OFG Bancorp (OFG) — Working Capital to Net Assets Ratio
OFG Bancorp (OFG) has a Working Capital to Net Assets ratio of -674.3% as of December 2025. Working capital of $-9.37 Billion (current assets of $1.22 Billion minus current liabilities of $10.60 Billion) is measured against net assets of $1.39 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See how many days can OFG Bancorp fund operations to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
OFG Bancorp Working Capital to Net Assets (1988–2025)
This chart shows how OFG Bancorp's Working Capital to Net Assets ratio has evolved across 37 annual periods from 1988 to 2025. As of December 2025, the ratio stands at -674.3%, reflecting working capital of $-9.37 Billion against net assets of $1.39 Billion USD. For the complete balance sheet picture, see OFG Bancorp balance sheet assets.
Annual Working Capital to Net Assets for OFG Bancorp (1988–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for OFG Bancorp from 1988 to 2025, covering 37 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check OFG asset resilience ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -674.3% | $-9.37 Billion | $1.39 Billion | $1.22 Billion | $10.60 Billion | ▼ -147.6 pp |
| 2024 | -526.7% | $-6.61 Billion | $1.25 Billion | $3.07 Billion | $9.68 Billion | ▲ +41.4 pp |
| 2023 | -568.1% | $-6.78 Billion | $1.19 Billion | $2.98 Billion | $9.76 Billion | ▲ +66.3 pp |
| 2022 | -634.4% | $-6.61 Billion | $1.04 Billion | $2.08 Billion | $8.69 Billion | ▼ -68.8 pp |
| 2021 | -565.6% | $-6.05 Billion | $1.07 Billion | $2.65 Billion | $8.70 Billion | ▼ -27.6 pp |
| 2020 | -538.0% | $-5.84 Billion | $1.09 Billion | $2.73 Billion | $8.57 Billion | ▼ -519.1 pp |
| 2019 | -18.9% | $-1.73 Billion | $9.14 Billion | $2.07 Billion | $3.80 Billion | ▼ -287.6 pp |
| 2018 | 268.7% | $2.69 Billion | $999.88 Million | $5.15 Billion | $2.46 Billion | ▼ -9.3 pp |
| 2017 | 277.9% | $2.63 Billion | $945.11 Million | $4.87 Billion | $2.24 Billion | ▼ -6.8 pp |
| 2016 | 284.7% | $2.62 Billion | $920.41 Million | $4.98 Billion | $2.36 Billion | ▲ +752.3 pp |
| 2015 | -467.6% | $-4.19 Billion | $897.08 Million | $1.55 Billion | $5.74 Billion | ▼ -23.0 pp |
| 2014 | -444.6% | $-4.19 Billion | $942.20 Million | $1.85 Billion | $6.04 Billion | ▲ +68.7 pp |
| 2013 | -513.4% | $-4.54 Billion | $884.91 Million | $2.25 Billion | $6.80 Billion | ▲ +4.9 pp |
| 2012 | -518.2% | $-4.48 Billion | $863.61 Million | $3.12 Billion | $7.60 Billion | ▼ -242.7 pp |
| 2011 | -275.5% | $-1.92 Billion | $695.55 Million | $3.61 Billion | $5.52 Billion | ▲ +519.1 pp |
| 2010 | -794.6% | $-5.82 Billion | $732.33 Million | $477.66 Million | $6.30 Billion | ▲ +784.8 pp |
| 2009 | -1579.4% | $-5.21 Billion | $330.17 Million | $310.93 Million | $5.53 Billion | ▲ +520.8 pp |
| 2008 | -2100.2% | $-5.49 Billion | $261.32 Million | $58.28 Million | $5.55 Billion | ▼ -600.2 pp |
| 2007 | -1500.0% | $-5.39 Billion | $359.46 Million | $75.17 Million | $5.47 Billion | ▼ -390.1 pp |
| 2006 | -1110.0% | $-3.73 Billion | $336.43 Million | $48.28 Million | $3.78 Billion | ▼ -294.0 pp |
| 2005 | -816.0% | $-2.79 Billion | $341.79 Million | $118.91 Million | $2.91 Billion | ▲ +505.7 pp |
| 2004 | -1321.6% | $-2.95 Billion | $223.52 Million | $30.63 Million | $2.98 Billion | ▼ -44.9 pp |
| 2003 | -1276.7% | $-2.47 Billion | $193.58 Million | $28.76 Million | $2.50 Billion | ▲ +48.3 pp |
| 2002 | -1325.0% | $-2.21 Billion | $166.43 Million | $24.98 Million | $2.23 Billion | ▲ +29.5 pp |
| 2001 | -1354.4% | $-1.49 Billion | $110.11 Million | $22.18 Million | $1.51 Billion | ▼ -8.6 pp |
| 2000 | -1345.9% | $-1.59 Billion | $117.87 Million | $23.81 Million | $1.61 Billion | ▼ -300.0 pp |
| 1999 | -1045.9% | $-1.30 Billion | $124.00 Million | $23.56 Million | $1.32 Billion | ▼ -120.9 pp |
| 1998 | -925.0% | $-937.00 Million | $101.30 Million | $29.00 Million | $966.00 Million | ▼ -33.7 pp |
| 1997 | -891.3% | $-796.80 Million | $89.40 Million | $38.40 Million | $835.20 Million | ▲ +61.5 pp |
| 1996 | -952.8% | $-851.80 Million | $89.40 Million | $12.40 Million | $864.20 Million | ▼ -146.9 pp |
| 1995 | -805.9% | $-643.90 Million | $79.90 Million | $27.00 Million | $670.90 Million | ▼ -31.6 pp |
| 1994 | -774.3% | $-539.70 Million | $69.70 Million | $35.70 Million | $575.40 Million | ▲ +509.6 pp |
| 1992 | -1283.9% | $-399.30 Million | $31.10 Million | $28.20 Million | $427.50 Million | ▼ -107.7 pp |
| 1991 | -1176.2% | $-287.00 Million | $24.40 Million | $19.90 Million | $306.90 Million | ▼ -2.7 pp |
| 1990 | -1173.5% | $-261.70 Million | $22.30 Million | $12.10 Million | $273.80 Million | ▼ -110.2 pp |
| 1989 | -1063.4% | $-226.50 Million | $21.30 Million | $20.80 Million | $247.30 Million | ▼ -80.0 pp |
| 1988 | -983.4% | $-189.80 Million | $19.30 Million | $11.10 Million | $200.90 Million | — |