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First BanCorp

NYSE:FBPFinancial ServicesCBOEFTSE:MRUTSTOXX:EDD24BP

$27.58+1.66%At closeAt close · Wed 21 Oct · ≈ AED 101.29 · Market cap $4.21B · Next earnings Thu 22 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	65.8%	100.1%	90.0%	73.9%	70.7%	72.9%	—	—
Operating margin	15.1%	48.5%	46.9%	35.4%	32.8%	33.2%	33.2%	+0.0 pts
Net margin	13.3%	31.9%	32.0%	27.0%	25.0%	27.4%	27.4%	+0.0 pts
EBITDA margin	18.4%	52.6%	50.2%	37.9%	34.9%	34.8%	—	—
Return on equity	4.5%	13.4%	23.0%	20.2%	17.9%	17.5%	17.5%	+0.0 pts
Return on assets	0.5%	1.4%	1.6%	1.6%	1.5%	1.8%	1.8%	+0.0 pts
Return on capital employed	4.0%	17.2%	26.2%	16.9%	16.2%	2.2%	—	—
Debt / equity	0.4×	0.3×	0.7×	0.4×	0.3×	0.2×	0.2×	+0.0%
Debt / assets	4.9%	3.3%	5.0%	3.5%	2.9%	1.9%	—	—
Interest coverage	1.3×	6.6×	6.6×	1.8×	1.4×	1.6×	—	—
Current ratio	0.4×	0.5×	0.4×	0.4×	0.3×	6.9×	6.9×	+0.0%
Quick ratio	0.4×	0.5×	0.4×	0.4×	0.3×	6.9×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.1×	6.1×	6.1×	+0.0%
Asset turnover	0.0×	0.0×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	11.1×	14.3×	13.7×	14.5×	16.6×	17.6×	—	—
Dividend payout	45.1%	24.0%	28.8%	32.9%	35.3%	33.5%	—	—