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Side-by-side financial comparison of OFG BANCORP (OFG) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $184.3M, roughly 1.8× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 6.3%, a 24.1% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $45.0M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% 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....
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
OFG vs PAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $330.5M |
| Net Profit | $55.9M | $20.7M |
| Gross Margin | — | 25.4% |
| Operating Margin | 25.7% | 7.3% |
| Net Margin | 30.3% | 6.3% |
| Revenue YoY | 0.9% | 28.1% |
| Net Profit YoY | 11.0% | 57.2% |
| EPS (diluted) | $1.27 | $0.16 |
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 | $330.5M | ||
| Q3 25 | $186.2M | $310.7M | ||
| Q2 25 | $182.4M | $280.1M | ||
| Q1 25 | $178.6M | $275.2M | ||
| Q4 24 | $182.7M | $257.9M | ||
| Q3 24 | $174.7M | $231.6M | ||
| Q2 24 | $179.8M | $197.4M | ||
| Q1 24 | $174.4M | $184.9M |
| Q4 25 | $55.9M | $20.7M | ||
| Q3 25 | $51.8M | $17.7M | ||
| Q2 25 | $51.8M | $14.7M | ||
| Q1 25 | $45.6M | $13.8M | ||
| Q4 24 | $50.3M | $13.1M | ||
| Q3 24 | $47.0M | $14.4M | ||
| Q2 24 | $51.1M | $9.4M | ||
| Q1 24 | $49.7M | $7.2M |
| Q4 25 | — | 25.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 24.0% | ||
| Q4 24 | — | 25.6% | ||
| Q3 24 | — | 26.2% | ||
| Q2 24 | — | 29.8% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | 25.7% | 7.3% | ||
| Q3 25 | 33.0% | 6.4% | ||
| Q2 25 | 36.1% | 5.7% | ||
| Q1 25 | 33.3% | 5.7% | ||
| Q4 24 | 28.9% | 5.5% | ||
| Q3 24 | 35.4% | 5.2% | ||
| Q2 24 | 39.6% | 5.2% | ||
| Q1 24 | 38.9% | 4.5% |
| Q4 25 | 30.3% | 6.3% | ||
| Q3 25 | 27.8% | 5.7% | ||
| Q2 25 | 28.4% | 5.3% | ||
| Q1 25 | 25.5% | 5.0% | ||
| Q4 24 | 27.6% | 5.1% | ||
| Q3 24 | 26.9% | 6.2% | ||
| Q2 24 | 28.4% | 4.7% | ||
| Q1 24 | 28.5% | 3.9% |
| Q4 25 | $1.27 | $0.16 | ||
| Q3 25 | $1.16 | $0.14 | ||
| Q2 25 | $1.15 | $0.11 | ||
| Q1 25 | $1.00 | $0.11 | ||
| Q4 24 | $1.10 | $0.11 | ||
| Q3 24 | $1.00 | $0.11 | ||
| Q2 24 | $1.08 | $0.07 | ||
| Q1 24 | $1.05 | $0.06 |
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 | $320.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $560.4M |
| Total Assets | $12.5B | $667.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $320.9M | ||
| Q3 25 | $740.3M | $287.9M | ||
| Q2 25 | $851.8M | $266.4M | ||
| Q1 25 | $710.6M | $245.8M | ||
| Q4 24 | $591.1M | $205.9M | ||
| Q3 24 | $680.6M | $187.5M | ||
| Q2 24 | $740.4M | $188.8M | ||
| Q1 24 | $754.4M | $180.1M |
| Q4 25 | $1.4B | $560.4M | ||
| Q3 25 | $1.4B | $537.4M | ||
| Q2 25 | $1.3B | $516.7M | ||
| Q1 25 | $1.3B | $500.4M | ||
| Q4 24 | $1.3B | $485.6M | ||
| Q3 24 | $1.3B | $468.8M | ||
| Q2 24 | $1.2B | $451.6M | ||
| Q1 24 | $1.2B | $439.4M |
| Q4 25 | $12.5B | $667.9M | ||
| Q3 25 | $12.2B | $644.4M | ||
| Q2 25 | $12.2B | $609.5M | ||
| Q1 25 | $11.7B | $590.9M | ||
| Q4 24 | $11.5B | $576.2M | ||
| Q3 24 | $11.5B | $552.9M | ||
| Q2 24 | $11.3B | $527.7M | ||
| Q1 24 | $11.2B | $514.0M |
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 | $45.1M |
| Free Cash FlowOCF − Capex | $199.3M | $45.0M |
| FCF MarginFCF / Revenue | 108.1% | 13.6% |
| Capex IntensityCapex / Revenue | 10.0% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.90× | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $45.1M | ||
| Q3 25 | $39.5M | $35.1M | ||
| Q2 25 | $35.9M | $31.5M | ||
| Q1 25 | $83.1M | $50.4M | ||
| Q4 24 | $252.5M | $27.9M | ||
| Q3 24 | $58.1M | $6.7M | ||
| Q2 24 | $95.1M | $18.0M | ||
| Q1 24 | $61.0M | $11.0M |
| Q4 25 | $199.3M | $45.0M | ||
| Q3 25 | $35.5M | $35.0M | ||
| Q2 25 | $31.8M | $31.4M | ||
| Q1 25 | $78.7M | $50.4M | ||
| Q4 24 | $231.2M | $27.8M | ||
| Q3 24 | $51.8M | $6.7M | ||
| Q2 24 | $90.4M | $17.8M | ||
| Q1 24 | $54.8M | $10.8M |
| Q4 25 | 108.1% | 13.6% | ||
| Q3 25 | 19.1% | 11.3% | ||
| Q2 25 | 17.4% | 11.2% | ||
| Q1 25 | 44.1% | 18.3% | ||
| Q4 24 | 126.5% | 10.8% | ||
| Q3 24 | 29.6% | 2.9% | ||
| Q2 24 | 50.3% | 9.0% | ||
| Q1 24 | 31.4% | 5.9% |
| Q4 25 | 10.0% | 0.0% | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 2.3% | 0.0% | ||
| Q1 25 | 2.4% | 0.0% | ||
| Q4 24 | 11.7% | 0.0% | ||
| Q3 24 | 3.6% | 0.0% | ||
| Q2 24 | 2.6% | 0.1% | ||
| Q1 24 | 3.5% | 0.1% |
| Q4 25 | 3.90× | 2.18× | ||
| Q3 25 | 0.76× | 1.98× | ||
| Q2 25 | 0.69× | 2.14× | ||
| Q1 25 | 1.82× | 3.65× | ||
| Q4 24 | 5.02× | 2.12× | ||
| Q3 24 | 1.24× | 0.47× | ||
| Q2 24 | 1.86× | 1.93× | ||
| Q1 24 | 1.23× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
