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Side-by-side financial comparison of OFG BANCORP (OFG) and Porch Group, Inc. (PRCH). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $121.1M, roughly 1.5× Porch Group, Inc.). OFG BANCORP runs the higher net margin — 30.3% vs -3.9%, a 34.2% gap on every dollar of revenue. On growth, Porch Group, Inc. posted the faster year-over-year revenue change (100.0% vs 0.9%). Over the past eight quarters, Porch Group, Inc.'s revenue compounded faster (26.4% 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....
Porch is a website that tries to connect homeowners with local home improvement contractors. The site features advice articles, cost guide, and online booking for over 160 home projects.
OFG vs PRCH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $121.1M |
| Net Profit | $55.9M | $-4.7M |
| Gross Margin | — | 52.7% |
| Operating Margin | 25.7% | 34.7% |
| Net Margin | 30.3% | -3.9% |
| Revenue YoY | 0.9% | 100.0% |
| Net Profit YoY | 11.0% | 2.0% |
| 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.
| Q1 26 | — | $121.1M | ||
| Q4 25 | $184.3M | $112.3M | ||
| Q3 25 | $186.2M | $115.1M | ||
| Q2 25 | $182.4M | $107.0M | ||
| Q1 25 | $178.6M | $84.5M | ||
| Q4 24 | $182.7M | $75.3M | ||
| Q3 24 | $174.7M | $77.7M | ||
| Q2 24 | $179.8M | $75.9M |
| Q1 26 | — | $-4.7M | ||
| Q4 25 | $55.9M | $-3.5M | ||
| Q3 25 | $51.8M | $-10.9M | ||
| Q2 25 | $51.8M | $2.6M | ||
| Q1 25 | $45.6M | $8.4M | ||
| Q4 24 | $50.3M | $30.5M | ||
| Q3 24 | $47.0M | $14.4M | ||
| Q2 24 | $51.1M | $-64.3M |
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 99.5% | ||
| Q3 25 | — | 75.6% | ||
| Q2 25 | — | 70.9% | ||
| Q1 25 | — | 77.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 79.4% | ||
| Q2 24 | — | 22.1% |
| Q1 26 | — | 34.7% | ||
| Q4 25 | 25.7% | 14.7% | ||
| Q3 25 | 33.0% | 14.2% | ||
| Q2 25 | 36.1% | 4.7% | ||
| Q1 25 | 33.3% | -1.5% | ||
| Q4 24 | 28.9% | 33.3% | ||
| Q3 24 | 35.4% | -3.2% | ||
| Q2 24 | 39.6% | -69.2% |
| Q1 26 | — | -3.9% | ||
| Q4 25 | 30.3% | -3.1% | ||
| Q3 25 | 27.8% | -9.4% | ||
| Q2 25 | 28.4% | 2.4% | ||
| Q1 25 | 25.5% | 9.9% | ||
| Q4 24 | 27.6% | 40.5% | ||
| Q3 24 | 26.9% | 18.5% | ||
| Q2 24 | 28.4% | -84.8% |
| Q1 26 | — | $-0.04 | ||
| Q4 25 | $1.27 | $0.00 | ||
| Q3 25 | $1.16 | $-0.10 | ||
| Q2 25 | $1.15 | $0.00 | ||
| Q1 25 | $1.00 | $0.07 | ||
| Q4 24 | $1.10 | $0.34 | ||
| Q3 24 | $1.00 | $0.12 | ||
| Q2 24 | $1.08 | $-0.65 |
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 | $68.4M |
| Total DebtLower is stronger | — | $391.3M |
| Stockholders' EquityBook value | $1.4B | $26.3M |
| Total Assets | $12.5B | $806.6M |
| Debt / EquityLower = less leverage | — | 14.87× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $68.4M | ||
| Q4 25 | $1.0B | $57.3M | ||
| Q3 25 | $740.3M | $85.0M | ||
| Q2 25 | $851.8M | $79.8M | ||
| Q1 25 | $710.6M | $70.4M | ||
| Q4 24 | $591.1M | $191.7M | ||
| Q3 24 | $680.6M | $238.6M | ||
| Q2 24 | $740.4M | $308.4M |
| Q1 26 | — | $391.3M | ||
| Q4 25 | — | $392.8M | ||
| Q3 25 | — | $387.1M | ||
| Q2 25 | — | $394.1M | ||
| Q1 25 | — | $409.2M | ||
| Q4 24 | — | $403.9M | ||
| Q3 24 | — | $399.0M | ||
| Q2 24 | — | $436.8M |
| Q1 26 | — | $26.3M | ||
| Q4 25 | $1.4B | $-24.6M | ||
| Q3 25 | $1.4B | $-27.9M | ||
| Q2 25 | $1.3B | $-29.3M | ||
| Q1 25 | $1.3B | $-52.4M | ||
| Q4 24 | $1.3B | $-43.2M | ||
| Q3 24 | $1.3B | $-77.0M | ||
| Q2 24 | $1.2B | $-101.9M |
| Q1 26 | — | $806.6M | ||
| Q4 25 | $12.5B | $797.4M | ||
| Q3 25 | $12.2B | $787.7M | ||
| Q2 25 | $12.2B | $770.7M | ||
| Q1 25 | $11.7B | $802.3M | ||
| Q4 24 | $11.5B | $814.0M | ||
| Q3 24 | $11.5B | $867.3M | ||
| Q2 24 | $11.3B | $876.1M |
| Q1 26 | — | 14.87× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — |
| Free Cash FlowOCF − Capex | $199.3M | — |
| FCF MarginFCF / Revenue | 108.1% | — |
| Capex IntensityCapex / Revenue | 10.0% | — |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $217.7M | $1.2M | ||
| Q3 25 | $39.5M | $40.8M | ||
| Q2 25 | $35.9M | $35.6M | ||
| Q1 25 | $83.1M | $-11.2M | ||
| Q4 24 | $252.5M | $-26.6M | ||
| Q3 24 | $58.1M | $12.4M | ||
| Q2 24 | $95.1M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $1.1M | ||
| Q3 25 | $35.5M | $40.7M | ||
| Q2 25 | $31.8M | $35.4M | ||
| Q1 25 | $78.7M | $-11.2M | ||
| Q4 24 | $231.2M | $-26.8M | ||
| Q3 24 | $51.8M | $12.2M | ||
| Q2 24 | $90.4M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | 1.0% | ||
| Q3 25 | 19.1% | 35.4% | ||
| Q2 25 | 17.4% | 33.0% | ||
| Q1 25 | 44.1% | -13.3% | ||
| Q4 24 | 126.5% | -35.6% | ||
| Q3 24 | 29.6% | 15.7% | ||
| Q2 24 | 50.3% | -34.3% |
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 0.1% | ||
| Q3 25 | 2.1% | 0.1% | ||
| Q2 25 | 2.3% | 0.2% | ||
| Q1 25 | 2.4% | 0.1% | ||
| Q4 24 | 11.7% | 0.3% | ||
| Q3 24 | 3.6% | 0.3% | ||
| Q2 24 | 2.6% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | 13.79× | ||
| Q1 25 | 1.82× | -1.33× | ||
| Q4 24 | 5.02× | -0.87× | ||
| Q3 24 | 1.24× | 0.86× | ||
| Q2 24 | 1.86× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
