OFG Bancorp

OFG Bancorp EV/EBIT

The EV/EBIT (Enterprise Value to EBIT) of OFG Bancorp (OFG) as of Nov 11, 2026 is 6.93. In the previous year, EV/EBIT (Enterprise Value to EBIT) was 7.26 — a change of -4.61% (lower).

EV/EBIT

6.93

YoY

-4.61%

Last updated:

EV/EBIT (Enterprise Value to EBIT) of OFG Bancorp is 2025 6.93 . EV/EBIT (Enterprise Value to EBIT) of OFG Bancorp was 2024 7.26 . It decreases by -4.61% lower compared to the previous year.

The OFG Bancorp EV/EBIT history

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EV/EBIT
Date
EV/EBIT
Jan 1, 2018
13.87 USD
Jan 1, 2019
24.48 USD
Jan 1, 2020
19.43 USD
Jan 1, 2021
8.58 USD
Jan 1, 2022
7.55 USD
Jan 1, 2023
6.95 USD
Jan 1, 2024
7.26 USD
Jan 1, 2025
6.93 USD
The OFG Bancorp EV/EBIT history
YEAREV/EBITYoY
6.93-4.61%
7.26+4.53%
6.95-7.97%
7.55-12.09%
8.58-55.81%
19.43-20.64%
24.48+76.48%
13.87-48.73%
27.06+25.10%
21.63-123.55%
-91.84-710.39%
15.05—

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OFG Bancorp Valuation

Details

Historical Valuation Multiples

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Price-to-Earnings Ratio (P/E)

The P/E ratio divides OFG Bancorp's share price by its earnings per share. It tells you how many years of current earnings you are "paying for" when you buy the stock. A P/E of 20 means you pay $20 for every $1 of annual earnings. The S&P 500 historically trades at an average P/E of roughly 15–17. A P/E significantly above that may signal high growth expectations; one below may indicate undervaluation — or declining business quality.

Price-to-Sales Ratio (P/S)

The P/S ratio divides market capitalization by total revenue. Unlike the P/E ratio, it works even for companies that are not yet profitable, making it essential for evaluating high-growth firms. A P/S below 1.0 may indicate undervaluation, while ratios above 10 are typically reserved for fast-growing tech or SaaS companies with high expected future margins.

Price-to-EBIT Ratio

This ratio relates OFG Bancorp's market price to its operating earnings, excluding the effects of debt structure and tax jurisdiction. It is particularly useful for comparing companies across different countries or with different levels of leverage, because it focuses purely on operational profitability. Lower values suggest cheaper operational earnings.

How to Use This Chart

This chart plots OFG Bancorp's valuation multiples over time. Compare the current P/E, P/S, and P/EBIT to their own historical averages — if the current ratio is well below the multi-year average, the stock may be relatively cheap compared to its own track record. Combine this with industry comparisons: a P/E that looks high in absolute terms may be justified if OFG Bancorp grows earnings faster than its peers.

OFG Bancorp Stock analysis

What does OFG Bancorp do? OFG Bancorp is a financial services company based in San Juan, Puerto Rico. The company has a long history dating back to 1964 when it was founded as Oriental Financial Group. Over the years, OFG Bancorp has conducted a number of mergers and acquisitions and is now the holding company for a range of subsidiary companies that focus on various areas of the financial services business. The company is divided into five main areas: retail banking, commercial banking, wealth management, treasury management, and mortgage banking. Each area offers a range of products and services to respond to customer needs. Retail banking: OFG's retail banking focuses on personal accounts, loans, and credit cards. The company operates over 50 branches and ATMs in Puerto Rico and also has a presence in Florida. Products offered include credit and debit cards, mortgages, auto loans, personal loans, and savings accounts. Commercial banking: OFG Bancorp also provides banking services to small and medium-sized businesses. This includes deposit accounts, loans, leasing financing, and treasury management services. OFG's commercial banking is divided into several areas, including real estate, consumer products, healthcare, and government. Wealth management: OFG's wealth management offers a range of financial services to affluent private and business clients. This includes investment advice, portfolio management, retirement and estate planning, and tax planning. These services are provided by a team of experienced financial advisors and investment experts who work closely with clients to ensure their needs are met. Treasury management: OFG's treasury management focuses on companies and institutions that require complex financial management and payment solutions. This includes cash management solutions, payment processing, electronic invoicing, and trade financing. OFG also offers customized solutions tailored to their specific requirements. Mortgage banking: OFG's mortgage banking specializes in mortgage financing in the United States and operates a large network of lenders and brokers. The company offers a wide range of mortgage products including fixed and variable interest rates, FHA and VA loans, and jumbo mortgages. OFG Mortgage also focuses on US overseas territories. Overall, OFG Bancorp is a diverse financial services company that caters to a wide range of customers and needs. The company is committed to continuously evolving and adapting its products and services to meet the changing needs of its customers. OFG Bancorp is one of the most popular companies on Eulerpool.

Frequently Asked Questions about OFG Bancorp stock

EV/EBIT (Enterprise Value to EBIT) of OFG Bancorp is 6.93 in 2025.

EV/EBIT (Enterprise Value to EBIT) of OFG Bancorp changed from 7.26 to 6.93, representing a -4.61% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EV/EBIT (Enterprise Value to EBIT) OFG Bancorp since 2006 – with annual values, charts, and detailed analysis.

The EV/EBIT ratio measures a company's enterprise value relative to its operating earnings. It accounts for debt, making it useful for comparing companies with different capital structures.

EV/EBIT = Enterprise Value / Earnings Before Interest and Taxes

To evaluate EV/EBIT (Enterprise Value to EBIT)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/EBIT (Enterprise Value to EBIT).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/EBIT (Enterprise Value to EBIT)'s OFG Bancorp with sector peers and the industry average to assess whether it is attractive.

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Valuation — OFG Bancorp

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