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Side-by-side financial comparison of BRC Inc. (BRCC) and OFG BANCORP (OFG). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $112.7M, roughly 1.6× BRC Inc.). OFG BANCORP runs the higher net margin — 30.3% vs -2.8%, a 33.2% gap on every dollar of revenue. On growth, BRC Inc. posted the faster year-over-year revenue change (6.5% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-9.4M). Over the past eight quarters, BRC Inc.'s revenue compounded faster (7.0% CAGR vs 2.8%).
BRC Inc., operating under the Black Rifle Coffee brand, is a U.S.-headquartered premium coffee and lifestyle brand. It sells roasted coffee beans, ready-to-drink coffee products, branded apparel, and outdoor gear, targeting primarily veteran, first responder, and outdoor enthusiast consumer segments across North America, via both e-commerce and physical retail channels.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
BRCC vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.7M | $184.3M |
| Net Profit | $-3.2M | $55.9M |
| Gross Margin | 32.1% | — |
| Operating Margin | -6.3% | 25.7% |
| Net Margin | -2.8% | 30.3% |
| Revenue YoY | 6.5% | 0.9% |
| Net Profit YoY | -29.3% | 11.0% |
| EPS (diluted) | $-0.02 | $1.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $112.7M | $184.3M | ||
| Q3 25 | $100.7M | $186.2M | ||
| Q2 25 | $94.8M | $182.4M | ||
| Q1 25 | $90.0M | $178.6M | ||
| Q4 24 | $105.9M | $182.7M | ||
| Q3 24 | $98.2M | $174.7M | ||
| Q2 24 | $89.0M | $179.8M | ||
| Q1 24 | $98.4M | $174.4M |
| Q4 25 | $-3.2M | $55.9M | ||
| Q3 25 | $-486.0K | $51.8M | ||
| Q2 25 | $-5.3M | $51.8M | ||
| Q1 25 | $-2.9M | $45.6M | ||
| Q4 24 | $-2.5M | $50.3M | ||
| Q3 24 | $-535.0K | $47.0M | ||
| Q2 24 | $-482.0K | $51.1M | ||
| Q1 24 | $548.0K | $49.7M |
| Q4 25 | 32.1% | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 33.9% | — | ||
| Q1 25 | 36.1% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 42.1% | — | ||
| Q2 24 | 41.9% | — | ||
| Q1 24 | 42.9% | — |
| Q4 25 | -6.3% | 25.7% | ||
| Q3 25 | 0.5% | 33.0% | ||
| Q2 25 | -13.3% | 36.1% | ||
| Q1 25 | -6.0% | 33.3% | ||
| Q4 24 | -2.1% | 28.9% | ||
| Q3 24 | 1.1% | 35.4% | ||
| Q2 24 | 1.1% | 39.6% | ||
| Q1 24 | 4.0% | 38.9% |
| Q4 25 | -2.8% | 30.3% | ||
| Q3 25 | -0.5% | 27.8% | ||
| Q2 25 | -5.6% | 28.4% | ||
| Q1 25 | -3.2% | 25.5% | ||
| Q4 24 | -2.3% | 27.6% | ||
| Q3 24 | -0.5% | 26.9% | ||
| Q2 24 | -0.5% | 28.4% | ||
| Q1 24 | 0.6% | 28.5% |
| Q4 25 | $-0.02 | $1.27 | ||
| Q3 25 | $0.00 | $1.16 | ||
| Q2 25 | $-0.07 | $1.15 | ||
| Q1 25 | $-0.04 | $1.00 | ||
| Q4 24 | $-0.03 | $1.10 | ||
| Q3 24 | $-0.01 | $1.00 | ||
| Q2 24 | $-0.01 | $1.08 | ||
| Q1 24 | $0.01 | $1.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.3M | $1.0B |
| Total DebtLower is stronger | $34.7M | — |
| Stockholders' EquityBook value | $45.7M | $1.4B |
| Total Assets | $209.2M | $12.5B |
