vs
Side-by-side financial comparison of OFG BANCORP (OFG) and WYNDHAM HOTELS & RESORTS, INC. (WH). Click either name above to swap in a different company.
WYNDHAM HOTELS & RESORTS, INC. is the larger business by last-quarter revenue ($334.0M vs $184.3M, roughly 1.8× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -18.0%, a 48.3% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -76.3%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $168.0M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -4.6%).
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....
Wyndham Hotels & Resorts, Inc., is an American hospitality company based in Parsippany, New Jersey, United States. It describes itself as the largest hotel franchisor in the world, with 9,100 locations.
OFG vs WH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $334.0M |
| Net Profit | $55.9M | $-60.0M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | — |
| Net Margin | 30.3% | -18.0% |
| Revenue YoY | 0.9% | -76.3% |
| Net Profit YoY | 11.0% | -170.6% |
| EPS (diluted) | $1.27 | $-0.80 |
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 | — | $334.0M | ||
| Q4 25 | $184.3M | $334.0M | ||
| Q3 25 | $186.2M | $382.0M | ||
| Q2 25 | $182.4M | $397.0M | ||
| Q1 25 | $178.6M | $316.0M | ||
| Q4 24 | $182.7M | $336.0M | ||
| Q3 24 | $174.7M | $396.0M | ||
| Q2 24 | $179.8M | $367.0M |
| Q1 26 | — | $-60.0M | ||
| Q4 25 | $55.9M | $-60.0M | ||
| Q3 25 | $51.8M | $105.0M | ||
| Q2 25 | $51.8M | $87.0M | ||
| Q1 25 | $45.6M | $61.0M | ||
| Q4 24 | $50.3M | $85.0M | ||
| Q3 24 | $47.0M | $102.0M | ||
| Q2 24 | $51.1M | $86.0M |
| Q1 26 | — | — | ||
| Q4 25 | 25.7% | -11.4% | ||
| Q3 25 | 33.0% | 46.6% | ||
| Q2 25 | 36.1% | 37.8% | ||
| Q1 25 | 33.3% | 35.4% | ||
| Q4 24 | 28.9% | 38.4% | ||
| Q3 24 | 35.4% | 43.2% | ||
| Q2 24 | 39.6% | 39.5% |
| Q1 26 | — | -18.0% | ||
| Q4 25 | 30.3% | -18.0% | ||
| Q3 25 | 27.8% | 27.5% | ||
| Q2 25 | 28.4% | 21.9% | ||
| Q1 25 | 25.5% | 19.3% | ||
| Q4 24 | 27.6% | 25.3% | ||
| Q3 24 | 26.9% | 25.8% | ||
| Q2 24 | 28.4% | 23.4% |
| Q1 26 | — | $-0.80 | ||
| Q4 25 | $1.27 | $-0.77 | ||
| Q3 25 | $1.16 | $1.36 | ||
| Q2 25 | $1.15 | $1.13 | ||
| Q1 25 | $1.00 | $0.78 | ||
| Q4 24 | $1.10 | $1.06 | ||
| Q3 24 | $1.00 | $1.29 | ||
| Q2 24 | $1.08 | $1.07 |
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 | $64.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $468.0M |
| Total Assets | $12.5B | $4.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $64.0M | ||
| Q4 25 | $1.0B | $64.0M | ||
| Q3 25 | $740.3M | $70.0M | ||
| Q2 25 | $851.8M | $50.0M | ||
| Q1 25 | $710.6M | $48.0M | ||
| Q4 24 | $591.1M | $103.0M | ||
| Q3 24 | $680.6M | $72.0M | ||
| Q2 24 | $740.4M | $70.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.5B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.5B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.4B |
| Q1 26 | — | $468.0M | ||
| Q4 25 | $1.4B | $468.0M | ||
| Q3 25 | $1.4B | $583.0M | ||
| Q2 25 | $1.3B | $570.0M | ||
| Q1 25 | $1.3B | $579.0M | ||
| Q4 24 | $1.3B | $650.0M | ||
| Q3 24 | $1.3B | $583.0M | ||
| Q2 24 | $1.2B | $623.0M |
| Q1 26 | — | $4.2B | ||
| Q4 25 | $12.5B | $4.2B | ||
| Q3 25 | $12.2B | $4.3B | ||
| Q2 25 | $12.2B | $4.3B | ||
| Q1 25 | $11.7B | $4.2B | ||
| Q4 24 | $11.5B | $4.2B | ||
| Q3 24 | $11.5B | $4.2B | ||
| Q2 24 | $11.3B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.37× | ||
| Q3 25 | — | 4.43× | ||
| Q2 25 | — | 4.44× | ||
| Q1 25 | — | 4.29× | ||
| Q4 24 | — | 3.72× | ||
| Q3 24 | — | 4.19× | ||
| Q2 24 | — | 3.83× |
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 | $367.0M |
| Free Cash FlowOCF − Capex | $199.3M | $168.0M |
| FCF MarginFCF / Revenue | 108.1% | 50.3% |
| Capex IntensityCapex / Revenue | 10.0% | — |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $437.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $367.0M | ||
| Q4 25 | $217.7M | $152.0M | ||
| Q3 25 | $39.5M | $86.0M | ||
| Q2 25 | $35.9M | $70.0M | ||
| Q1 25 | $83.1M | $59.0M | ||
| Q4 24 | $252.5M | $134.0M | ||
| Q3 24 | $58.1M | $79.0M | ||
| Q2 24 | $95.1M | $1.0M |
| Q1 26 | — | $168.0M | ||
| Q4 25 | $199.3M | $136.0M | ||
| Q3 25 | $35.5M | $75.0M | ||
| Q2 25 | $31.8M | $58.0M | ||
| Q1 25 | $78.7M | $52.0M | ||
| Q4 24 | $231.2M | $109.0M | ||
| Q3 24 | $51.8M | $71.0M | ||
| Q2 24 | $90.4M | $-6.0M |
| Q1 26 | — | 50.3% | ||
| Q4 25 | 108.1% | 40.7% | ||
| Q3 25 | 19.1% | 19.6% | ||
| Q2 25 | 17.4% | 14.6% | ||
| Q1 25 | 44.1% | 16.5% | ||
| Q4 24 | 126.5% | 32.4% | ||
| Q3 24 | 29.6% | 17.9% | ||
| Q2 24 | 50.3% | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 4.8% | ||
| Q3 25 | 2.1% | 2.9% | ||
| Q2 25 | 2.3% | 3.0% | ||
| Q1 25 | 2.4% | 2.2% | ||
| Q4 24 | 11.7% | 7.4% | ||
| Q3 24 | 3.6% | 2.0% | ||
| Q2 24 | 2.6% | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 0.82× | ||
| Q2 25 | 0.69× | 0.80× | ||
| Q1 25 | 1.82× | 0.97× | ||
| Q4 24 | 5.02× | 1.58× | ||
| Q3 24 | 1.24× | 0.77× | ||
| Q2 24 | 1.86× | 0.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
WH
| Fee-related and other revenues | $334.0M | 100% |
| Management and other fees | $2.0M | 1% |
