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Side-by-side financial comparison of OFG BANCORP (OFG) and XPLR Infrastructure, LP (XIFR). Click either name above to swap in a different company.
XPLR Infrastructure, LP is the larger business by last-quarter revenue ($249.0M vs $184.3M, roughly 1.4× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 11.2%, a 19.1% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -15.3%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-88.0M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -1.6%).
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....
XPLR Infrastructure is a publicly traded subsidiary of NextEra Energy, is a Juno Beach, Florida-based renewable energy company.
OFG vs XIFR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $249.0M |
| Net Profit | $55.9M | $28.0M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | -19.3% |
| Net Margin | 30.3% | 11.2% |
| Revenue YoY | 0.9% | -15.3% |
| Net Profit YoY | 11.0% | 124.3% |
| EPS (diluted) | $1.27 | — |
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 | $249.0M | ||
| Q3 25 | $186.2M | $315.0M | ||
| Q2 25 | $182.4M | $342.0M | ||
| Q1 25 | $178.6M | $282.0M | ||
| Q4 24 | $182.7M | $294.0M | ||
| Q3 24 | $174.7M | $319.0M | ||
| Q2 24 | $179.8M | $360.0M | ||
| Q1 24 | $174.4M | $257.0M |
| Q4 25 | $55.9M | $28.0M | ||
| Q3 25 | $51.8M | $-37.0M | ||
| Q2 25 | $51.8M | $79.0M | ||
| Q1 25 | $45.6M | $-98.0M | ||
| Q4 24 | $50.3M | $-115.0M | ||
| Q3 24 | $47.0M | $-40.0M | ||
| Q2 24 | $51.1M | $62.0M | ||
| Q1 24 | $49.7M | $70.0M |
| Q4 25 | 25.7% | -19.3% | ||
| Q3 25 | 33.0% | 1.6% | ||
| Q2 25 | 36.1% | 26.3% | ||
| Q1 25 | 33.3% | -82.6% | ||
| Q4 24 | 28.9% | -188.1% | ||
| Q3 24 | 35.4% | 15.4% | ||
| Q2 24 | 39.6% | 18.3% | ||
| Q1 24 | 38.9% | -8.2% |
| Q4 25 | 30.3% | 11.2% | ||
| Q3 25 | 27.8% | -11.7% | ||
| Q2 25 | 28.4% | 23.1% | ||
| Q1 25 | 25.5% | -34.8% | ||
| Q4 24 | 27.6% | -39.1% | ||
| Q3 24 | 26.9% | -12.5% | ||
| Q2 24 | 28.4% | 17.2% | ||
| Q1 24 | 28.5% | 27.2% |
| Q4 25 | $1.27 | — | ||
| Q3 25 | $1.16 | $-0.40 | ||
| Q2 25 | $1.15 | $0.84 | ||
| Q1 25 | $1.00 | $-1.05 | ||
| Q4 24 | $1.10 | — | ||
| Q3 24 | $1.00 | $-0.43 | ||
| Q2 24 | $1.08 | $0.66 | ||
| Q1 24 | $1.05 | $0.75 |
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 | $960.0M |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $1.4B | $10.9B |
| Total Assets | $12.5B | $19.6B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $960.0M | ||
| Q3 25 | $740.3M | $711.0M | ||
| Q2 25 | $851.8M | $880.0M | ||
| Q1 25 | $710.6M | $1.5B | ||
| Q4 24 | $591.1M | $283.0M | ||
| Q3 24 | $680.6M | $290.0M | ||
| Q2 24 | $740.4M | $281.0M | ||
| Q1 24 | $754.4M | $245.0M |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.4B | $10.9B | ||
| Q3 25 | $1.4B | $11.0B | ||
| Q2 25 | $1.3B | $11.3B | ||
| Q1 25 | $1.3B | $12.6B | ||
| Q4 24 | $1.3B | $12.9B | ||
| Q3 24 | $1.3B | $13.6B | ||
| Q2 24 | $1.2B | $13.9B | ||
| Q1 24 | $1.2B | $14.0B |
| Q4 25 | $12.5B | $19.6B | ||
| Q3 25 | $12.2B | $19.1B | ||
| Q2 25 | $12.2B | $20.5B | ||
| Q1 25 | $11.7B | $21.4B | ||
| Q4 24 | $11.5B | $20.3B | ||
| Q3 24 | $11.5B | $20.9B | ||
| Q2 24 | $11.3B | $21.7B | ||
| Q1 24 | $11.2B | $22.3B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.41× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $186.0M |
| Free Cash FlowOCF − Capex | $199.3M | $-88.0M |
| FCF MarginFCF / Revenue | 108.1% | -35.3% |
| Capex IntensityCapex / Revenue | 10.0% | 110.0% |
| Cash ConversionOCF / Net Profit | 3.90× | 6.64× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $-219.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $186.0M | ||
| Q3 25 | $39.5M | $231.0M | ||
| Q2 25 | $35.9M | $232.0M | ||
| Q1 25 | $83.1M | $90.0M | ||
| Q4 24 | $252.5M | $283.0M | ||
| Q3 24 | $58.1M | $208.0M | ||
| Q2 24 | $95.1M | $231.0M | ||
| Q1 24 | $61.0M | $78.0M |
| Q4 25 | $199.3M | $-88.0M | ||
| Q3 25 | $35.5M | $-283.0M | ||
| Q2 25 | $31.8M | $151.0M | ||
| Q1 25 | $78.7M | $1.0M | ||
| Q4 24 | $231.2M | $231.0M | ||
| Q3 24 | $51.8M | $152.0M | ||
| Q2 24 | $90.4M | $162.0M | ||
| Q1 24 | $54.8M | $14.0M |
| Q4 25 | 108.1% | -35.3% | ||
| Q3 25 | 19.1% | -89.8% | ||
| Q2 25 | 17.4% | 44.2% | ||
| Q1 25 | 44.1% | 0.4% | ||
| Q4 24 | 126.5% | 78.6% | ||
| Q3 24 | 29.6% | 47.6% | ||
| Q2 24 | 50.3% | 45.0% | ||
| Q1 24 | 31.4% | 5.4% |
| Q4 25 | 10.0% | 110.0% | ||
| Q3 25 | 2.1% | 163.2% | ||
| Q2 25 | 2.3% | 23.7% | ||
| Q1 25 | 2.4% | 31.6% | ||
| Q4 24 | 11.7% | 17.7% | ||
| Q3 24 | 3.6% | 17.6% | ||
| Q2 24 | 2.6% | 19.2% | ||
| Q1 24 | 3.5% | 24.9% |
| Q4 25 | 3.90× | 6.64× | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | 2.94× | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | 3.73× | ||
| Q1 24 | 1.23× | 1.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
XIFR
| Renewable Energy Sales | $238.0M | 96% |
| Related Party | $8.0M | 3% |