| Debt / EquityLower = less leverage | 0.76× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.3M | $1.0B | ||
| Q3 25 | $9.5M | $740.3M | ||
| Q2 25 | $4.3M | $851.8M | ||
| Q1 25 | $3.9M | $710.6M | ||
| Q4 24 | $6.8M | $591.1M | ||
| Q3 24 | $7.3M | $680.6M | ||
| Q2 24 | $9.6M | $740.4M | ||
| Q1 24 | $4.0M | $754.4M |
| Q4 25 | $34.7M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $72.7M | — | ||
| Q1 25 | $68.8M | — | ||
| Q4 24 | $65.1M | — | ||
| Q3 24 | $64.9M | — | ||
| Q2 24 | $66.5M | — | ||
| Q1 24 | $61.5M | — |
| Q4 25 | $45.7M | $1.4B | ||
| Q3 25 | $48.0M | $1.4B | ||
| Q2 25 | $10.1M | $1.3B | ||
| Q1 25 | $11.2M | $1.3B | ||
| Q4 24 | $13.2M | $1.3B | ||
| Q3 24 | $14.5M | $1.3B | ||
| Q2 24 | $14.9M | $1.2B | ||
| Q1 24 | $14.6M | $1.2B |
| Q4 25 | $209.2M | $12.5B | ||
| Q3 25 | $222.4M | $12.2B | ||
| Q2 25 | $225.3M | $12.2B | ||
| Q1 25 | $222.9M | $11.7B | ||
| Q4 24 | $227.4M | $11.5B | ||
| Q3 24 | $233.7M | $11.5B | ||
| Q2 24 | $229.9M | $11.3B | ||
| Q1 24 | $227.2M | $11.2B |
| Q4 25 | 0.76× | — | ||
| Q3 25 | 0.73× | — | ||
| Q2 25 | 7.19× | — | ||
| Q1 25 | 6.15× | — | ||
| Q4 24 | 4.94× | — | ||
| Q3 24 | 4.47× | — | ||
| Q2 24 | 4.46× | — | ||
| Q1 24 | 4.21× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-8.7M | $217.7M |
| Free Cash FlowOCF − Capex | $-9.4M | $199.3M |
| FCF MarginFCF / Revenue | -8.3% | 108.1% |
| Capex IntensityCapex / Revenue | 0.6% | 10.0% |
| Cash ConversionOCF / Net Profit | — | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $-13.5M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-8.7M | $217.7M | ||
| Q3 25 | $6.4M | $39.5M | ||
| Q2 25 | $-3.3M | $35.9M | ||
| Q1 25 | $-4.1M | $83.1M | ||
| Q4 24 | $2.2M | $252.5M | ||
| Q3 24 | $1.9M | $58.1M | ||
| Q2 24 | $2.3M | $95.1M | ||
| Q1 24 | $4.9M | $61.0M |
| Q4 25 | $-9.4M | $199.3M | ||
| Q3 25 | $5.6M | $35.5M | ||
| Q2 25 | $-4.3M | $31.8M | ||
| Q1 25 | $-5.3M | $78.7M | ||
| Q4 24 | $504.0K | $231.2M | ||
| Q3 24 | $-205.0K | $51.8M | ||
| Q2 24 | $147.0K | $90.4M | ||
| Q1 24 | $2.2M | $54.8M |
| Q4 25 | -8.3% | 108.1% | ||
| Q3 25 | 5.5% | 19.1% | ||
| Q2 25 | -4.5% | 17.4% | ||
| Q1 25 | -5.9% | 44.1% | ||
| Q4 24 | 0.5% | 126.5% | ||
| Q3 24 | -0.2% | 29.6% | ||
| Q2 24 | 0.2% | 50.3% | ||
| Q1 24 | 2.2% | 31.4% |
| Q4 25 | 0.6% | 10.0% | ||
| Q3 25 | 0.8% | 2.1% | ||
| Q2 25 | 1.0% | 2.3% | ||
| Q1 25 | 1.3% | 2.4% | ||
| Q4 24 | 1.6% | 11.7% | ||
| Q3 24 | 2.2% | 3.6% | ||
| Q2 24 | 2.4% | 2.6% | ||
| Q1 24 | 2.8% | 3.5% |
| Q4 25 | — | 3.90× | ||
| Q3 25 | — | 0.76× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | — | 5.02× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.86× | ||
| Q1 24 | 8.97× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BRCC
| Sales Channel Through Intermediary | $72.9M | 65% |
| Sales Channel Directly To Consumer | $34.4M | 31% |
| Outpost | $5.4M | 5% |
OFG
Segment breakdown not available.
