Demonstrações financeiras detalhadas de OFG Bancorp (OFG): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
OFG Bancorp registou receitas de $862.6M no último exercício, com um CAGR de 5 anos de 9.8%. O lucro líquido atingiu $205.1M, com CAGR de 5 anos de 22.5%.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $385.9M | $387.8M | $400.9M | $429.9M | $541.2M | $539.1M | $598.5M | $728.2M | $822.8M | $862.6M |
| Custo da Receita | $122.2M | $154.6M | $100.6M | $147.8M | $157.6M | $42.0M | $57.6M | $148.6M | $244.1M | $248.1M |
| Lucro Bruto | $263.7M | $233.2M | $300.3M | $282.1M | $383.6M | $497.0M | $540.9M | $579.5M | $578.7M | $614.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $92.4M | $91.7M | $88.9M | $92.3M | $151.4M | $151.7M | $161.1M | $176.4M | $180.7M | $182.5M |
| Despesas Operacionais | $178.5M | $165.1M | $167.5M | $206.8M | $288.8M | $282.4M | $296.8M | $314.3M | $324.9M | $348.5M |
| Lucro Operacional | $85.2M | $68.1M | $132.8M | $75.2M | $94.8M | $214.6M | $244.1M | $265.2M | $253.7M | $266.0M |
| EBITDA | $96.3M | $78.5M | $143.0M | $84.9M | $118.6M | $238.5M | $268.5M | $291.8M | $280.5M | $285.2M |
| Despesas com Juros | $57.2M | $41.5M | $44.5M | $51.0M | $64.9M | $41.8M | $33.5M | $88.0M | $161.8M | $172.5M |
| Lucro Antes de Impostos | $85.2M | $68.1M | $132.8M | $75.2M | $94.8M | $214.6M | $244.1M | $265.2M | $253.7M | $234.1M |
| Imposto | $26.0M | $15.4M | $48.4M | $21.4M | $20.5M | $68.5M | $77.9M | $83.4M | $55.6M | $29.0M |
| Lucro Líquido | $59.2M | $52.6M | $84.4M | $53.8M | $74.3M | $146.2M | $166.2M | $181.9M | $198.2M | $205.1M |
| LPA | $1.03 | $0.88 | $1.59 | $0.93 | $1.32 | $2.85 | $3.46 | $3.85 | $4.25 | $4.53 |
| LPA Diluído | $1.03 | $0.86 | $1.52 | $0.92 | $1.32 | $2.81 | $3.44 | $3.82 | $4.23 | $4.49 |
| Ações em Circulação (Diluídas) | $51.1M | $51.1M | $51.3M | $51.7M | $51.6M | $51.4M | $48.4M | $47.6M | $46.9M | $47.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $216.7M | $228.8M | $226.4M | $230.6M |
| Lucro Bruto | $143.0M | $184.3M | $163.6M | $177.8M |
| Lucro Operacional | $61.4M | $79.3M | $68.8M | $74.5M |
| EBITDA | $67.9M | $85.6M | $74.6M | $80.3M |
| Lucro Líquido | $51.8M | $55.9M | $53.9M | $58.8M |
| LPA | $1.17 | $1.20 | $1.26 | $1.39 |
| LPA Diluído | $1.16 | $1.18 | $1.26 | $1.39 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $513.5M | $488.2M | $450.1M | $851.3M | $2.15B | $2.02B | $550.3M | $748.2M | $591.1M | $1.04B |
| Investimentos de Curto Prazo | $751.5M | $645.8M | $841.9M | $1.07B | $446.4M | $510.7M | $1.41B | $2.10B | $2.34B | $23000 |
| Contas a Receber | $26.5M | $54.2M | $36.5M | $37.4M | $65.5M | $56.6M | $62.4M | $71.4M | $71.7M | $162.0M |
