vs
Side-by-side financial comparison of Dine Brands Global, Inc. (DIN) and OFG BANCORP (OFG). Click either name above to swap in a different company.
Dine Brands Global, Inc. is the larger business by last-quarter revenue ($217.6M vs $184.3M, roughly 1.2× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -5.6%, a 35.9% gap on every dollar of revenue. On growth, Dine Brands Global, Inc. posted the faster year-over-year revenue change (6.3% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-8.6M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs 2.7%).
Dine Brands Global Inc. is a publicly traded food and beverage company based in Pasadena, California. Founded in 1958 as IHOP, it operates franchised and corporate owned full-service restaurants including three restaurant concepts, Applebee's Neighborhood Grill & Bar, International House of Pancakes (IHOP), and Fuzzy's Taco Shop.
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....
DIN vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $217.6M | $184.3M |
| Net Profit | $-12.2M | $55.9M |
| Gross Margin | 42.4% | — |
| Operating Margin | -7.6% | 25.7% |
| Net Margin | -5.6% | 30.3% |
| Revenue YoY | 6.3% | 0.9% |
| Net Profit YoY | -336.1% | 11.0% |
| EPS (diluted) | $-0.79 | $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 | $217.6M | $184.3M | ||
| Q3 25 | $216.2M | $186.2M | ||
| Q2 25 | $230.8M | $182.4M | ||
| Q1 25 | $214.8M | $178.6M | ||
| Q4 24 | $204.8M | $182.7M | ||
| Q3 24 | $195.0M | $174.7M | ||
| Q2 24 | $206.3M | $179.8M | ||
| Q1 24 | $206.2M | $174.4M |
| Q4 25 | $-12.2M | $55.9M | ||
| Q3 25 | $7.3M | $51.8M | ||
| Q2 25 | $13.8M | $51.8M | ||
| Q1 25 | $8.2M | $45.6M | ||
| Q4 24 | $5.2M | $50.3M | ||
| Q3 24 | $19.1M | $47.0M | ||
| Q2 24 | $23.2M | $51.1M | ||
| Q1 24 | $17.5M | $49.7M |
| Q4 25 | 42.4% | — | ||
| Q3 25 | 39.1% | — | ||
| Q2 25 | 40.0% | — | ||
| Q1 25 | 42.0% | — | ||
| Q4 24 | 41.7% | — | ||
| Q3 24 | 47.8% | — | ||
| Q2 24 | 48.1% | — | ||
| Q1 24 | 47.2% | — |
| Q4 25 | -7.6% | 25.7% | ||
| Q3 25 | 4.7% | 33.0% | ||
| Q2 25 | 8.2% | 36.1% | ||
| Q1 25 | 6.0% | 33.3% | ||
| Q4 24 | 3.8% | 28.9% | ||
| Q3 24 | 13.6% | 35.4% | ||
| Q2 24 | 15.1% | 39.6% | ||
| Q1 24 | 11.7% | 38.9% |
| Q4 25 | -5.6% | 30.3% | ||
| Q3 25 | 3.4% | 27.8% | ||
| Q2 25 | 6.0% | 28.4% | ||
| Q1 25 | 3.8% | 25.5% | ||
| Q4 24 | 2.5% | 27.6% | ||
| Q3 24 | 9.8% | 26.9% | ||
| Q2 24 | 11.2% | 28.4% | ||
| Q1 24 | 8.5% | 28.5% |
| Q4 25 | $-0.79 | $1.27 | ||
| Q3 25 | $0.48 | $1.16 | ||
| Q2 25 | $0.89 | $1.15 | ||
| Q1 25 | $0.53 | $1.00 | ||
| Q4 24 | $0.35 | $1.10 | ||
| Q3 24 | $1.24 | $1.00 | ||
| Q2 24 | $1.50 | $1.08 | ||
| Q1 24 | $1.13 | $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 | $128.2M | $1.0B |
