OFG Bancorp (OFG) — Defensive Interval Ratio
OFG Bancorp (OFG) has a Defensive Interval Ratio of 6 days as of December 2025. Defensive assets of $161.99 Million (cash $-, short-term investments $23.00K, receivables $161.97 Million) cover 6 days of daily cash needs of $29.03 Million/day. See OFG working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
OFG Bancorp Defensive Interval Ratio (1988–2025)
This chart shows how OFG Bancorp's Defensive Interval Ratio has evolved across 37 annual periods from 1988 to 2025. As of December 2025, the ratio stands at 6 days, meaning defensive assets of $161.99 Million can fund 6 days of operations without new revenue. See OFG net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for OFG Bancorp (1988–2025)
The table below presents the year-by-year Defensive Interval Ratio for OFG Bancorp from 1988 to 2025, covering 37 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see OFG company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 6 days | $161.99 Million | $29.03 Million/day | $- | $23.00K | ▼ -85 days |
| 2024 | 91 days | $2.41 Billion | $26.52 Million/day | $- | $2.34 Billion | ▲ +10 days |
| 2023 | 81 days | $2.17 Billion | $26.75 Million/day | $- | $2.10 Billion | ▲ +19 days |
| 2022 | 62 days | $1.48 Billion | $23.82 Million/day | $- | $1.41 Billion | ▲ +38 days |
| 2021 | 24 days | $567.27 Million | $23.83 Million/day | $- | $510.71 Million | ▲ +2 days |
| 2020 | 22 days | $511.99 Million | $23.48 Million/day | $- | $446.44 Million | ▼ -95 days |
| 2019 | 117 days | $1.21 Billion | $10.40 Million/day | $- | $1.07 Billion | ▼ -24 days |
| 2018 | 141 days | $947.84 Million | $6.74 Million/day | $- | $841.86 Million | ▲ +13 days |
| 2017 | 128 days | $784.66 Million | $6.14 Million/day | $- | $645.80 Million | ▼ -6 days |
| 2016 | 134 days | $865.38 Million | $6.46 Million/day | $- | $751.48 Million | ▲ +70 days |
| 2015 | 64 days | $1.00 Billion | $15.74 Million/day | $- | $974.61 Million | ▼ -12 days |
| 2014 | 76 days | $1.26 Billion | $16.54 Million/day | $- | $1.22 Billion | ▼ -11 days |
| 2013 | 87 days | $1.62 Billion | $18.62 Million/day | $- | $1.59 Billion | ▼ -20 days |
| 2012 | 107 days | $2.22 Billion | $20.81 Million/day | $- | $2.19 Billion | ▼ -91 days |
| 2011 | 197 days | $2.98 Billion | $15.13 Million/day | $- | $2.96 Billion | ▼ -19 days |
| 2010 | 216 days | $3.73 Billion | $17.25 Million/day | $- | $3.70 Billion | ▲ +214 days |
| 2009 | 2 days | $33.81 Million | $15.14 Million/day | $- | $150.00K | ▼ -4 days |
| 2008 | 6 days | $95.92 Million | $15.20 Million/day | $- | $52.00 Million | ▼ -2 days |
| 2007 | 8 days | $118.44 Million | $14.98 Million/day | $- | $66.12 Million | ▲ +3 days |
| 2006 | 5 days | $51.67 Million | $10.36 Million/day | $- | $23.73 Million | ▼ -3 days |
| 2005 | 8 days | $63.53 Million | $7.97 Million/day | $- | $39.79 Million | ▲ +1 days |
| 2004 | 7 days | $59.13 Million | $8.18 Million/day | $- | $39.79 Million | ▲ +4 days |
| 2003 | 4 days | $25.00 Million | $6.85 Million/day | $- | $7.75 Million | ▲ +1 days |
| 2002 | 3 days | $16.73 Million | $6.11 Million/day | $- | $1.03 Million | ▼ -2 days |
| 2001 | 4 days | $17.79 Million | $4.15 Million/day | $- | $1.03 Million | ▼ -3 days |
| 2000 | 8 days | $33.59 Million | $4.41 Million/day | $- | $20.10 Million | ▲ +3 days |
| 1999 | 5 days | $16.85 Million | $3.62 Million/day | $- | $1.35 Million | ▼ 0 days |
| 1998 | 5 days | $13.40 Million | $2.65 Million/day | $- | $- | ▼ 0 days |
| 1997 | 5 days | $12.40 Million | $2.29 Million/day | $- | $- | ▲ +0 days |
| 1996 | 5 days | $12.40 Million | $2.37 Million/day | $- | $- | ▼ 0 days |
| 1995 | 5 days | $10.10 Million | $1.84 Million/day | $- | $- | ▲ +0 days |
| 1994 | 5 days | $8.00 Million | $1.58 Million/day | $- | $- | ▲ +1 days |
| 1992 | 4 days | $5.00 Million | $1.17 Million/day | $- | $- | ▼ -2 days |
| 1991 | 6 days | $5.10 Million | $840.82K/day | $- | $- | ▲ +1 days |
| 1990 | 5 days | $3.60 Million | $750.14K/day | $- | $- | ▲ +0 days |
| 1989 | 5 days | $3.20 Million | $677.53K/day | $- | $- | ▼ -1 days |
| 1988 | 5 days | $2.90 Million | $550.41K/day | $- | $- | — |