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Side-by-side financial comparison of OFG BANCORP (OFG) and WORKIVA INC (WK). Click either name above to swap in a different company.
WORKIVA INC is the larger business by last-quarter revenue ($238.9M vs $184.3M, roughly 1.3× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 4.9%, a 25.4% gap on every dollar of revenue. On growth, WORKIVA INC posted the faster year-over-year revenue change (19.5% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $50.7M). Over the past eight quarters, WORKIVA INC's revenue compounded faster (16.6% 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....
Workiva, Inc. is a global software-as-a-service (SaaS) company. It provides a cloud-based connected and reporting compliance platform that enables the use of connected data and automation of reporting across finance, accounting, risk, and compliance.
OFG vs WK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $238.9M |
| Net Profit | $55.9M | $11.8M |
| Gross Margin | — | 80.7% |
| Operating Margin | 25.7% | 3.3% |
| Net Margin | 30.3% | 4.9% |
| Revenue YoY | 0.9% | 19.5% |
| Net Profit YoY | 11.0% | 234.0% |
| EPS (diluted) | $1.27 | $0.21 |
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 | $238.9M | ||
| Q3 25 | $186.2M | $224.2M | ||
| Q2 25 | $182.4M | $215.2M | ||
| Q1 25 | $178.6M | $206.3M | ||
| Q4 24 | $182.7M | $199.9M | ||
| Q3 24 | $174.7M | $185.6M | ||
| Q2 24 | $179.8M | $177.5M | ||
| Q1 24 | $174.4M | $175.7M |
| Q4 25 | $55.9M | $11.8M | ||
| Q3 25 | $51.8M | $2.8M | ||
| Q2 25 | $51.8M | $-19.4M | ||
| Q1 25 | $45.6M | $-21.4M | ||
| Q4 24 | $50.3M | $-8.8M | ||
| Q3 24 | $47.0M | $-17.0M | ||
| Q2 24 | $51.1M | $-17.5M | ||
| Q1 24 | $49.7M | $-11.7M |
| Q4 25 | — | 80.7% | ||
| Q3 25 | — | 79.3% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.1% | ||
| Q3 24 | — | 76.5% | ||
| Q2 24 | — | 76.8% | ||
| Q1 24 | — | 76.4% |
| Q4 25 | 25.7% | 3.3% | ||
| Q3 25 | 33.0% | -1.5% | ||
| Q2 25 | 36.1% | -10.3% | ||
| Q1 25 | 33.3% | -12.0% | ||
| Q4 24 | 28.9% | -6.7% | ||
| Q3 24 | 35.4% | -11.7% | ||
| Q2 24 | 39.6% | -13.0% | ||
| Q1 24 | 38.9% | -10.4% |
| Q4 25 | 30.3% | 4.9% | ||
| Q3 25 | 27.8% | 1.2% | ||
| Q2 25 | 28.4% | -9.0% | ||
| Q1 25 | 25.5% | -10.4% | ||
| Q4 24 | 27.6% | -4.4% | ||
| Q3 24 | 26.9% | -9.2% | ||
| Q2 24 | 28.4% | -9.9% | ||
| Q1 24 | 28.5% | -6.7% |
| Q4 25 | $1.27 | $0.21 | ||
| Q3 25 | $1.16 | $0.05 | ||
| Q2 25 | $1.15 | $-0.35 | ||
| Q1 25 | $1.00 | $-0.38 | ||
| Q4 24 | $1.10 | $-0.15 | ||
| Q3 24 | $1.00 | $-0.31 | ||
| Q2 24 | $1.08 | $-0.32 | ||
| 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 | $338.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $-5.4M |
| Total Assets | $12.5B | $1.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $338.8M | ||
| Q3 25 | $740.3M | $315.9M | ||
| Q2 25 | $851.8M | $284.3M | ||
| Q1 25 | $710.6M | $242.0M | ||
| Q4 24 | $591.1M | $301.8M | ||
| Q3 24 | $680.6M | $248.2M | ||
| Q2 24 | $740.4M | $267.9M | ||
| Q1 24 | $754.4M | $296.1M |
| Q4 25 | $1.4B | $-5.4M | ||
| Q3 25 | $1.4B | $-36.9M | ||
| Q2 25 | $1.3B | $-66.5M | ||
| Q1 25 | $1.3B | $-75.7M | ||
| Q4 24 | $1.3B | $-41.7M | ||
| Q3 24 | $1.3B | $-50.8M | ||
| Q2 24 | $1.2B | $-77.7M | ||
| Q1 24 | $1.2B | $-83.2M |
| Q4 25 | $12.5B | $1.5B | ||
| Q3 25 | $12.2B | $1.4B | ||
| Q2 25 | $12.2B | $1.3B | ||
| Q1 25 | $11.7B | $1.3B | ||
| Q4 24 | $11.5B | $1.4B | ||
| Q3 24 | $11.5B | $1.3B | ||
| Q2 24 | $11.3B | $1.2B | ||
| Q1 24 | $11.2B | $1.2B |
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 | $51.0M |
| Free Cash FlowOCF − Capex | $199.3M | $50.7M |
| FCF MarginFCF / Revenue | 108.1% | 21.2% |
| Capex IntensityCapex / Revenue | 10.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.90× | 4.31× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $138.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $51.0M | ||
| Q3 25 | $39.5M | $46.2M | ||
| Q2 25 | $35.9M | $50.3M | ||
| Q1 25 | $83.1M | $-7.4M | ||
| Q4 24 | $252.5M | $44.0M | ||
| Q3 24 | $58.1M | $18.9M | ||
| Q2 24 | $95.1M | $-14.0K | ||
| Q1 24 | $61.0M | $24.8M |
| Q4 25 | $199.3M | $50.7M | ||
| Q3 25 | $35.5M | $46.1M | ||
| Q2 25 | $31.8M | $49.3M | ||
| Q1 25 | $78.7M | $-8.1M | ||
| Q4 24 | $231.2M | $43.2M | ||
| Q3 24 | $51.8M | $18.7M | ||
| Q2 24 | $90.4M | $-122.0K | ||
| Q1 24 | $54.8M | $24.6M |
| Q4 25 | 108.1% | 21.2% | ||
| Q3 25 | 19.1% | 20.5% | ||
| Q2 25 | 17.4% | 22.9% | ||
| Q1 25 | 44.1% | -3.9% | ||
| Q4 24 | 126.5% | 21.6% | ||
| Q3 24 | 29.6% | 10.1% | ||
| Q2 24 | 50.3% | -0.1% | ||
| Q1 24 | 31.4% | 14.0% |
| Q4 25 | 10.0% | 0.1% | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 2.3% | 0.5% | ||
| Q1 25 | 2.4% | 0.4% | ||
| Q4 24 | 11.7% | 0.4% | ||
| Q3 24 | 3.6% | 0.1% | ||
| Q2 24 | 2.6% | 0.1% | ||
| Q1 24 | 3.5% | 0.1% |
| Q4 25 | 3.90× | 4.31× | ||
| Q3 25 | 0.76× | 16.57× | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
WK
| License And Service | $219.3M | 92% |
| XBRL Professional Services | $16.4M | 7% |
| Other Services | $3.2M | 1% |
