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OFG Bancorp OFG Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Discount Rate

Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Discount Rate at other companies

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10.8%+0.1pp

Other financials

Income statement

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Revenue$186.0M+4.1%
Net income$53.9M+18.4%
EPS (diluted)$1.26+26.0%

Balance sheet

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Cash & equivalents$636.5M-10.4%
Total debt$22.1M+6.2%
Total equity$1.4B+5.5%
Total assets$12.0B+2.7%

Cash flow

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Operating cash flow$73.1M-12.0%
CapEx$4.4M+0.1%
Free cash flow$68.8M-12.6%

Valuation

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Market cap$2.03B-5.5%
Enterprise value$1.42B-2.2%
P/E9.5×-1.6×
P/S2.8×-0.3×

Profitability

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Net margin28.9%+1.8pp
FCF margin25.6%-10.0pp

Returns & leverage

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Return on equity16%+0.6pp
Debt / equity0.0×

Where this comes from

Reported directly by OFG Bancorp in its filing.

Tagged under the XBRL concept us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate.

The official record: OFG Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OFG Bancorp's sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate?
OFG Bancorp (OFG) reported sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate of 575,000,000% in Q1 2026.
How has OFG Bancorp's sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate changed year-over-year?
OFG Bancorp's sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate decreased by 1.5% year-over-year, from 583,500,000% to 575,000,000%.
What is the long-term trend for OFG Bancorp's sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate?
Over 5 years (2020 to 2025), OFG Bancorp's sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate has grown at a 8.9% compound annual growth rate (CAGR), from -365,300,000% to 560,100,000%.
What does sensitivity analysis of fair value, transferor's interests in transferred financial assets, impact of 20 percent adverse change in discount rate mean?
This metric quantifies the impact on the fair value of retained interests in transferred financial assets given a 20 percent adverse change in the discount rate. It serves as a stress-test indicator for the company's asset valuation models under more severe market volatility. A higher sensitivity indicates greater exposure to interest rate fluctuations and potential impairment risks.