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 OFG total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see OFG Bancorp cash flow conversion.
Annual Financial Flexibility Index for OFG Bancorp (1988–2024)
Year-by-year free cash flow to debt coverage for OFG Bancorp. Explore cash flow to debt ratio of OFG Bancorp to assess how comfortably operating cash covers total debt obligations.
| 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 | — |