OFG Bancorp (OFG) — Financial Flexibility Index
OFG Bancorp (OFG) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $43.49 Million (operating CF $39.50 Million minus capex $3.99 Million) represents 0% of total liabilities ($10.85 Billion). Check asset allocation strategy of OFG Bancorp to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
OFG Bancorp Financial Flexibility Index (1988–2024)
Historical Financial Flexibility Index trend for OFG Bancorp across 36 annual periods. See OFG working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for OFG Bancorp (1988–2024)
Year-by-year free cash flow to debt coverage for OFG Bancorp. For the full company profile including market capitalisation, see OFG Bancorp market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.03x | $294.21 Million | $252.50 Million | $10.25 Billion | ▼ -7.0% |
| 2023 | 0.03x | $313.51 Million | $295.66 Million | $10.15 Billion | ▲ +38.7% |
| 2022 | 0.02x | $195.46 Million | $164.46 Million | $8.78 Billion | ▲ +59.8% |
| 2021 | 0.01x | $123.10 Million | $100.04 Million | $8.83 Billion | ▲ +266.1% |
| 2020 | -0.01x | $-73.36 Million | $-88.62 Million | $8.74 Billion | ▼ -101.1% |
| 2019 | 0.79x | $122.58 Million | $109.62 Million | $155.13 Million | ▲ +2946.1% |
| 2018 | 0.03x | $144.85 Million | $133.35 Million | $5.58 Billion | ▼ -13.9% |
| 2017 | 0.03x | $157.91 Million | $151.44 Million | $5.24 Billion | ▲ +100.5% |
| 2016 | 0.02x | $83.81 Million | $78.51 Million | $5.58 Billion | ▼ -9.0% |
| 2015 | 0.02x | $102.36 Million | $97.08 Million | $6.20 Billion | ▼ -41.3% |
| 2014 | 0.03x | $182.91 Million | $175.00 Million | $6.51 Billion | ▲ +11.5% |
| 2013 | 0.03x | $182.94 Million | $173.82 Million | $7.25 Billion | ▲ +302.7% |
| 2012 | 0.01x | $52.17 Million | $50.24 Million | $8.33 Billion | ▲ +203.4% |
| 2011 | -0.01x | $-36.34 Million | $-39.73 Million | $6.00 Billion | ▼ -77.4% |
| 2010 | 0.00x | $-22.47 Million | $-32.44 Million | $6.58 Billion | ▲ +46.0% |
| 2009 | -0.01x | $-39.36 Million | $-43.99 Million | $6.22 Billion | ▼ -296.3% |
| 2008 | 0.00x | $-9.49 Million | $-14.35 Million | $5.94 Billion | ▲ +71.7% |
| 2007 | -0.01x | $-31.84 Million | $-38.87 Million | $5.64 Billion | ▲ +52.8% |
| 2006 | -0.01x | $-48.27 Million | $-58.82 Million | $4.04 Billion | ▼ -456.8% |
| 2005 | 0.00x | $14.05 Million | $11.27 Million | $4.19 Billion | ▲ +129.7% |
| 2004 | -0.01x | $-35.16 Million | $-42.52 Million | $3.12 Billion | ▲ +38.7% |
| 2003 | -0.02x | $-47.99 Million | $-50.86 Million | $2.61 Billion | ▼ -416.1% |
| 2002 | 0.00x | $-8.27 Million | $-14.74 Million | $2.32 Billion | ▼ -119.8% |
| 2001 | 0.02x | $29.39 Million | $25.60 Million | $1.64 Billion | ▼ -26.7% |
| 2000 | 0.02x | $42.40 Million | $38.74 Million | $1.73 Billion | ▼ -76.0% |
| 1999 | 0.10x | $149.29 Million | $144.30 Million | $1.46 Billion | ▲ +2453.3% |
| 1998 | 0.00x | $4.40 Million | $1.70 Million | $1.10 Billion | ▲ +139.9% |
| 1997 | -0.01x | $-9.80 Million | $-13.50 Million | $979.20 Million | ▲ +25.8% |
| 1996 | -0.01x | $-13.20 Million | $-16.90 Million | $979.20 Million | ▼ -144.4% |
| 1995 | 0.03x | $24.20 Million | $19.80 Million | $797.50 Million | ▲ +2459.2% |
| 1994 | 0.00x | $800.00K | $-2.40 Million | $674.70 Million | ▲ +106.3% |
| 1992 | -0.02x | $-9.30 Million | $-11.00 Million | $491.30 Million | ▼ -198.7% |
| 1991 | 0.02x | $7.00 Million | $6.40 Million | $365.10 Million | ▲ +115.4% |
| 1990 | 0.01x | $2.60 Million | $1.70 Million | $292.10 Million | ▼ -70.1% |
| 1989 | 0.03x | $7.90 Million | $5.30 Million | $265.80 Million | ▼ -7.9% |
| 1988 | 0.03x | $7.50 Million | $3.10 Million | $232.40 Million | — |