Is OFG BANCORP (OFG) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 33.1% | |
| Net Margin | 32.9% | |
| Return on Equity (ROE) | 15.5% | |
| Return on Assets (ROA) | 1.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $218M |
| Free Cash Flow | $199M |
| Total Debt | $480M |
| Total Assets | $12.5B |
Price & Trading
| Last Close | $40.59 |
| 50-Day MA | $40.36 |
| 200-Day MA | $41.80 |
| Avg Volume | 351K |
| Beta | 0.7 |
|
52-Week Range
$33.15
| |
About OFG BANCORP (OFG)
OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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Frequently Asked Questions
Is OFG BANCORP (OFG) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), OFG BANCORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is OFG BANCORP's debt ratio?
OFG BANCORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are OFG BANCORP's key financial metrics?
OFG BANCORP has a market capitalization of $1.7B, trailing P/E ratio of 8.8, and revenue of $675M. Return on equity stands at 15.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.