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Side-by-side financial comparison of Lovesac Co (LOVE) 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 $150.2M, roughly 1.2× Lovesac Co). OFG BANCORP runs the higher net margin — 30.3% vs -7.0%, a 37.3% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs 0.2%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-10.2M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -22.6%).
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
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....
LOVE vs OFG — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.2M | $184.3M |
| Net Profit | $-10.6M | $55.9M |
| Gross Margin | 56.1% | — |
| Operating Margin | -10.5% | 25.7% |
| Net Margin | -7.0% | 30.3% |
| Revenue YoY | 0.2% | 0.9% |
| Net Profit YoY | -114.0% | 11.0% |
| EPS (diluted) | $-0.72 | $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 | $150.2M | $184.3M | ||
| Q3 25 | $160.5M | $186.2M | ||
| Q2 25 | $138.4M | $182.4M | ||
| Q1 25 | $241.5M | $178.6M | ||
| Q4 24 | $149.9M | $182.7M | ||
| Q3 24 | $156.6M | $174.7M | ||
| Q2 24 | $132.6M | $179.8M | ||
| Q1 24 | $250.5M | $174.4M |
| Q4 25 | $-10.6M | $55.9M | ||
| Q3 25 | $-6.7M | $51.8M | ||
| Q2 25 | $-10.8M | $51.8M | ||
| Q1 25 | $35.3M | $45.6M | ||
| Q4 24 | $-4.9M | $50.3M | ||
| Q3 24 | $-5.9M | $47.0M | ||
| Q2 24 | $-13.0M | $51.1M | ||
| Q1 24 | $31.0M | $49.7M |
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.4% | — | ||
| Q2 25 | 53.7% | — | ||
| Q1 25 | 60.4% | — | ||
| Q4 24 | 58.5% | — | ||
| Q3 24 | 59.0% | — | ||
| Q2 24 | 54.3% | — | ||
| Q1 24 | 59.7% | — |
| Q4 25 | -10.5% | 25.7% | ||
| Q3 25 | -5.5% | 33.0% | ||
| Q2 25 | -10.8% | 36.1% | ||
| Q1 25 | 19.7% | 33.3% | ||
| Q4 24 | -5.2% | 28.9% | ||
| Q3 24 | -5.3% | 35.4% | ||
| Q2 24 | -13.5% | 39.6% | ||
| Q1 24 | 16.1% | 38.9% |
| Q4 25 | -7.0% | 30.3% | ||
| Q3 25 | -4.1% | 27.8% | ||
| Q2 25 | -7.8% | 28.4% | ||
| Q1 25 | 14.6% | 25.5% | ||
| Q4 24 | -3.3% | 27.6% | ||
| Q3 24 | -3.7% | 26.9% | ||
| Q2 24 | -9.8% | 28.4% | ||
| Q1 24 | 12.4% | 28.5% |
| Q4 25 | $-0.72 | $1.27 | ||
| Q3 25 | $-0.45 | $1.16 | ||
| Q2 25 | $-0.73 | $1.15 | ||
| Q1 25 | $2.22 | $1.00 | ||
| Q4 24 | $-0.32 | $1.10 | ||
| Q3 24 | $-0.38 | $1.00 | ||
| Q2 24 | $-0.83 | $1.08 | ||
| Q1 24 | $1.91 | $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 | $23.7M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $189.3M | $1.4B |
| Total Assets | $495.5M | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.7M | $1.0B | ||
| Q3 25 | $34.2M | $740.3M | ||
| Q2 25 | $26.9M | $851.8M | ||
| Q1 25 | $83.7M | $710.6M | ||
| Q4 24 | $61.7M | $591.1M | ||
| Q3 24 | $72.1M | $680.6M | ||
| Q2 24 | $72.4M | $740.4M | ||
| Q1 24 | $87.0M | $754.4M |
| Q4 25 | $189.3M | $1.4B | ||
| Q3 25 | $197.5M | $1.4B | ||
| Q2 25 | $201.2M | $1.3B | ||
| Q1 25 | $216.4M | $1.3B | ||
| Q4 24 | $196.5M | $1.3B | ||
| Q3 24 | $202.1M | $1.3B | ||
| Q2 24 | $205.3M | $1.2B | ||
| Q1 24 | $217.5M | $1.2B |
| Q4 25 | $495.5M | $12.5B | ||
| Q3 25 | $493.7M | $12.2B | ||
| Q2 25 | $483.7M | $12.2B | ||
| Q1 25 | $532.3M | $11.7B | ||
| Q4 24 | $499.7M | $11.5B | ||
| Q3 24 | $481.1M | $11.5B | ||
| Q2 24 | $477.2M | $11.3B | ||
| Q1 24 | $482.2M | $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 | $-4.9M | $217.7M |
| Free Cash FlowOCF − Capex | $-10.2M | $199.3M |
| FCF MarginFCF / Revenue | -6.8% | 108.1% |
| Capex IntensityCapex / Revenue | 3.5% | 10.0% |
| Cash ConversionOCF / Net Profit | — | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $-13.6M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.9M | $217.7M | ||
| Q3 25 | $12.2M | $39.5M | ||
| Q2 25 | $-41.4M | $35.9M | ||
| Q1 25 | $44.0M | $83.1M | ||
| Q4 24 | $-4.2M | $252.5M | ||
| Q3 24 | $6.2M | $58.1M | ||
| Q2 24 | $-7.0M | $95.1M | ||
| Q1 24 | $56.3M | $61.0M |
| Q4 25 | $-10.2M | $199.3M | ||
| Q3 25 | $7.8M | $35.5M | ||
| Q2 25 | $-50.0M | $31.8M | ||
| Q1 25 | $38.7M | $78.7M | ||
| Q4 24 | $-6.6M | $231.2M | ||
| Q3 24 | $119.0K | $51.8M | ||
| Q2 24 | $-14.3M | $90.4M | ||
| Q1 24 | $49.5M | $54.8M |
| Q4 25 | -6.8% | 108.1% | ||
| Q3 25 | 4.9% | 19.1% | ||
| Q2 25 | -36.1% | 17.4% | ||
| Q1 25 | 16.0% | 44.1% | ||
| Q4 24 | -4.4% | 126.5% | ||
| Q3 24 | 0.1% | 29.6% | ||
| Q2 24 | -10.8% | 50.3% | ||
| Q1 24 | 19.8% | 31.4% |
| Q4 25 | 3.5% | 10.0% | ||
| Q3 25 | 2.7% | 2.1% | ||
| Q2 25 | 6.2% | 2.3% | ||
| Q1 25 | 2.2% | 2.4% | ||
| Q4 24 | 1.6% | 11.7% | ||
| Q3 24 | 3.9% | 3.6% | ||
| Q2 24 | 5.5% | 2.6% | ||
| Q1 24 | 2.7% | 3.5% |
| Q4 25 | — | 3.90× | ||
| Q3 25 | — | 0.76× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | 1.25× | 1.82× | ||
| Q4 24 | — | 5.02× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.86× | ||
| Q1 24 | 1.82× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
OFG
Segment breakdown not available.
