19	0.73	0.76	0.06	-0.38	0.32	0.51	0.05	0.39	0.93	-0.47	-0.27	-0.5	0.16	-0.22	0.46	0.53
Cash	0.43	0.47	-0.07	0.24	0.22	0.41	0.48	-0.93	0.19		-0.18	-0.15	0.08	0.56	0.62	-0.17	0.53	-0.46	0.25	-0.02	-0.24	-0.13	0.58	-0.08	0.5	-0.13
Non Current Assets Total	-0.09	0.59	0.09	0.51	0.33	0.46	0.41	0.09	0.73	-0.18		0.97	-0.03	-0.71	-0.2	0.4	-0.18	0.68	0.75	-0.36	-0.28	-0.16	-0.15	0.17	0.16	0.63
Non Currrent Assets Other	-0.16	0.53	-0.06	0.39	0.4	0.43	0.43	0.01	0.76	-0.15	0.97		-0.09	-0.74	-0.17	0.33	-0.28	0.58	0.78	-0.42	-0.25	-0.26	-0.11	-0.02	0.1	0.6
Other Assets	0.49	0.06	-0.15	0.3	-0.1	0.31	-0.05	-0.1	0.06	0.08	-0.03	-0.09		-0.1	0.13	-0.36	0.49	-0.03	-0.08	0.06	0.39	-0.33	-0.02	0.35	0.42	-0.38
Cash And Short Term Investments	0.51	0.1	0.28	0.07	-0.1	0.11	0.16	-0.35	-0.38	0.56	-0.71	-0.74	-0.1		0.64	-0.1	0.59	-0.36	-0.25	0.58	0.03	0.32	0.26	-0.23	0.34	-0.08
Net Receivables	0.78	0.56	-0.1	0.43	0.47	0.67	0.7	-0.57	0.32	0.62	-0.2	-0.17	0.13	0.64		0.16	0.71	-0.09	0.39	0.32	0.05	-0.12	0.38	-0.5	0.79	0.25
Non Current Liabilities Total	0.07	0.42	-0.03	0.32	0.51	0.28	0.45	0.11	0.51	-0.17	0.4	0.33	-0.36	-0.1	0.16		-0.06	0.59	0.48	-0.12	-0.34	0.13	-0.17	-0.12	0.18	0.56
Other Stockholder Equity	0.94	0.51	0.23	0.64	0.23	0.66	0.37	-0.36	0.05	0.53	-0.18	-0.28	0.49	0.59	0.71	-0.06		0.0	0.12	0.51	0.28	0.05	0.08	0.08	0.88	0.08
Total Liab	0.15	0.41	0.43	0.65	0.17	0.38	0.21	0.52	0.39	-0.46	0.68	0.58	-0.03	-0.36	-0.09	0.59	0.0		0.43	0.24	-0.02	0.22	-0.43	0.09	0.21	0.75
Property Plant And Equipment Gross	0.24	0.87	-0.13	0.54	0.6	0.79	0.9	-0.36	0.93	0.25	0.75	0.78	-0.08	-0.25	0.39	0.48	0.12	0.43		-0.31	-0.34	-0.33	0.09	-0.32	0.5	0.72
Total Current Assets	0.57	-0.01	0.63	0.38	-0.13	0.15	-0.14	0.27	-0.47	-0.02	-0.36	-0.42	0.06	0.58	0.32	-0.12	0.51	0.24	-0.31		0.4	0.55	-0.16	-0.14	0.26	0.2
Short Term Debt	0.29	-0.28	-0.18	0.06	0.19	0.04	-0.29	0.19	-0.27	-0.24	-0.28	-0.25	0.39	0.03	0.05	-0.34	0.28	-0.02	-0.34	0.4		-0.2	-0.18	-0.05	0.13	-0.25
Other Liab	0.03	-0.13	0.74	0.08	-0.36	-0.26	-0.32	0.4	-0.5	-0.13	-0.16	-0.26	-0.33	0.32	-0.12	0.13	0.05	0.22	-0.33	0.55	-0.2		-0.17	0.21	-0.16	0.2
Accounts Payable	0.06	0.14	-0.25	0.01	0.15	0.08	0.22	-0.62	0.16	0.58	-0.15	-0.11	-0.02	0.26	0.38	-0.17	0.08	-0.43	0.09	-0.16	-0.18	-0.17		-0.09	0.1	-0.23
Long Term Debt	-0.09	-0.09	0.3	0.18	-0.35	-0.21	-0.45	0.17	-0.22	-0.08	0.17	-0.02	0.35	-0.23	-0.5	-0.12	0.08	0.09	-0.32	-0.14	-0.05	0.21	-0.09		-0.11	-0.34
Common Stock Total Equity	0.89	0.74	0.06	0.73	0.46	0.85	0.67	-0.41	0.46	0.5	0.16	0.1	0.42	0.34	0.79	0.18	0.88	0.21	0.5	0.26	0.13	-0.16	0.1	-0.11		0.36
Short Term Investments	0.21	0.67	0.42	0.55	0.3	0.56	0.62	0.2	0.53	-0.13	0.63	0.6	-0.38	-0.08	0.25	0.56	0.08	0.75	0.72	0.2	-0.25	0.2	-0.23	-0.34	0.36

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OFG Bancorp Account Relationship Matchups

