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Side-by-side financial comparison of OFG BANCORP (OFG) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $184.3M, roughly 1.3× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 5.0%, a 25.3% gap on every dollar of revenue. On growth, ONESPAWORLD HOLDINGS Ltd posted the faster year-over-year revenue change (11.5% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $14.9M). Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% CAGR vs 2.8%).
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....
OFG vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $242.1M |
| Net Profit | $55.9M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | 6.8% |
| Net Margin | 30.3% | 5.0% |
| Revenue YoY | 0.9% | 11.5% |
| Net Profit YoY | 11.0% | -16.2% |
| EPS (diluted) | $1.27 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $186.2M | $258.5M | ||
| Q2 25 | $182.4M | $240.7M | ||
| Q1 25 | $178.6M | $219.6M | ||
| Q4 24 | $182.7M | $217.2M | ||
| Q3 24 | $174.7M | $241.7M | ||
| Q2 24 | $179.8M | $224.9M | ||
| Q1 24 | $174.4M | $211.2M |
| Q4 25 | $55.9M | $12.1M | ||
| Q3 25 | $51.8M | $24.3M | ||
| Q2 25 | $51.8M | $19.9M | ||
| Q1 25 | $45.6M | $15.3M | ||
| Q4 24 | $50.3M | $14.4M | ||
| Q3 24 | $47.0M | $21.6M | ||
| Q2 24 | $51.1M | $15.8M | ||
| Q1 24 | $49.7M | $21.2M |
| Q4 25 | 25.7% | 6.8% | ||
| Q3 25 | 33.0% | 10.2% | ||
| Q2 25 | 36.1% | 9.2% | ||
| Q1 25 | 33.3% | 7.7% | ||
| Q4 24 | 28.9% | 7.9% | ||
| Q3 24 | 35.4% | 10.3% | ||
| Q2 24 | 39.6% | 8.4% | ||
| Q1 24 | 38.9% | 8.0% |
| Q4 25 | 30.3% | 5.0% | ||
| Q3 25 | 27.8% | 9.4% | ||
| Q2 25 | 28.4% | 8.3% | ||
| Q1 25 | 25.5% | 7.0% | ||
| Q4 24 | 27.6% | 6.6% | ||
| Q3 24 | 26.9% | 8.9% | ||
| Q2 24 | 28.4% | 7.0% | ||
| Q1 24 | 28.5% | 10.0% |
| Q4 25 | $1.27 | $0.12 | ||
| Q3 25 | $1.16 | $0.23 | ||
| Q2 25 | $1.15 | $0.19 | ||
| Q1 25 | $1.00 | $0.15 | ||
| Q4 24 | $1.10 | $0.13 | ||
| Q3 24 | $1.00 | $0.20 | ||
| Q2 24 | $1.08 | $0.15 | ||
| Q1 24 | $1.05 | $0.21 |
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 | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $1.4B | $542.6M |
| Total Assets | $12.5B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $16.3M | ||
| Q3 25 | $740.3M | $29.6M | ||
| Q2 25 | $851.8M | $35.0M | ||
| Q1 25 | $710.6M | $22.6M | ||
| Q4 24 | $591.1M | $57.4M | ||
| Q3 24 | $680.6M | $48.8M | ||
| Q2 24 | $740.4M | $62.5M | ||
| Q1 24 | $754.4M | $65.4M |
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
| Q4 25 | $1.4B | $542.6M | ||
| Q3 25 | $1.4B | $552.8M | ||
| Q2 25 | $1.3B | $548.3M | ||
| Q1 25 | $1.3B | $530.6M | ||
| Q4 24 | $1.3B | $554.5M | ||
| Q3 24 | $1.3B | $540.1M | ||
| Q2 24 | $1.2B | $532.7M | ||
| Q1 24 | $1.2B | $515.5M |
| Q4 25 | $12.5B | $707.1M | ||
| Q3 25 | $12.2B | $732.6M | ||
| Q2 25 | $12.2B | $731.8M | ||
| Q1 25 | $11.7B | $708.7M | ||
| Q4 24 | $11.5B | $746.4M | ||
| Q3 24 | $11.5B | $734.0M | ||
| Q2 24 | $11.3B | $756.8M | ||
| Q1 24 | $11.2B | $763.6M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $20.0M |
| Free Cash FlowOCF − Capex | $199.3M | $14.9M |
| FCF MarginFCF / Revenue | 108.1% | 6.2% |
| Capex IntensityCapex / Revenue | 10.0% | 2.1% |
| Cash ConversionOCF / Net Profit | 3.90× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $20.0M | ||
| Q3 25 | $39.5M | $33.2M | ||
| Q2 25 | $35.9M | $20.3M | ||
| Q1 25 | $83.1M | $10.1M | ||
| Q4 24 | $252.5M | $16.6M | ||
| Q3 24 | $58.1M | $28.6M | ||
| Q2 24 | $95.1M | $18.7M | ||
| Q1 24 | $61.0M | $15.0M |
| Q4 25 | $199.3M | $14.9M | ||
| Q3 25 | $35.5M | $27.6M | ||
| Q2 25 | $31.8M | $17.6M | ||
| Q1 25 | $78.7M | $8.4M | ||
| Q4 24 | $231.2M | $13.2M | ||
| Q3 24 | $51.8M | $27.5M | ||
| Q2 24 | $90.4M | $17.6M | ||
| Q1 24 | $54.8M | $13.7M |
| Q4 25 | 108.1% | 6.2% | ||
| Q3 25 | 19.1% | 10.7% | ||
| Q2 25 | 17.4% | 7.3% | ||
| Q1 25 | 44.1% | 3.8% | ||
| Q4 24 | 126.5% | 6.1% | ||
| Q3 24 | 29.6% | 11.4% | ||
| Q2 24 | 50.3% | 7.8% | ||
| Q1 24 | 31.4% | 6.5% |
| Q4 25 | 10.0% | 2.1% | ||
| Q3 25 | 2.1% | 2.2% | ||
| Q2 25 | 2.3% | 1.1% | ||
| Q1 25 | 2.4% | 0.8% | ||
| Q4 24 | 11.7% | 1.5% | ||
| Q3 24 | 3.6% | 0.5% | ||
| Q2 24 | 2.6% | 0.5% | ||
| Q1 24 | 3.5% | 0.6% |
| Q4 25 | 3.90× | 1.65× | ||
| Q3 25 | 0.76× | 1.36× | ||
| Q2 25 | 0.69× | 1.02× | ||
| Q1 25 | 1.82× | 0.66× | ||
| Q4 24 | 5.02× | 1.15× | ||
| Q3 24 | 1.24× | 1.33× | ||
| Q2 24 | 1.86× | 1.19× | ||
| Q1 24 | 1.23× | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
