OFG Bancorp (OFG) — Cash Flow Quality Index
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 OFG Bancorp (OFG) long-term investment share to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
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. Check OFG Bancorp tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for OFG Bancorp (1990–2024)
Year-by-year earnings quality comparison for OFG Bancorp. For live market cap and the full company financial profile, see how much is OFG Bancorp worth.
| 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 | — |