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FIRST BANCORP /PR/

FBP

$25.93 ▼ -0.60 (-2.24%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIRST BANCORP /PR/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $4.1B

Dividend Yield 2.78%

Revenue Growth 6.7% ↗

Op. Margin 41.6% →

ROIC None

FCF / Share None

Trailing P/E 12.0x

Price / Book 2.1x

FCF Yield —

Debt / Equity 0.15

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.00B

↑ +6.7% —

Net Income Profit after all expenses

$344.87M

↑ +15.4% —

Operating Margin Operating profit as % of sales

41.6%

— -0.1% 94th

Long-Term Debt Long-term obligations

$290.00M

↓ -48.4% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.72 Latest / share

+12.5% YoY

$0.00

FY 2014

$0.00

FY 2015

$0.00

FY 2016

FY 2017

$0.03

FY 2018

$0.14

FY 2019

$0.20

FY 2020

$0.31

FY 2021

$0.46

FY 2022

$0.56

FY 2023

$0.64

FY 2024

$0.72

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	1.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	7.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	19.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+227%)	8.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	8.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	-3.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+167%)	-2.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	-13.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-325%)	-12.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-306%)	—	—
EPS Growth YoY (%)	18.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	21.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	187.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	206.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-31.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	340.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-94.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-94.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	79.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	15.4% Good ↑ Good Improving Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	-0.7% Weak ↓ Weak Declining Year-over-year change in net income	8.6% Fair ↓ Fair Declining Year-over-year change in net income	174.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-38.9% Weak ↓ Weak Declining Year-over-year change in net income	-17.0% Weak ↓ Weak Declining Year-over-year change in net income	201.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.2% Weak ↓ Weak Declining Year-over-year change in net income	337.8% Excellent Excellent Year-over-year change in net income	-94.6% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	84.3% Excellent Excellent Year-over-year change in net income	-90.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-4.8% Weak Weak Compound annual revenue growth over 3 years	-8.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.1% Weak Weak Compound annual revenue growth over 5 years	-2.6% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	10.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	11.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	55.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	28.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	15.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	20.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	109.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-45.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-12.6% Weak Weak Compound annual EPS growth over 3 years	-11.1% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	41.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	41.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	42.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	48.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	50.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	16.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	11.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	22.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	4.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	33.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	-9.7% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	27.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	3.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	-58.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-336%)	—	—
Effective Tax Rate (%) (%)	17.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-155.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-10.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	58.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	-30.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	34.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	31.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	32.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	33.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	33.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	25.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	33.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	12.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	16.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	3.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	67.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+208%)	-32.9% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-250%)	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	-16.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-175%)	-90.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-511%)	-41.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-289%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	17.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	17.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+69%)	23.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+92%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	23.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+96%)	-13.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-213%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	-5.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-49.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-513%)	-17.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-243%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.34x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$6.26	$5.70	$5.27	$4.81	$4.05K	$3.28K	$3.04K	$2.82K	$2.59K	$2.69	$2.76	$2.78	$2.43	$2.49	$7.78	$51.24	—	—
Basic EPS, GAAP (USD)	$2.16	$1.82	$1.72	$1.60	$1.32	$0.46	$0.76	$0.92	$0.30	$0.44	$0.10	$1.89	$-0.80	$0.15	$2.69	$-10.79	$-52.22	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.72	$0.64	$0.56	$0.46	$0.31	$0.20	$0.14	$0.03	—	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$2.10	—
Book Value per Share (USD)	$12.56	$10.19	$8.85	$7.25	$10.41	$10.43	$10.25	$9.41	$8.64	$8.21	$7.88	$7.85	$5.87	$7.20	$7.04	$93.54	—	—
Tangible Book Value per Share (USD)	$12.31	$9.95	$8.62	$7.04	$10.22	$10.25	$10.12	$9.28	$8.51	$8.09	$7.75	$7.72	$5.74	$7.06	$6.90	$93.54	—	—
Basic Weighted Avg Shares (shares)	159.96M	164.55M	176.50M	190.81M	210,122	216,904	216,614	215,709	213,963	212.82M	211.46M	208.75M	205.54M	205.37M	64.47M	11.31M	—	—
Dividend Payout Ratio (%)	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	35.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	28.7% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	23.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-4.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$290.00M	$561.70M	$661.70M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$1.97B	$1.67B	$1.50B	$1.33B	$2.10B	$2.28B	$2.23B	$2.04B	$1.87B	$1.79B	$1.69B	$1.67B	$1.22B	$1.49B	$1.44B	$1.06B	$1.60B	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.00B	$938.20M	$929.80M	$918.38M	$851.09M	$711.55M	$657.65M	$607.69M	$553.94M	$572.07M	$583.59M	$579.42M	$499.46M	$511.10M	$501.49M	$579.58M	$661.31M	—
Net Income, GAAP (USD)	$344.87M	$298.72M	$302.86M	$305.07M	$281.02M	$102.27M	$167.38M	$201.61M	$66.96M	$93.23M	$21.30M	$392.29M	$-164.49M	$29.78M	$-82.23M	$-524.31M	$-275.19M	—
Operating Cash Flow (USD)	$448.56M	$404.15M	$362.96M	$440.49M	$399.72M	$297.74M	$294.28M	$288.32M	$235.96M	$199.43M	$261.89M	$264.35M	$341.69M	$228.85M	$156.92M	$237.17M	$243.25M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	4.5%	4.2%	4.2%	4.3%	3.5%	3.2%	4.5%	4.3%	4.0%	4.1%	4.0%	4.1%	4.1%	3.5%	3.0%	—	—	—
Efficiency Ratio (%) (%)	49.8%	51.9%	50.7%	48.2%	57.5%	59.6%	57.5%	58.9%	62.8%	62.1%	65.8%	65.3%	83.1%	69.4%	67.4%	63.2%	53.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 66 quarters

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