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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) 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 $105.5M, roughly 1.7× CARRIAGE SERVICES INC). OFG BANCORP runs the higher net margin — 30.3% vs 11.6%, a 18.7% gap on every dollar of revenue. On growth, CARRIAGE SERVICES INC posted the faster year-over-year revenue change (8.0% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $6.2M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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....
CSV vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $184.3M |
| Net Profit | $12.3M | $55.9M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 25.7% |
| Net Margin | 11.6% | 30.3% |
| Revenue YoY | 8.0% | 0.9% |
| Net Profit YoY | 24.5% | 11.0% |
| EPS (diluted) | $0.76 | $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 | $105.5M | $184.3M | ||
| Q3 25 | $102.7M | $186.2M | ||
| Q2 25 | $102.1M | $182.4M | ||
| Q1 25 | $107.1M | $178.6M | ||
| Q4 24 | $97.7M | $182.7M | ||
| Q3 24 | $100.7M | $174.7M | ||
| Q2 24 | $102.3M | $179.8M | ||
| Q1 24 | $103.5M | $174.4M |
| Q4 25 | $12.3M | $55.9M | ||
| Q3 25 | $6.6M | $51.8M | ||
| Q2 25 | $11.7M | $51.8M | ||
| Q1 25 | $20.9M | $45.6M | ||
| Q4 24 | $9.9M | $50.3M | ||
| Q3 24 | $9.9M | $47.0M | ||
| Q2 24 | $6.3M | $51.1M | ||
| Q1 24 | $7.0M | $49.7M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 25.7% | ||
| Q3 25 | 17.0% | 33.0% | ||
| Q2 25 | 23.5% | 36.1% | ||
| Q1 25 | 29.5% | 33.3% | ||
| Q4 24 | 21.6% | 28.9% | ||
| Q3 24 | 22.7% | 35.4% | ||
| Q2 24 | 18.0% | 39.6% | ||
| Q1 24 | 18.8% | 38.9% |
| Q4 25 | 11.6% | 30.3% | ||
| Q3 25 | 6.4% | 27.8% | ||
| Q2 25 | 11.5% | 28.4% | ||
| Q1 25 | 19.5% | 25.5% | ||
| Q4 24 | 10.1% | 27.6% | ||
| Q3 24 | 9.8% | 26.9% | ||
| Q2 24 | 6.1% | 28.4% | ||
| Q1 24 | 6.7% | 28.5% |
| Q4 25 | $0.76 | $1.27 | ||
| Q3 25 | $0.41 | $1.16 | ||
| Q2 25 | $0.74 | $1.15 | ||
| Q1 25 | $1.34 | $1.00 | ||
| Q4 24 | $0.62 | $1.10 | ||
| Q3 24 | $0.63 | $1.00 | ||
| Q2 24 | $0.40 | $1.08 | ||
| Q1 24 | $0.45 | $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 | $1.7M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $1.4B |
| Total Assets | $1.3B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $1.0B | ||
| Q3 25 | $1.2M | $740.3M | ||
| Q2 25 | $1.4M | $851.8M | ||
| Q1 25 | $4.6M | $710.6M | ||
| Q4 24 | $1.2M | $591.1M | ||
| Q3 24 | $1.3M | $680.6M | ||
| Q2 24 | $1.5M | $740.4M | ||
| Q1 24 | $1.7M | $754.4M |
| Q4 25 | $254.8M | $1.4B | ||
| Q3 25 | $242.1M | $1.4B | ||
| Q2 25 | $235.4M | $1.3B | ||
| Q1 25 | $223.1M | $1.3B | ||
| Q4 24 | $208.6M | $1.3B | ||
| Q3 24 | $198.1M | $1.3B | ||
| Q2 24 | $187.9M | $1.2B | ||
| Q1 24 | $179.6M | $1.2B |
| Q4 25 | $1.3B | $12.5B | ||
| Q3 25 | $1.3B | $12.2B | ||
| Q2 25 | $1.3B | $12.2B | ||
| Q1 25 | $1.3B | $11.7B | ||
| Q4 24 | $1.3B | $11.5B | ||
| Q3 24 | $1.3B | $11.5B | ||
| Q2 24 | $1.3B | $11.3B | ||
| Q1 24 | $1.3B | $11.2B |
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 | $14.1M | $217.7M |
| Free Cash FlowOCF − Capex | $6.2M | $199.3M |
| FCF MarginFCF / Revenue | 5.9% | 108.1% |
| Capex IntensityCapex / Revenue | 7.5% | 10.0% |
| Cash ConversionOCF / Net Profit | 1.15× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $217.7M | ||
| Q3 25 | $24.7M | $39.5M | ||
| Q2 25 | $8.1M | $35.9M | ||
| Q1 25 | $13.8M | $83.1M | ||
| Q4 24 | $9.3M | $252.5M | ||
| Q3 24 | $20.9M | $58.1M | ||
| Q2 24 | $2.2M | $95.1M | ||
| Q1 24 | $19.7M | $61.0M |
| Q4 25 | $6.2M | $199.3M | ||
| Q3 25 | $18.0M | $35.5M | ||
| Q2 25 | $5.2M | $31.8M | ||
| Q1 25 | $10.6M | $78.7M | ||
| Q4 24 | $4.9M | $231.2M | ||
| Q3 24 | $16.2M | $51.8M | ||
| Q2 24 | $-1.4M | $90.4M | ||
| Q1 24 | $16.2M | $54.8M |
| Q4 25 | 5.9% | 108.1% | ||
| Q3 25 | 17.5% | 19.1% | ||
| Q2 25 | 5.1% | 17.4% | ||
| Q1 25 | 9.9% | 44.1% | ||
| Q4 24 | 5.0% | 126.5% | ||
| Q3 24 | 16.1% | 29.6% | ||
| Q2 24 | -1.4% | 50.3% | ||
| Q1 24 | 15.6% | 31.4% |
| Q4 25 | 7.5% | 10.0% | ||
| Q3 25 | 6.5% | 2.1% | ||
| Q2 25 | 2.8% | 2.3% | ||
| Q1 25 | 3.0% | 2.4% | ||
| Q4 24 | 4.5% | 11.7% | ||
| Q3 24 | 4.6% | 3.6% | ||
| Q2 24 | 3.5% | 2.6% | ||
| Q1 24 | 3.4% | 3.5% |
| Q4 25 | 1.15× | 3.90× | ||
| Q3 25 | 3.76× | 0.76× | ||
| Q2 25 | 0.69× | 0.69× | ||
| Q1 25 | 0.66× | 1.82× | ||
| Q4 24 | 0.94× | 5.02× | ||
| Q3 24 | 2.11× | 1.24× | ||
| Q2 24 | 0.34× | 1.86× | ||
| Q1 24 | 2.83× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
OFG
Segment breakdown not available.
