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Side-by-side financial comparison of OFG BANCORP (OFG) and Xenia Hotels & Resorts, Inc. (XHR). Click either name above to swap in a different company.
Xenia Hotels & Resorts, Inc. is the larger business by last-quarter revenue ($295.4M vs $184.3M, roughly 1.6× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 6.7%, a 23.6% gap on every dollar of revenue. On growth, Xenia Hotels & Resorts, Inc. posted the faster year-over-year revenue change (2.2% vs 0.9%). Over the past eight quarters, Xenia Hotels & Resorts, Inc.'s revenue compounded faster (4.0% 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....
Xenia Hotels & Resorts, Inc. is a real estate investment trust that invests in hotels. As of December 31, 2024, it owned 31 hotels comprising 9,408 rooms.
OFG vs XHR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $295.4M |
| Net Profit | $55.9M | $19.8M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | 14.1% |
| Net Margin | 30.3% | 6.7% |
| Revenue YoY | 0.9% | 2.2% |
| Net Profit YoY | 11.0% | 26.9% |
| 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.
| Q1 26 | — | $295.4M | ||
| Q4 25 | $184.3M | $265.6M | ||
| Q3 25 | $186.2M | $236.4M | ||
| Q2 25 | $182.4M | $287.6M | ||
| Q1 25 | $178.6M | $288.9M | ||
| Q4 24 | $182.7M | $261.8M | ||
| Q3 24 | $174.7M | $236.8M | ||
| Q2 24 | $179.8M | $272.9M |
| Q1 26 | — | $19.8M | ||
| Q4 25 | $55.9M | $6.1M | ||
| Q3 25 | $51.8M | $-13.7M | ||
| Q2 25 | $51.8M | $55.2M | ||
| Q1 25 | $45.6M | $15.6M | ||
| Q4 24 | $50.3M | $-638.0K | ||
| Q3 24 | $47.0M | $-7.1M | ||
| Q2 24 | $51.1M | $15.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 33.6% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 31.9% |
| Q1 26 | — | 14.1% | ||
| Q4 25 | 25.7% | 10.1% | ||
| Q3 25 | 33.0% | 2.0% | ||
| Q2 25 | 36.1% | 14.0% | ||
| Q1 25 | 33.3% | 12.4% | ||
| Q4 24 | 28.9% | 8.2% | ||
| Q3 24 | 35.4% | 3.2% | ||
| Q2 24 | 39.6% | 11.1% |
| Q1 26 | — | 6.7% | ||
| Q4 25 | 30.3% | 2.3% | ||
| Q3 25 | 27.8% | -5.8% | ||
| Q2 25 | 28.4% | 19.2% | ||
| Q1 25 | 25.5% | 5.4% | ||
| Q4 24 | 27.6% | -0.2% | ||
| Q3 24 | 26.9% | -3.0% | ||
| Q2 24 | 28.4% | 5.6% |
| Q1 26 | — | $0.21 | ||
| Q4 25 | $1.27 | $0.07 | ||
| Q3 25 | $1.16 | $-0.14 | ||
| Q2 25 | $1.15 | $0.56 | ||
| Q1 25 | $1.00 | $0.15 | ||
| Q4 24 | $1.10 | $-0.01 | ||
| Q3 24 | $1.00 | $-0.07 | ||
| Q2 24 | $1.08 | $0.15 |
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 | $101.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.2B |
| Total Assets | $12.5B | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $101.1M | ||
| Q4 25 | $1.0B | $140.4M | ||
| Q3 25 | $740.3M | $188.2M | ||
| Q2 25 | $851.8M | $172.6M | ||
| Q1 25 | $710.6M | $112.6M | ||
| Q4 24 | $591.1M | $78.2M | ||
| Q3 24 | $680.6M | $161.5M | ||
| Q2 24 | $740.4M | $143.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B |
| Q1 26 | — | $1.2B | ||
| Q4 25 | $1.4B | $1.1B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.3B | $1.2B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.3B | $1.2B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.2B | $1.3B |
| Q1 26 | — | $2.8B | ||
| Q4 25 | $12.5B | $2.8B | ||
| Q3 25 | $12.2B | $2.9B | ||
| Q2 25 | $12.2B | $2.9B | ||
| Q1 25 | $11.7B | $2.9B | ||
| Q4 24 | $11.5B | $2.8B | ||
| Q3 24 | $11.5B | $2.9B | ||
| Q2 24 | $11.3B | $2.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.25× | ||
| Q3 25 | — | 1.21× | ||
| Q2 25 | — | 1.17× | ||
| Q1 25 | — | 1.18× | ||
| Q4 24 | — | 1.07× | ||
| Q3 24 | — | 1.11× | ||
| Q2 24 | — | 1.09× |
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% | 23.7% |
| 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 | $21.4M | ||
| Q3 25 | $39.5M | $64.0M | ||
| Q2 25 | $35.9M | $36.3M | ||
| Q1 25 | $83.1M | $54.8M | ||
| Q4 24 | $252.5M | $30.6M | ||
| Q3 24 | $58.1M | $51.2M | ||
| Q2 24 | $95.1M | $57.2M |
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $5.5M | ||
| Q3 25 | $35.5M | $44.2M | ||
| Q2 25 | $31.8M | $17.8M | ||
| Q1 25 | $78.7M | $22.4M | ||
| Q4 24 | $231.2M | $6.2M | ||
| Q3 24 | $51.8M | $4.3M | ||
| Q2 24 | $90.4M | $21.4M |
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | 2.1% | ||
| Q3 25 | 19.1% | 18.7% | ||
| Q2 25 | 17.4% | 6.2% | ||
| Q1 25 | 44.1% | 7.8% | ||
| Q4 24 | 126.5% | 2.4% | ||
| Q3 24 | 29.6% | 1.8% | ||
| Q2 24 | 50.3% | 7.8% |
| Q1 26 | — | 23.7% | ||
| Q4 25 | 10.0% | 6.0% | ||
| Q3 25 | 2.1% | 8.4% | ||
| Q2 25 | 2.3% | 6.4% | ||
| Q1 25 | 2.4% | 11.2% | ||
| Q4 24 | 11.7% | 9.3% | ||
| Q3 24 | 3.6% | 19.8% | ||
| Q2 24 | 2.6% | 13.1% |
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | 3.52× | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | 0.66× | ||
| Q1 25 | 1.82× | 3.51× | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | 3.73× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
XHR
| Rooms revenues | $164.4M | 56% |
| Food and beverage revenues | $105.0M | 36% |
| Other revenues | $26.0M | 9% |
