OFG Bancorp

OFG Bancorp

OFG
OFG BancorpUS flagNew York Stock Exchange
44.73
USD
-0.84
- -
1.89BMarket Cap

Income Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
168
200
401
399
317
329
346
356
379
484
497
565
640
661
680
+ Sales & Services Revenue
168
200
401
399
317
329
346
356
379
484
497
565
640
661
680
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
59
60
109
102
96
92
92
89
92
151
152
161
176
179
187
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-59
-60
-109
-102
-96
-92
-92
-89
-92
-151
-152
-161
-176
-179
-187
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
-35
-28
-90
-122
20
-85
-68
-133
-75
-95
-215
-244
-265
-254
-234
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-35
-28
-90
-122
20
-85
-68
-133
-75
-95
-215
-244
-265
-254
-234
Pretax Income
35
28
90
122
-20
85
68
133
75
95
215
244
265
254
234
- Income Tax Expense (Benefit)
1
3
-9
37
-18
26
15
48
21
20
68
78
83
56
29
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
34
25
98
85
-3
59
53
84
54
74
146
166
182
198
205
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
34
25
98
85
-3
59
53
84
54
74
146
166
182
198
205
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
34
25
98
85
-3
59
53
84
54
74
146
166
182
198
205
- Preferred Dividends
5
10
14
14
14
14
14
12
7
7
1
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
30
15
85
71
-16
45
39
72
47
68
145
166
182
198
205
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
6
5
13
12
13
11
10
10
10
24
24
24
27
27
25
EBITDA Margin (%)
3.34
2.54
3.21
3.1
4.1
3.38
3.02
2.87
2.56
4.91
4.81
4.3
4.26
4.05
3.73
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
20.45
12.29
24.52
21.34
-0.79
18
15.2
23.68
14.21
15.35
29.39
29.42
28.41
29.98
30.15
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.31
0.48
0.54
0.63
0.71
0.55
0.56
0.55
0.41
0.41
0.41
0.63
0.87
0.98
1.16
Depreciation Expense
6
5
13
12
13
11
10
10
10
24
24
24
27
27
25
Basic Weighted Avg Shares
45
42
46
45
44
44
44
45
51
52
51
48
47
47
45
Basic EPS, GAAP
0.67
0.35
1.85
1.58
-0.37
1.03
0.88
1.59
0.92
1.32
2.84
3.46
3.85
4.25
4.6
Basic EPS from Cont Ops
0.77
0.59
2.15
1.89
-0.06
1.35
1.2
1.86
1.05
1.44
2.87
3.46
3.85
4.25
4.6
Diluted Weighted Avg Shares
45
45
53
52
51
51
51
51
52
52
51
48
48
47
45
Diluted EPS, GAAP
0.67
0.32
1.59
1.36
-0.32
0.89
0.76
1.41
0.92
1.32
2.82
3.43
3.82
4.23
4.58
Diluted EPS from Cont Ops
0.77
0.54
1.86
1.63
-0.05
1.16
1.03
1.64
1.04
1.44
2.85
3.43
3.82
4.23
4.58

Balance Sheet (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
3,551
3,063
2,210
1,790
1,511
1,262
1,131
1,289
1,925
2,601
2,036
859
1,045
592
1,042
+ Cash & Cash Equivalents
591
869
621
573
537
510
485
447
851
2,154
2,023
550
748
591
1,040
+ ST Investments
2,960
2,194
1,588
1,217
975
751
646
842
1,074
446
13
309
297
1
2
+ Accounts & Notes Receiv
21
23
27
43
27
27
54
2
- -
66
57
62
71
72
- -
+ Accounts Receivable, Net
20
15
19
21
21
20
50
34
37
66
57
62
71
72
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
1
9
9
21
6
6
4
-32
-37
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-3,573
-3,086
-2,237
-1,833
-1,538
-1,288
-1,185
-1,291
-1,926
-2,666
-2,093
-922
-1,117
-664
-1,042
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
22
85
83
81
75
70
68
69
120
115
121
132
126
124
115
+ Property, Plant & Equip
56
121
129
133
127
131
136
133
186
192
194
204
202
217
209
- Accumulated Depreciation
35
36
46
53
52
60
68
64
65
77
73
72
76
93
95
+ LT Investments & Receivables
3,844
2,195
1,590
1,381
1,595
1,352
1,152
1,271
1,079
460
898
1,976
2,695
2,731
2,854
+ LT Investments