| Estoque | -$40.9M | -$42.7M | -$31.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.30B | $1.19B | $1.34B | $2.02B | $2.73B | $2.65B | $2.08B | $2.98B | $3.07B | $1.22B |
| Imobilizado | $70.4M | $67.9M | $68.9M | $120.2M | $115.2M | $121.0M | $132.2M | $125.8M | $123.7M | $93.6M |
| Ágio | $86.1M | $86.1M | $86.1M | $86.1M | $86.1M | $86.1M | $84.2M | $84.2M | $84.2M | $84.2M |
| Ativos Intangíveis | $16.0M | $14.5M | $14.1M | $107.7M | $93.2M | $85.1M | $78.5M | $70.2M | $85.2M | $9.9M |
| Ativos Totais | $6.50B | $6.19B | $6.58B | $9.30B | $9.83B | $9.90B | $9.82B | $11.34B | $11.50B | $12.47B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $653.8M | $192.9M | $455.5M | $190.3M | 0 | 0 | 0 | 0 | $75.2M | $100.7M |
| Passivos Circulantes | $5.41B | $5.08B | $5.45B | $8.07B | $8.57B | $8.70B | $8.69B | $9.76B | $9.68B | $10.60B |
| Dívida de Longo Prazo | $141.6M | $135.9M | $114.9M | $115.3M | $102.4M | $64.6M | $27.0M | $200.8M | $326.0M | $456.6M |
| Passivos Totais | $5.58B | $5.24B | $5.58B | $8.25B | $8.74B | $8.83B | $8.78B | $10.15B | $10.25B | $11.08B |
| Reservas | $177.8M | $200.9M | $253.0M | $279.6M | $300.1M | $399.9M | $516.4M | $639.3M | $772.0M | $904.6M |
| Patrimônio Líquido | $920.4M | $945.1M | $999.9M | $1.05B | $1.09B | $1.07B | $1.04B | $1.19B | $1.25B | $1.39B |
| Dívida Total | $795.4M | $328.7M | $570.4M | $345.4M | $134.9M | $95.1M | $54.4M | $224.8M | $422.6M | $580.5M |
| Dívida Líquida | -$466.6M | -$802.3M | -$718.5M | -$1.58B | -$2.47B | -$2.44B | -$1.91B | -$2.62B | -$2.51B | -$459.9M |
| Capital de Giro | -$4.11B | -$3.88B | -$4.12B | -$6.06B | -$5.84B | -$6.05B | -$6.61B | -$6.78B | -$6.61B | -$9.37B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $262.8M | $1.04B | $636.5M | $745.7M |
| Ativos Totais | $12.23B | $12.47B | $12.05B | $12.15B |
| Passivos Totais | $10.85B | $11.08B | $10.68B | $10.75B |
| Patrimônio Líquido | $1.38B | $1.39B | $1.37B | $1.41B |
| Dívida Total | $582.0M | $580.5M | $578.8M | $578.0M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $59.2M | $52.6M | $84.4M | $53.8M | $74.3M | $146.2M | $166.2M | $181.9M | $198.2M | $205.1M |
| Depreciação e Amortização | $11.1M | $10.5M | $10.2M | $9.7M | $23.8M | $23.9M | $24.3M | $27.3M | $26.8M | $25.4M |
| Compensação em Ações | $1.3M | $1.0M | $1.4M | $2.1M | $2.2M | $6.2M | $4.2M | $5.0M | $7.2M | $6.2M |
| Variação Capital de Giro | -$6.5M | $11.6M | $19.6M | -$19.0M | -$55.3M | $16.3M | -$6.5M | $713000 | -$35.3M | $110.9M |
| Fluxo de Caixa Operacional | $78.5M | $151.4M | $133.4M | $109.6M | $35.0M | $100.0M | $164.5M | $295.7M | $252.5M | $217.7M |
| CapEx | -$5.3M | -$6.5M | -$11.5M | -$13.0M | -$15.3M | -$23.1M | -$31.0M | -$17.9M | -$41.7M | -$18.4M |
