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Side-by-side financial comparison of Claritev Corp (CTEV) and OFG BANCORP (OFG). Click either name above to swap in a different company.
Claritev Corp is the larger business by last-quarter revenue ($246.6M vs $184.3M, roughly 1.3× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -32.7%, a 63.0% gap on every dollar of revenue. On growth, Claritev Corp posted the faster year-over-year revenue change (6.2% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $36.4M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs 2.5%).
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....
CTEV vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.6M | $184.3M |
| Net Profit | $-80.6M | $55.9M |
| Gross Margin | — | — |
| Operating Margin | -3.1% | 25.7% |
| Net Margin | -32.7% | 30.3% |
| Revenue YoY | 6.2% | 0.9% |
| Net Profit YoY | 41.6% | 11.0% |
| EPS (diluted) | $-4.88 | $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 | $246.6M | $184.3M | ||
| Q3 25 | $246.0M | $186.2M | ||
| Q2 25 | $241.6M | $182.4M | ||
| Q1 25 | $231.3M | $178.6M | ||
| Q4 24 | $232.1M | $182.7M | ||
| Q3 24 | $230.5M | $174.7M | ||
| Q2 24 | $233.5M | $179.8M | ||
| Q1 24 | $234.5M | $174.4M |
| Q4 25 | $-80.6M | $55.9M | ||
| Q3 25 | $-69.8M | $51.8M | ||
| Q2 25 | $-62.6M | $51.8M | ||
| Q1 25 | $-71.3M | $45.6M | ||
| Q4 24 | $-138.0M | $50.3M | ||
| Q3 24 | $-391.4M | $47.0M | ||
| Q2 24 | $-576.7M | $51.1M | ||
| Q1 24 | $-539.7M | $49.7M |
| Q4 25 | -3.1% | 25.7% | ||
| Q3 25 | 4.1% | 33.0% | ||
| Q2 25 | 6.9% | 36.1% | ||
| Q1 25 | 4.2% | 33.3% | ||
| Q4 24 | -17.8% | 28.9% | ||
| Q3 24 | -146.7% | 35.4% | ||
| Q2 24 | -224.4% | 39.6% | ||
| Q1 24 | -207.4% | 38.9% |
| Q4 25 | -32.7% | 30.3% | ||
| Q3 25 | -28.4% | 27.8% | ||
| Q2 25 | -25.9% | 28.4% | ||
| Q1 25 | -30.8% | 25.5% | ||
| Q4 24 | -59.4% | 27.6% | ||
| Q3 24 | -169.8% | 26.9% | ||
| Q2 24 | -247.0% | 28.4% | ||
| Q1 24 | -230.1% | 28.5% |
| Q4 25 | $-4.88 | $1.27 | ||
| Q3 25 | $-4.23 | $1.16 | ||
| Q2 25 | $-3.81 | $1.15 | ||
| Q1 25 | $-4.38 | $1.00 | ||
| Q4 24 | $-8.49 | $1.10 | ||
| Q3 24 | $-24.25 | $1.00 | ||
| Q2 24 | $-35.78 | $1.08 | ||
| Q1 24 | $-33.40 | $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 | $16.8M | $1.0B |
| Total DebtLower is stronger | $4.6B | — |
| Stockholders' EquityBook value | $-173.9M | $1.4B |
| Total Assets | $4.9B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.8M | $1.0B | ||
| Q3 25 | $39.2M | $740.3M | ||
| Q2 25 | $56.4M | $851.8M | ||
| Q1 25 | $23.1M | $710.6M | ||
| Q4 24 | $16.8M | $591.1M | ||
| Q3 24 | $86.6M | $680.6M | ||
| Q2 24 | $48.8M | $740.4M | ||
| Q1 24 | $58.7M | $754.4M |
| Q4 25 | $4.6B | — | ||
| Q3 25 | $4.5B | — | ||
| Q2 25 | $4.5B | — | ||
| Q1 25 | $4.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.5B | — | ||
| Q2 24 | $4.5B | — | ||
| Q1 24 | $4.5B | — |
| Q4 25 | $-173.9M | $1.4B | ||
| Q3 25 | $-101.8M | $1.4B | ||
| Q2 25 | $-39.9M | $1.3B | ||
| Q1 25 | $14.8M | $1.3B | ||
| Q4 24 | $84.0M | $1.3B | ||
| Q3 24 | $207.6M | $1.3B | ||
| Q2 24 | $603.4M | $1.2B | ||
| Q1 24 | $1.2B | $1.2B |
| Q4 25 | $4.9B | $12.5B | ||
| Q3 25 | $5.0B | $12.2B | ||
| Q2 25 | $5.1B | $12.2B | ||
| Q1 25 | $5.1B | $11.7B | ||
| Q4 24 | $5.2B | $11.5B | ||
| Q3 24 | $5.3B | $11.5B | ||
| Q2 24 | $5.7B | $11.3B | ||
| Q1 24 | $6.4B | $11.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 304.87× | — | ||
| Q4 24 | 53.67× | — | ||
| Q3 24 | 21.73× | — | ||
| Q2 24 | 7.48× | — | ||
| Q1 24 | 3.85× | — |
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 | $66.3M | $217.7M |
| Free Cash FlowOCF − Capex | $36.4M | $199.3M |
| FCF MarginFCF / Revenue | 14.8% | 108.1% |
| Capex IntensityCapex / Revenue | 12.1% | 10.0% |
| Cash ConversionOCF / Net Profit | — | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $-12.3M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $66.3M | $217.7M | ||
| Q3 25 | $19.9M | $39.5M | ||
| Q2 25 | $61.2M | $35.9M | ||
| Q1 25 | $-30.1M | $83.1M | ||
| Q4 24 | $-33.4M | $252.5M | ||
| Q3 24 | $72.8M | $58.1M | ||
| Q2 24 | $18.5M | $95.1M | ||
| Q1 24 | $49.7M | $61.0M |
| Q4 25 | $36.4M | $199.3M | ||
| Q3 25 | $-16.3M | $35.5M | ||
| Q2 25 | $36.6M | $31.8M | ||
| Q1 25 | $-68.9M | $78.7M | ||
| Q4 24 | $-63.8M | $231.2M | ||
| Q3 24 | $41.1M | $51.8M | ||
| Q2 24 | $-7.0M | $90.4M | ||
| Q1 24 | $19.2M | $54.8M |
| Q4 25 | 14.8% | 108.1% | ||
| Q3 25 | -6.6% | 19.1% | ||
| Q2 25 | 15.2% | 17.4% | ||
| Q1 25 | -29.8% | 44.1% | ||
| Q4 24 | -27.5% | 126.5% | ||
| Q3 24 | 17.8% | 29.6% | ||
| Q2 24 | -3.0% | 50.3% | ||
| Q1 24 | 8.2% | 31.4% |
| Q4 25 | 12.1% | 10.0% | ||
| Q3 25 | 14.7% | 2.1% | ||
| Q2 25 | 10.2% | 2.3% | ||
| Q1 25 | 16.8% | 2.4% | ||
| Q4 24 | 13.1% | 11.7% | ||
| Q3 24 | 13.8% | 3.6% | ||
| Q2 24 | 10.9% | 2.6% | ||
| Q1 24 | 13.0% | 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 | — | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
