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Side-by-side financial comparison of OFG BANCORP (OFG) and OPKO HEALTH, INC. (OPK). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $148.5M, roughly 1.2× OPKO HEALTH, INC.). OFG BANCORP runs the higher net margin — 30.3% vs -21.1%, a 51.4% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -19.2%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-28.6M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -7.5%).
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....
OPKO Health, Inc. is a medical test and medication company focused on diagnostics and pharmaceuticals. The company is a publicly traded company on NASDAQ and TASE under the symbol "OPK".
OFG vs OPK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $148.5M |
| Net Profit | $55.9M | $-31.3M |
| Gross Margin | — | 43.1% |
| Operating Margin | 25.7% | -25.8% |
| Net Margin | 30.3% | -21.1% |
| Revenue YoY | 0.9% | -19.2% |
| Net Profit YoY | 11.0% | -322.8% |
| EPS (diluted) | $1.27 | $-0.04 |
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 | $184.3M | $148.5M | ||
| Q3 25 | $186.2M | $151.7M | ||
| Q2 25 | $182.4M | $156.8M | ||
| Q1 25 | $178.6M | $150.0M | ||
| Q4 24 | $182.7M | $183.6M | ||
| Q3 24 | $174.7M | $173.6M | ||
| Q2 24 | $179.8M | $182.2M | ||
| Q1 24 | $174.4M | $173.7M |
| Q4 25 | $55.9M | $-31.3M | ||
| Q3 25 | $51.8M | $21.6M | ||
| Q2 25 | $51.8M | $-148.4M | ||
| Q1 25 | $45.6M | $-67.6M | ||
| Q4 24 | $50.3M | $14.0M | ||
| Q3 24 | $47.0M | $24.9M | ||
| Q2 24 | $51.1M | $-10.3M | ||
| Q1 24 | $49.7M | $-81.8M |
| Q4 25 | — | 43.1% | ||
| Q3 25 | — | 32.9% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 46.1% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 28.4% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 25.7% | -25.8% | ||
| Q3 25 | 33.0% | 31.7% | ||
| Q2 25 | 36.1% | -38.3% | ||
| Q1 25 | 33.3% | -44.8% | ||
| Q4 24 | 28.9% | -18.0% | ||
| Q3 24 | 35.4% | 8.2% | ||
| Q2 24 | 39.6% | -33.9% | ||
| Q1 24 | 38.9% | -41.2% |
| Q4 25 | 30.3% | -21.1% | ||
| Q3 25 | 27.8% | 14.3% | ||
| Q2 25 | 28.4% | -94.7% | ||
| Q1 25 | 25.5% | -45.1% | ||
| Q4 24 | 27.6% | 7.6% | ||
| Q3 24 | 26.9% | 14.3% | ||
| Q2 24 | 28.4% | -5.7% | ||
| Q1 24 | 28.5% | -47.1% |
| Q4 25 | $1.27 | $-0.04 | ||
| Q3 25 | $1.16 | $0.03 | ||
| Q2 25 | $1.15 | $-0.19 | ||
| Q1 25 | $1.00 | $-0.10 | ||
| Q4 24 | $1.10 | $0.02 | ||
| Q3 24 | $1.00 | $0.03 | ||
| Q2 24 | $1.08 | $-0.01 | ||
| Q1 24 | $1.05 | $-0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.0B | $364.4M |
| Total DebtLower is stronger | — | $344.0M |
| Stockholders' EquityBook value | $1.4B | $1.3B |
| Total Assets | $12.5B | $1.9B |
| Debt / EquityLower = less leverage | — | 0.27× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $364.4M | ||
