OFG Bancorp Cash Flow Quality Index
OFG Bancorp 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. See financial flexibility index of OFG Bancorp to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of OFG Bancorp (1990–2024)
Cash flow quality index of OFG Bancorp from 1990 to 2024. Historical Cash Flow Quality Index for OFG Bancorp across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore OFG Bancorp (OFG) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
OFG Bancorp Cash Flow Quality Index by Year (1990–2024)
OFG Bancorp cash flow quality index by year from 1990 to 2024. Year-by-year earnings quality comparison for OFG Bancorp. For the full cash flow conversion analysis, see OFG cash generation efficiency.
| 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 | — |