Company / FCF Margin
First BanCorp (Puerto Rico) FCF Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
34.9%
FY2025
5-year range
29.4% / 42.6%
FY2021-FY2025
Trend
+8.4%
vs FY2024
Sector context
#62 of 206
Financials
What the data says
At 34.9%, First BanCorp (Puerto Rico)'s fcf margin ranks #62 of 206 in the Financials sector. FCF Margin has fluctuated over the past 10 years, ranging from 28.1% in FY2018 to 42.6% in FY2022.
Based on SEC 10-K filings.
34.9% in FY2025 with a 5-year CAGR of -3.0%.
Improved from 29.4% to 34.9% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- -7.7pp
- 5-Year Change
- -3.0pp
- 10-Year Change
- -
Sector benchmark
#62 of 206 in FinancialsTop 30% of 206This company 34.9% Sector average 207.7%
▼
-83.2% below sector average
Key checks
Key Insights
- In FY2025, fcf margin increased 8.4% year-over-year.
- Currently 172.8pp below the Financials sector average.
- Peak fcf margin was recorded in FY2022.
- Lowest fcf margin in the period was in FY2018.
Company context
Key Data Points
- Altman Z-Score 0.21 (distress zone, below 1.8 threshold)
- Strong profit margin: 24.4%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 34.9% | +8.4% |
| FY2024 | 32.1% | +9.2% |
| FY2023 | 29.4% | -30.9% |
| FY2022 | 42.6% | +1.0% |
| FY2021 | 42.2% | +11.4% |
| FY2020 | 37.9% | +8.8% |
| FY2019 | 34.8% | +24.0% |
| FY2018 | 28.1% | -22.7% |
| FY2017 | 36.3% | +4.3% |
| FY2016 | 34.8% | -33.5% |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026