OFG Bancorp
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $175.00M | $559.86M | $-782.70M | $7.91M |
| FY2015 | $97.08M | $153.04M | $-286.84M | $5.28M |
| FY2016 | $78.51M | $568.06M | $-672.84M | $5.30M |
| FY2017 | $151.44M | $187.30M | $-363.98M | $6.47M |
| FY2018 | $133.36M | $-488.77M | $317.24M | $11.49M |
| FY2019 | $109.62M | $842.17M | $-549.10M | $12.97M |
| FY2020 | $34.96M | $757.50M | $510.36M | $15.26M |
| FY2021 | $100.04M | $-182.93M | $-49.04M | $23.05M |
| FY2022 | $164.46M | $-1.51B | $-124.71M | $31.00M |
| FY2023 | $295.66M | $-1.40B | $1.31B | $17.86M |
| FY2024 | $252.50M | $-335.98M | $-73.56M | $21.34M |
| FY2025 | $217.72M | $-438.38M | $669.86M | $18.38M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.