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Side-by-side financial comparison of OFG BANCORP (OFG) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $153.1M, roughly 1.2× CPI Card Group Inc.). OFG BANCORP runs the higher net margin — 30.3% vs 4.8%, a 25.5% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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....
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
OFG vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $153.1M |
| Net Profit | $55.9M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 25.7% | 12.0% |
| Net Margin | 30.3% | 4.8% |
| Revenue YoY | 0.9% | 22.3% |
| Net Profit YoY | 11.0% | 8.5% |
| EPS (diluted) | $1.27 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $186.2M | $138.0M | ||
| Q2 25 | $182.4M | $129.8M | ||
| Q1 25 | $178.6M | $122.8M | ||
| Q4 24 | $182.7M | $125.1M | ||
| Q3 24 | $174.7M | $124.8M | ||
| Q2 24 | $179.8M | $118.8M | ||
| Q1 24 | $174.4M | $111.9M |
| Q4 25 | $55.9M | $7.3M | ||
| Q3 25 | $51.8M | $2.3M | ||
| Q2 25 | $51.8M | $518.0K | ||
| Q1 25 | $45.6M | $4.8M | ||
| Q4 24 | $50.3M | $6.8M | ||
| Q3 24 | $47.0M | $1.3M | ||
| Q2 24 | $51.1M | $6.0M | ||
| Q1 24 | $49.7M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 25.7% | 12.0% | ||
| Q3 25 | 33.0% | 9.4% | ||
| Q2 25 | 36.1% | 7.3% | ||
| Q1 25 | 33.3% | 11.5% | ||
| Q4 24 | 28.9% | 12.7% | ||
| Q3 24 | 35.4% | 14.3% | ||
| Q2 24 | 39.6% | 12.5% | ||
| Q1 24 | 38.9% | 12.6% |
| Q4 25 | 30.3% | 4.8% | ||
| Q3 25 | 27.8% | 1.7% | ||
| Q2 25 | 28.4% | 0.4% | ||
| Q1 25 | 25.5% | 3.9% | ||
| Q4 24 | 27.6% | 5.4% | ||
| Q3 24 | 26.9% | 1.0% | ||
| Q2 24 | 28.4% | 5.1% | ||
| Q1 24 | 28.5% | 4.9% |
| Q4 25 | $1.27 | $0.62 | ||
| Q3 25 | $1.16 | $0.19 | ||
| Q2 25 | $1.15 | $0.04 | ||
| Q1 25 | $1.00 | $0.40 | ||
| Q4 24 | $1.10 | $0.56 | ||
| Q3 24 | $1.00 | $0.11 | ||
| Q2 24 | $1.08 | $0.51 | ||
| Q1 24 | $1.05 | $0.46 |
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 | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $1.4B | $-17.3M |
| Total Assets | $12.5B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $21.7M | ||
| Q3 25 | $740.3M | $16.0M | ||
| Q2 25 | $851.8M | $17.1M | ||
| Q1 25 | $710.6M | $31.5M | ||
| Q4 24 | $591.1M | $33.5M | ||
| Q3 24 | $680.6M | $14.7M | ||
| Q2 24 | $740.4M | $7.5M | ||
| Q1 24 | $754.4M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $1.4B | $-17.3M | ||
| Q3 25 | $1.4B | $-25.7M | ||
| Q2 25 | $1.3B | $-29.0M | ||
| Q1 25 | $1.3B | $-29.7M | ||
| Q4 24 | $1.3B | $-35.6M | ||
| Q3 24 | $1.3B | $-42.8M | ||
| Q2 24 | $1.2B | $-44.6M | ||
| Q1 24 | $1.2B | $-48.5M |
| Q4 25 | $12.5B | $403.2M | ||
| Q3 25 | $12.2B | $407.1M | ||
| Q2 25 | $12.2B | $399.8M | ||
| Q1 25 | $11.7B | $351.9M | ||
| Q4 24 | $11.5B | $349.7M | ||
| Q3 24 | $11.5B | $342.3M | ||
| Q2 24 | $11.3B | $321.4M | ||
| Q1 24 | $11.2B | $319.8M |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $199.3M | $35.2M |
| FCF MarginFCF / Revenue | 108.1% | 23.0% |
| Capex IntensityCapex / Revenue | 10.0% | 2.9% |
| Cash ConversionOCF / Net Profit | 3.90× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $39.6M | ||
| Q3 25 | $39.5M | $10.0M | ||
| Q2 25 | $35.9M | $4.3M | ||
| Q1 25 | $83.1M | $5.6M | ||
| Q4 24 | $252.5M | $26.7M | ||
| Q3 24 | $58.1M | $12.5M | ||
| Q2 24 | $95.1M | $-4.8M | ||
| Q1 24 | $61.0M | $8.9M |
| Q4 25 | $199.3M | $35.2M | ||
| Q3 25 | $35.5M | $5.3M | ||
| Q2 25 | $31.8M | $533.0K | ||
| Q1 25 | $78.7M | $292.0K | ||
| Q4 24 | $231.2M | $21.6M | ||
| Q3 24 | $51.8M | $11.1M | ||
| Q2 24 | $90.4M | $-6.0M | ||
| Q1 24 | $54.8M | $7.4M |
| Q4 25 | 108.1% | 23.0% | ||
| Q3 25 | 19.1% | 3.8% | ||
| Q2 25 | 17.4% | 0.4% | ||
| Q1 25 | 44.1% | 0.2% | ||
| Q4 24 | 126.5% | 17.3% | ||
| Q3 24 | 29.6% | 8.9% | ||
| Q2 24 | 50.3% | -5.0% | ||
| Q1 24 | 31.4% | 6.6% |
| Q4 25 | 10.0% | 2.9% | ||
| Q3 25 | 2.1% | 3.4% | ||
| Q2 25 | 2.3% | 2.9% | ||
| Q1 25 | 2.4% | 4.3% | ||
| Q4 24 | 11.7% | 4.0% | ||
| Q3 24 | 3.6% | 1.2% | ||
| Q2 24 | 2.6% | 1.0% | ||
| Q1 24 | 3.5% | 1.3% |
| Q4 25 | 3.90× | 5.39× | ||
| Q3 25 | 0.76× | 4.32× | ||
| Q2 25 | 0.69× | 8.39× | ||
| Q1 25 | 1.82× | 1.17× | ||
| Q4 24 | 5.02× | 3.94× | ||
| Q3 24 | 1.24× | 9.70× | ||
| Q2 24 | 1.86× | -0.79× | ||
| Q1 24 | 1.23× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
