First BanCorp.
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
11.50
Price/Sales ratio
4.41
Earnings per Share (EPS)
$1.85

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
3.1132.2615.0816.299.2013.7019.5510.307.959.5810.199.20
Price/Sales ratio
2.321.302.642.083.213.542.863.46102.953.362.683.54
Price/Book Value ratio
0.730.400.780.580.901.020.871.371.831.931.810.90
Price/Cash Flow ratio
4.622.627.054.626.437.796.717.245.507.997.956.43
Price/Free Cash Flow ratio
5.052.757.444.816.928.437.107.495.778.538.136.92
Price/Earnings Growth ratio
-0.00-0.340.04-0.510.04-0.74-0.490.050.371.271.160.04
Dividend Yield
N/AN/A0.01%0.24%0.49%1.44%2.30%2.33%3.61%3.43%3.42%0.49%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%34.84%100%
Operating Profit Margin
3.90%24.93%2.17%30.37%50.26%36.95%16.64%51.18%2184.29%45.02%48.36%36.95%
Pretax Profit Margin
17.38%5.27%24.51%11.85%33.01%36.95%16.64%51.18%1898.71%46.03%33.36%33.01%
Net Profit Margin
74.44%4.05%17.54%12.80%34.91%25.84%14.63%33.62%1294.15%35.08%26.55%25.84%
Effective Tax Rate
-328.08%23.15%28.42%-8.02%-5.75%30.07%12.07%34.31%31.84%23.79%20.40%-5.75%
Return on Assets
3.08%0.16%0.78%0.54%1.64%1.32%0.54%1.35%1.63%1.60%1.60%1.60%
Return On Equity
23.46%1.25%5.21%3.58%9.86%7.51%4.49%13.37%23.01%20.22%19.61%9.86%
Return on Capital Employed
0.16%1.06%0.10%1.31%2.39%1.92%0.62%2.07%2.79%2.05%4.05%2.39%
Liquidity Ratios
Current Ratio
0.070.000.020.060.050.056.08N/AN/AN/A0.140.05
Quick Ratio
7.343.075.3223.9726.9522.3030.0957.1431.81N/A0.1422.30
Cash ratio
6.762.060.594.864.453.025.1811.822.06N/A0.123.02
Days of Sales Outstanding
35.1833.8331.2139.89242.67261.87283.42277.941.07K32.8521.50261.87
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A21.50N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A21.50N/A
Debt Ratios
Debt Ratio
0.040.050.070.070.070.050.030.010.040.030.030.05
Debt Equity Ratio
0.330.400.490.490.450.330.270.180.640.440.350.35
Long-term Debt to Capitalization
0.240.280.330.330.310.250.210.150.220.300.190.25
Total Debt to Capitalization
0.240.280.330.330.310.250.210.150.390.300.260.26
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A2.43N/A
Cash Flow to Debt Ratio
0.470.380.220.250.310.390.471.040.510.540.630.31
Company Equity Multiplier
7.617.426.676.555.985.668.269.8814.0512.6211.085.98
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.500.490.370.450.490.450.420.4718.680.420.340.45
Free Cash Flow / Operating Cash Flow Ratio
0.910.950.940.960.920.920.940.960.950.930.970.92
Cash Flow Coverage Ratio
0.470.380.220.250.310.390.471.040.510.540.630.31
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A0.92N/A1.84N/A
Dividend Payout Ratio
N/AN/A0.23%3.99%4.55%19.73%45.06%24.01%28.78%32.90%34.16%4.55%