3,844
2,195
1,590
1,381
1,595
1,352
1,152
1,271
1,079
460
898
1,976
2,695
2,731
2,854
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-3,866
-2,280
-1,673
-1,461
-1,670
-1,422
-1,220
-1,340
-1,199
-575
-1,019
-2,108
-2,820
-2,855
-2,969
+ Total Intangible Assets
14
111
112
110
101
102
101
100
194
179
171
163
154
169
160
+ Goodwill
3
86
86
86
86
86
86
86
86
86
86
84
84
84
84
+ Other Intangible Assets
12
25
26
24
15
16
15
14
108
93
85
79
70
85
76
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-3,880
-2,391
-1,785
-1,571
-1,771
-1,524
-1,320
-1,440
-1,393
-754
-1,190
-2,271
-2,975
-3,024
-3,130
Total Assets
6,694
9,212
8,158
7,449
7,099
6,502
6,189
6,583
9,298
9,826
9,900
9,819
11,344
11,501
12,466
+ Payables & Accruals
29
118
144
133
92
95
87
88
186
154
96
125
- -
- -
- -
+ Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
29
118
144
133
92
95
87
88
186
154
96
125
- -
- -
- -
+ ST Debt
- -
92
- -
- -
- -
- -
- -
34
41
30
28
27
1
271
57
+ ST Borrowings
- -
92
- -
- -
- -
- -
- -
34
41
30
28
27
1
271
57
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-29
-210
-144
-133
-92
-95
-87
-121
-226
-185
-125
-152
-1
-271
-57
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-29
-210
-144
-133
-92
-95
-87
-121
-226
-185
-125
-152
-1
-271
-57
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
430
699
440
440
437
142
136
81
114
105
67
28
224
76
423
+ LT Borrowings
430
699
440
440
437
142
136
81
75
72
36
- -
200
55
400
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
40
33
30
27
24
21
23
+ Other LT Liabilities
-430
-699
-440
-440
-437
-142
-136
-81
-114
-105
-67
-28
-224
-76
-423
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
22
41
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-430
-699
-440
-440
-437
-142
-136
-81
-114
-105
-67
-28
-246
-117
-423
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
5,999
8,348
7,273
6,507
6,202
5,581
5,244
5,583
8,252
8,740
8,831
8,776
10,151
10,246
11,076
+ Preferred Equity and Hybrid Capital
68
176
176
176
176
176
176
92
92
92
- -
- -
- -
- -
- -
+ Share Capital & APIC
547
590
591
592
593
594
594
679
681
683
697
697
699
700
703
+ Common Stock
48
53
53
53
53
53
53
60
60
60
60
60
60
60
60
+ Additional Paid in Capital
499
537
538
539
541
541
542
619
622
623
637
637
639
640
643
- Treasury Stock
75
81
81
97
105
105
105
104
102
103
151
211
228
297
389
+ Retained Earnings
68
71
134
181
149
178
201
253
280
300
400
516
639
772
905
+ Other Equity
87
108
65
90
84
78
79
79
95
114
123
40
84
80
172
Equity Before Minority Interest
696
864
885
942
897
920
945
1,000
1,045
1,086
1,069
1,042
1,193
1,254
1,390
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
696
864
885
942
897
920
945
1,000
1,045
1,086
1,069
1,042
1,193
1,254
1,390
Total Liabilities & Equity
6,694
9,212
8,158
7,449
7,099
6,502
6,189
6,583
9,298
9,826
9,900
9,819
11,344
11,501
12,466
Shares Outstanding
41
46
46
45
44
44
44
51
51
51
50
48
47
45
43
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
40
33
30
27
24
21
23
Net Debt
-162
-77
-181
-134
-100
-369
-349
-332
-736
-2,052
-1,959
-523
-547
-265
-584
Net Debt to Equity
-23.26
-8.95
-20.51
-14.17
-11.13
-40.07
-36.96
-33.22
-70.4
-188.94
-183.22
-50.2
-45.87
-21.14
-42
Tangible Common Equity Ratio
9.18
6.33
7.42
8.94
8.86
10.04
10.98
12.46
8.34
8.45
9.23
9.11
9.29
9.57
9.99
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
34
25
98
85
-3
59
53
84
54
74
146
166
182
198
205
+ Depreciation & Amortization
6
5
13
12
13
11
10
10
10
24
24
24
27
27
25
+ Non-Cash Items
-54
-3
26
103
114
15
77
19
65
-8
-86
-20