| Total DebtLower is stronger | $1.2B | — |
| Stockholders' EquityBook value | $-273.9M | $1.4B |
| Total Assets | $1.7B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $128.2M | $1.0B | ||
| Q3 25 | $167.9M | $740.3M | ||
| Q2 25 | $194.2M | $851.8M | ||
| Q1 25 | $186.5M | $710.6M | ||
| Q4 24 | $186.7M | $591.1M | ||
| Q3 24 | $169.6M | $680.6M | ||
| Q2 24 | $153.5M | $740.4M | ||
| Q1 24 | $145.0M | $754.4M |
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | $-273.9M | $1.4B | ||
| Q3 25 | $-231.9M | $1.4B | ||
| Q2 25 | $-212.5M | $1.3B | ||
| Q1 25 | $-215.7M | $1.3B | ||
| Q4 24 | $-216.0M | $1.3B | ||
| Q3 24 | $-216.7M | $1.3B | ||
| Q2 24 | $-231.7M | $1.2B | ||
| Q1 24 | $-244.8M | $1.2B |
| Q4 25 | $1.7B | $12.5B | ||
| Q3 25 | $1.8B | $12.2B | ||
| Q2 25 | $1.8B | $12.2B | ||
| Q1 25 | $1.8B | $11.7B | ||
| Q4 24 | $1.8B | $11.5B | ||
| Q3 24 | $1.7B | $11.5B | ||
| Q2 24 | $1.7B | $11.3B | ||
| Q1 24 | $1.7B | $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 | $5.7M | $217.7M |
| Free Cash FlowOCF − Capex | $-8.6M | $199.3M |
| FCF MarginFCF / Revenue | -3.9% | 108.1% |
| Capex IntensityCapex / Revenue | 6.6% | 10.0% |
| Cash ConversionOCF / Net Profit | — | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $53.4M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.7M | $217.7M | ||
| Q3 25 | $30.2M | $39.5M | ||
| Q2 25 | $37.0M | $35.9M | ||
| Q1 25 | $16.1M | $83.1M | ||
| Q4 24 | $30.5M | $252.5M | ||
| Q3 24 | $25.5M | $58.1M | ||
| Q2 24 | $21.6M | $95.1M | ||
| Q1 24 | $30.6M | $61.0M |
| Q4 25 | $-8.6M | $199.3M | ||
| Q3 25 | $18.1M | $35.5M | ||
| Q2 25 | $31.0M | $31.8M | ||
| Q1 25 | $12.8M | $78.7M | ||
| Q4 24 | $26.7M | $231.2M | ||
| Q3 24 | $22.0M | $51.8M | ||
| Q2 24 | $18.2M | $90.4M | ||
| Q1 24 | $27.2M | $54.8M |
| Q4 25 | -3.9% | 108.1% | ||
| Q3 25 | 8.4% | 19.1% | ||
| Q2 25 | 13.4% | 17.4% | ||
| Q1 25 | 6.0% | 44.1% | ||
| Q4 24 | 13.0% | 126.5% | ||
| Q3 24 | 11.3% | 29.6% | ||
| Q2 24 | 8.8% | 50.3% | ||
| Q1 24 | 13.2% | 31.4% |
| Q4 25 | 6.6% | 10.0% | ||
| Q3 25 | 5.6% | 2.1% | ||
| Q2 25 | 2.6% | 2.3% | ||
| Q1 25 | 1.5% | 2.4% | ||
| Q4 24 | 1.9% | 11.7% | ||
| Q3 24 | 1.8% | 3.6% | ||
| Q2 24 | 1.7% | 2.6% | ||
| Q1 24 | 1.6% | 3.5% |
| Q4 25 | — | 3.90× | ||
| Q3 25 | 4.12× | 0.76× | ||
| Q2 25 | 2.68× | 0.69× | ||
| Q1 25 | 1.97× | 1.82× | ||
| Q4 24 | 5.88× | 5.02× | ||
| Q3 24 | 1.34× | 1.24× | ||
| Q2 24 | 0.93× | 1.86× | ||
| Q1 24 | 1.75× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DIN
| Franchisor | $163.2M | 75% |
| Food And Beverage | $27.3M | 13% |
| Proprietary Product Sales And Other | $17.0M | 8% |
| Other | $8.1M | 4% |
| Franchise And Development Fees | $2.0M | 1% |
OFG
Segment breakdown not available.