| Q3 25 | $740.3M | $412.0M | ||
| Q2 25 | $851.8M | $267.3M | ||
| Q1 25 | $710.6M | $428.8M | ||
| Q4 24 | $591.1M | $426.6M | ||
| Q3 24 | $680.6M | $400.1M | ||
| Q2 24 | $740.4M | $40.6M | ||
| Q1 24 | $754.4M | $75.6M |
| Q4 25 | — | $344.0M | ||
| Q3 25 | — | $344.2M | ||
| Q2 25 | — | $343.3M | ||
| Q1 25 | — | $439.2M | ||
| Q4 24 | — | $437.2M | ||
| Q3 24 | — | $441.0M | ||
| Q2 24 | — | $201.9M | ||
| Q1 24 | — | $350.1M |
| Q4 25 | $1.4B | $1.3B | ||
| Q3 25 | $1.4B | $1.3B | ||
| Q2 25 | $1.3B | $1.3B | ||
| Q1 25 | $1.3B | $1.3B | ||
| Q4 24 | $1.3B | $1.4B | ||
| Q3 24 | $1.3B | $1.4B | ||
| Q2 24 | $1.2B | $1.4B | ||
| Q1 24 | $1.2B | $1.3B |
| Q4 25 | $12.5B | $1.9B | ||
| Q3 25 | $12.2B | $2.0B | ||
| Q2 25 | $12.2B | $2.0B | ||
| Q1 25 | $11.7B | $2.1B | ||
| Q4 24 | $11.5B | $2.2B | ||
| Q3 24 | $11.5B | $2.3B | ||
| Q2 24 | $11.3B | $2.0B | ||
| Q1 24 | $11.2B | $2.0B |
| Q4 25 | — | 0.27× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.31× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.28× |
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 | $217.7M | $-25.9M |
| Free Cash FlowOCF − Capex | $199.3M | $-28.6M |
| FCF MarginFCF / Revenue | 108.1% | -19.3% |
| Capex IntensityCapex / Revenue | 10.0% | 1.8% |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $-190.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $-25.9M | ||
| Q3 25 | $39.5M | $-34.6M | ||
| Q2 25 | $35.9M | $-83.4M | ||
| Q1 25 | $83.1M | $-34.6M | ||
| Q4 24 | $252.5M | $-44.4M | ||
| Q3 24 | $58.1M | $-77.1M | ||
| Q2 24 | $95.1M | $-26.4M | ||
| Q1 24 | $61.0M | $-35.6M |
| Q4 25 | $199.3M | $-28.6M | ||
| Q3 25 | $35.5M | $-37.8M | ||
| Q2 25 | $31.8M | $-86.7M | ||
| Q1 25 | $78.7M | $-37.7M | ||
| Q4 24 | $231.2M | $-49.8M | ||
| Q3 24 | $51.8M | $-85.0M | ||
| Q2 24 | $90.4M | $-33.7M | ||
| Q1 24 | $54.8M | $-40.0M |
| Q4 25 | 108.1% | -19.3% | ||
| Q3 25 | 19.1% | -24.9% | ||
| Q2 25 | 17.4% | -55.3% | ||
| Q1 25 | 44.1% | -25.2% | ||
| Q4 24 | 126.5% | -27.1% | ||
| Q3 24 | 29.6% | -49.0% | ||
| Q2 24 | 50.3% | -18.5% | ||
| Q1 24 | 31.4% | -23.0% |
| Q4 25 | 10.0% | 1.8% | ||
| Q3 25 | 2.1% | 2.1% | ||
| Q2 25 | 2.3% | 2.1% | ||
| Q1 25 | 2.4% | 2.1% | ||
| Q4 24 | 11.7% | 2.9% | ||
| Q3 24 | 3.6% | 4.6% | ||
| Q2 24 | 2.6% | 4.0% | ||
| Q1 24 | 3.5% | 2.6% |
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | -1.60× | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | -3.17× | ||
| Q3 24 | 1.24× | -3.10× | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
OPK
| Services | $71.1M | 48% |
| Transfer Of Intellectual Property And Other | $33.7M | 23% |
| IE | $22.1M | 15% |
| Rayaldee | $8.8M | 6% |
| Barda Agreement | $6.8M | 5% |
| MX | $6.3M | 4% |