| Aquisições | 0 | 0 | 0 | $67.3M | -$402000 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$2.2M | -$141.9M | -$65.0M | -$20.3M | -$74.7M | -$91.6M |
| Dividendos Pagos | -$24.0M | -$24.4M | -$24.8M | -$20.9M | -$20.9M | -$21.0M | -$30.1M | -$41.0M | -$45.6M | -$51.9M |
| Fluxo de Caixa Livre | $73.2M | $145.0M | $121.9M | $96.7M | $19.7M | $77.0M | $133.5M | $277.8M | $210.8M | $199.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $39.5M | $59.2M | $73.1M | $53.2M |
| CapEx | -$4.0M | -$5.9M | -$4.4M | -$8.1M |
| Fluxo de Caixa Livre | $35.5M | $53.3M | $68.8M | $45.1M |
| Dividendos Pagos | -$13.5M | -$13.4M | -$13.1M | -$14.9M |
| Compensação em Ações | $1.5M | $1.6M | $1.4M | $1.6M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +0.5% | +3.4% | +7.2% | +25.9% | -0.4% | +11.0% | +21.7% | +13.0% | +4.8% |
| Crescimento Lucro Líquido (anual) | | -11.0% | +60.3% | -36.2% | +38.0% | +96.6% | +13.7% | +9.4% | +9.0% | +3.5% |
| Crescimento LPA (anual) | | -14.6% | +80.7% | -41.5% | +41.9% | +115.9% | +21.4% | +11.3% | +10.4% | +6.6% |
| Variação de Ações (anual) | | +0.0% | +0.5% | +0.7% | -0.3% | -0.4% | -5.7% | -1.8% | -1.4% | +1.0% |
| Crescimento FCF (anual) | | +98.0% | -15.9% | -20.7% | -79.6% | +290.9% | +73.3% | +108.2% | -24.1% | -5.4% |
| Margem Bruta | 68.3% | 60.1% | 74.9% | 65.6% | 70.9% | 92.2% | 90.4% | 79.6% | 70.3% | 71.2% |
| Margem Operacional | 22.1% | 17.6% | 33.1% | 17.5% | 17.5% | 39.8% | 40.8% | 36.4% | 30.8% | 30.8% |
| Margem EBITDA | 24.9% | 20.3% | 35.7% | 19.8% | 21.9% | 44.2% | 44.9% | 40.1% | 34.1% | 33.1% |
| Margem Líquida | 15.3% | 13.6% | 21.1% | 12.5% | 13.7% | 27.1% | 27.8% | 25.0% | 24.1% | 23.8% |
| Margem FCF | 19.0% | 37.4% | 30.4% | 22.5% | 3.6% | 14.3% | 22.3% | 38.2% | 25.6% | 23.1% |
| Taxa Efetiva de Imposto | 30.5% | 22.7% | 36.4% | 28.5% | 21.6% | 31.9% | 31.9% | 31.4% | 21.9% | 12.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.43 | $2.84 | $2.37 | $1.87 | $0.38 | $1.50 | $2.76 | $5.84 | $4.49 | $4.21 |
| Dividendo por Ação | $0.47 | $0.48 | $0.48 | $0.40 | $0.41 | $0.41 | $0.62 | $0.86 | $0.97 | $1.10 |
| Ações em Circulação (Básicas) | $43.9M | $43.9M | $45.4M | $51.3M | $51.4M | $51.0M | $48.0M | $47.3M | $46.6M | $46.6M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 12.72 | 10.68 | 10.35 | 25.39 | 14.05 | 9.32 | 7.97 | 9.74 | 9.96 | 9.05 |
| P/VP | 0.63 | 0.44 | 0.75 | 1.16 | 0.88 | 1.27 | 1.27 | 1.48 | 1.57 | 1.37 |
| P/V | 1.49 | 1.07 | 1.86 | 2.82 | 1.76 | 2.51 | 2.21 | 2.43 | 2.40 | 2.21 |
| Margem Bruta | 68.3% | 60.1% | 74.9% | 65.6% | 70.9% | 92.2% | 90.4% | 79.6% | 70.3% | 71.2% |
| Margem Operacional | 22.1% | 17.6% | 33.1% | 17.5% | 17.5% | 39.8% | 40.8% | 36.4% | 30.8% | 30.8% |
| Margem Líquida | 15.3% | 13.6% | 21.1% | 12.5% | 13.7% | 27.1% | 27.8% | 25.0% | 24.1% | 23.8% |