OFG Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Common Stock Shares Outstanding	51.7M	51.6M	51.4M	48.4M	47.6M	36.8M
Total Assets	9.3B	9.8B	9.9B	9.8B	11.5B	12.1B
Short Long Term Debt Total	155.1M	134.9M	95.1M	54.4M	224.8M	243.9M
Other Current Liab	3.6B	4.6B	5.2B	5.2B	6.1B	6.4B
Total Current Liabilities	3.8B	4.7B	5.3B	5.2B	6.1B	6.4B
Total Stockholder Equity	1.0B	1.1B	1.1B	1.0B	1.2B	1.3B
Property Plant And Equipment Net	120.2M	115.2M	121.0M	132.2M	125.8M	132.1M
Net Debt	(697.6M)	(2.0B)	(1.9B)	(496.1M)	(523.4M)	(497.2M)
Retained Earnings	280.0M	300.1M	399.9M	516.4M	639.3M	671.3M
Cash	852.8M	2.2B	2.0B	550.5M	748.2M	382.2M
Non Current Assets Total	1.4B	744.9M	1.2B	2.3B	10.6B	11.1B
Non Currrent Assets Other	(370.8M)	(2.6M)	(2.6M)	(238.3M)	10.1B	10.6B
Other Assets	5.8B	6.3B	6.0B	5.5B	6.3B	3.3B
Cash And Short Term Investments	1.9B	2.6B	2.5B	2.0B	(748.2M)	(710.8M)
Net Receivables	138.2M	144.4M	181.9M	152.7M	119.3M	62.6M
Liabilities And Stockholders Equity	9.3B	9.8B	9.9B	9.8B	11.5B	12.1B
Non Current Liabilities Total	155.1M	134.9M	95.1M	8.8B	4.2B	4.5B
Other Stockholder Equity	519.2M	519.7M	486.5M	425.7M	410.3M	249.5M
Total Liab	155.1M	134.9M	95.1M	8.8B	10.3B	10.8B
Property Plant And Equipment Gross	120.2M	115.2M	121.0M	132.2M	201.7M	211.8M
Total Current Assets	2.1B	2.7B	2.7B	2.1B	923.0M	1.7B
Short Term Debt	182.8M	38.8M	37.7M	35.9M	8.3M	7.9M
Accumulated Other Comprehensive Income	94.8M	114.3M	122.8M	40.5M	84.0M	88.2M
Other Liab	2.7M	728K	798K	867K	780.3K	741.3K
Accounts Payable	185.7M	154.4M	8.6B	125.0M	143.7M	136.6M
Long Term Debt	913K	38.5M	64.6M	27.0M	200.8M	190.7M
Short Term Investments	1.1B	446.4M	510.7M	1.4B	2.1B	2.2B
Inventory	(997.3M)	(2.3B)	(2.2B)	(741.0M)	628.9M	660.4M
Treasury Stock	(102.3M)	(102.9M)	(150.6M)	(211.1M)	(190.0M)	(180.5M)
Property Plant Equipment	81.1M	83.8M	121.0M	132.2M	152.0M	159.6M
Intangible Assets	107.7M	93.2M	85.1M	78.5M	70.2M	73.7M
Other Current Assets	997.3M	2.3B	2.2B	712.2M	923.0M	876.9M
Retained Earnings Total Equity	279.6M	300.1M	399.9M	516.4M	593.8M	623.5M
Net Tangible Assets	810.4M	862.0M	947.0M	930.6M	1.1B	877.9M
Long Term Debt Total	913K	38.5M	36.9M	318K	286.2K	271.9K
Capital Surpluse	621.5M	622.7M	637.1M	636.8M	732.3M	637.5M

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When determining whether OFG Bancorp is a strong investment it is important to analyze OFG Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact OFG Bancorp's future performance. For an informed investment choice regarding OFG Stock, refer to the following important reports:

How To Invest In OFG

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Is OFG Stock a good investment?

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What is OFG Bancorp's Net Worth?

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Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OFG Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.

Note that the OFG Bancorp information on this page should be used as a complementary analysis to other OFG Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

Complementary Tools for OFG Stock analysis

When running OFG Bancorp's price analysis, check to measure OFG Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OFG Bancorp is operating at the current time. Most of OFG Bancorp's value examination focuses on studying past and present price action to predict the probability of OFG Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OFG Bancorp's price. Additionally, you may evaluate how the addition of OFG Bancorp to your portfolios can decrease your overall portfolio volatility.

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Is OFG Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OFG Bancorp. If investors know OFG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OFG Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.019

Dividend Share

0.88

Earnings Share

3.83

Revenue Per Share

13.302

Quarterly Revenue Growth

0.017

The market value of OFG Bancorp is measured differently than its book value, which is the value of OFG that is recorded on the company's balance sheet. Investors also form their own opinion of OFG Bancorp's value that differs from its market value or its book value, called intrinsic value, which is OFG Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OFG Bancorp's market value can be influenced by many factors that don't directly affect OFG Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between OFG Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if OFG Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OFG Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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OFG Net Income vs Invested Capital Analysis

Net Income vs Invested Capital

Net Income vs Invested Capital Correlation Analysis

Correlation Coefficient

Net Income

Invested Capital

OFG Bancorp fundamental ratios Correlations

OFG Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

OFG Bancorp fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

Complementary Tools for OFG Stock analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Non Currrent Assets Other	+ 0.97	Non Current Assets Total
Other Stockholder Equity	+ 0.94	Common Stock Shares Outstanding
Property Plant And Equipment Gross	+ 0.93	Retained Earnings
Total Stockholder Equity	+ 0.91	Total Assets
Property Plant And Equipment Gross	+ 0.9	Property Plant And Equipment Net
Common Stock Total Equity	+ 0.89	Common Stock Shares Outstanding

Cash	- 0.93	Net Debt
Cash And Short Term Investments	- 0.74	Non Currrent Assets Other
Cash And Short Term Investments	- 0.71	Non Current Assets Total
Accounts Payable	- 0.62	Net Debt
Net Receivables	- 0.57	Net Debt
Net Debt	- 0.55	Property Plant And Equipment Net