OFG Bancorp (OFG) — Cash Flow Quality Index
Latest as of September 2025:
0.76x
OFG Bancorp (OFG) has a Cash Flow Quality Index of 0.76x as of September 2025. Operating cash flow of $39.50 Million is below net income of $51.84 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can OFG Bancorp service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.76x
Operating CF / Net Income
Operating Cash Flow
$39.50 Million
USD
Net Income
$51.84 Million
USD
Data as of
Sep 2025
Most recent filing
OFG Bancorp Cash Flow Quality Index (1990–2024)
Historical Cash Flow Quality Index for OFG Bancorp across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see OFG Bancorp operating cash flow efficiency.
Annual Cash Flow Quality Index for OFG Bancorp (1990–2024)
Year-by-year earnings quality comparison for OFG Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.27x | $252.50 Million | $198.17 Million | ▼ -21.6% |
| 2023 | 1.63x | $295.66 Million | $181.87 Million | ▲ +64.3% |
| 2022 | 0.99x | $164.46 Million | $166.24 Million | ▲ +44.5% |
| 2021 | 0.68x | $100.04 Million | $146.15 Million | ▲ +157.4% |
| 2020 | -1.19x | $-88.62 Million | $74.33 Million | ▼ -158.6% |
| 2019 | 2.04x | $109.62 Million | $53.84 Million | ▲ +28.9% |
| 2018 | 1.58x | $133.35 Million | $84.41 Million | ▼ -45.1% |
| 2017 | 2.88x | $151.44 Million | $52.65 Million | ▲ +116.8% |
| 2016 | 1.33x | $78.51 Million | $59.19 Million | ▼ -35.4% |
| 2014 | 2.05x | $175.00 Million | $85.18 Million | ▲ +16.4% |
| 2013 | 1.77x | $173.82 Million | $98.45 Million | ▼ -13.7% |
| 2012 | 2.05x | $50.24 Million | $24.55 Million | ▲ +277.4% |
| 2011 | -1.15x | $-39.73 Million | $34.45 Million | ▲ +65.0% |
| 2010 | -3.30x | $-32.44 Million | $9.83 Million | ▼ -72.1% |
| 2009 | -1.92x | $-43.99 Million | $22.95 Million | ▼ -257.9% |
| 2008 | -0.54x | $-14.35 Million | $26.79 Million | ▲ +43.1% |
| 2007 | -0.94x | $-38.87 Million | $41.27 Million | ▼ -382.8% |
| 2005 | 0.33x | $11.27 Million | $33.84 Million | ▲ +146.8% |
| 2004 | -0.71x | $-42.52 Million | $59.72 Million | ▲ +28.1% |
| 2003 | -0.99x | $-50.86 Million | $51.32 Million | ▼ -158.5% |
| 2002 | -0.38x | $-14.74 Million | $38.45 Million | ▼ -112.7% |
| 2001 | 3.02x | $25.60 Million | $8.47 Million | ▲ +52.7% |
| 2000 | 1.98x | $38.74 Million | $19.57 Million | ▼ -63.5% |
| 1999 | 5.42x | $144.30 Million | $26.60 Million | ▲ +6728.7% |
| 1998 | 0.08x | $1.70 Million | $21.40 Million | ▲ +109.8% |
| 1997 | -0.81x | $-13.50 Million | $16.60 Million | ▲ +20.1% |
| 1996 | -1.02x | $-16.90 Million | $16.60 Million | ▼ -175.6% |
| 1995 | 1.35x | $19.80 Million | $14.70 Million | ▲ +779.1% |
| 1994 | -0.20x | $-2.40 Million | $12.10 Million | ▲ +87.4% |
| 1992 | -1.57x | $-11.00 Million | $7.00 Million | ▼ -139.3% |
| 1991 | 4.00x | $6.40 Million | $1.60 Million | ▲ +135.3% |
| 1990 | 1.70x | $1.70 Million | $1.00 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.