86
63
-124
+ Stock-Based Compensation
1
2
2
1
2
1
1
1
2
2
6
4
5
7
6
+ Deferred Income Taxes
-2
2
-11
24
-37
23
-4
15
-4
28
64
61
67
22
-154
+ Asset Impairment Charge
15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
-69
-6
35
77
149
-10
79
3
67
-38
-156
-85
13
34
24
+ Chg in Non-Cash Work Cap
-26
23
37
-25
-27
-7
12
20
-19
-55
16
-7
1
-35
111
+ (Inc) Dec in Accts Receiv
7
-1
-6
-4
- -
- -
-31
17
10
-34
9
-6
-6
- -
4
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
-38
19
18
-33
-15
4
28
-2
-28
-17
18
-34
- -
-5
47
+ Inc (Dec) in Other
5
5
25
12
-13
-10
14
4
-1
-4
-11
33
6
-31
60
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
-40
50
174
175
97
79
151
133
110
35
100
164
296
252
218
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
1
- -
- -
- -
1
2
2
- -
1
5
- -
- -
1
+ Disp of Fixed Prod Assets
- -
- -
1
- -
- -
- -
1
2
2
- -
1
5
- -
- -
1
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-3
-2
-9
-8
-5
-5
-6
-11
-13
-15
-23
-31
-18
-42
-18
+ Acq of Fixed Prod Assets
-3
-2
-9
-8
-5
-5
-6
-11
-13
-15
-23
-31
-18
-21
-18
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-20
- -
+ Cash (Repurchase) of Equity
-59
42
- -
-17
-9
- -
- -
- -
- -
-2
-50
-64
-19
-70
-92
+ Increase in Capital Stock
- -
49
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
-59
-7
- -
-17
-9
- -
- -
- -
- -
-2
-50
-64
-19
-70
-92
+ Net Change in LT Investment
703
2,211
683
382
-120
342
269
-56
844
729
-300
-1,064
-578
30
17
+ Dec in LT Investment
1,510
3,991
716
768
381
548
451
216
846
891
117
404
498
1,362
548
+ Inc in LT Investment
-807
-1,780
-33
-386
-501
-206
-182
-272
-2
-162
-417
-1,468
-1,076
-1,332
-531
+ Net Cash From Acq & Div
- -
-105
- -
- -
- -
- -
- -
- -
67
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
395
- -
- -
- -
- -
- -
- -
493
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
-500
- -
- -
- -
- -
- -
- -
-425
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
158
107
44
186
278
231
-76
-423
-58
44
140
-423
-809
-324
-438
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
858
2,211
719
560
153
568
187
-489
842
758
-183
-1,513
-1,405
-336
-438
+ Dividends Paid
-14
-20
-25
-28
-32
-24
-24
-25
-21
-21
-21
-30
-41
-46
-52
+ Net Cash From Debt
-3
-84
-350
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash From Debt
- -
21
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Repayments of Debt
-3
-105
-350
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Financing Activities
-592
-1,935
-751
-738
-246
-649
-340
342
-528
533
22
-31
1,366
42
813
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
-667
-1,997
-1,126
-783
-287
-673
-364
317
-549
510
-49
-125
1,307
-74
670
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
151
264
-234
-48
-37
-26
-25
-38
403
1,303
-132
-1,473
198
-157
449
EBITDA
6
5
13
12
13
11
10
10
10
24
24
24
27
27
25
EBITDA Margin (%)
3.34
2.54
3.21
3.1
4.1
3.38
3.02
2.87
2.56
4.91
4.81
4.3
4.26
4.05
3.73
Free Cash Flow
-43
48
165
167
92
73
145
122
97
20
77
133
278
211
199
Net Cash Paid for Acquisitions
- -
105
- -
- -
- -
- -
- -
- -
-67
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
-43
48
- -
167
- -
73
145
122
97
20
77
133
278
211
199
Free Cash Flow to Equity
-50
62
-199
153
78
59
132
28
92
13
-16
138
278
231
201
Free Cash Flow per Basic Share
-0.97
1.16
3.6
3.71
2.08
1.67
3.3
2.68
1.88
0.38
1.51
2.78
5.88
4.52
4.47
Price/Free Cash Flow
-11.09
8.84
3.9
3.76
3
6.69
2.61
5.11
8.83
17.25
10.21
6.46
5.54
6.75
7.77
Cash Flow to Net Income
-1.15
2.05
1.77
2.05
-38.77
1.33
2.88
1.58
2.04
0.47
0.68
0.99
1.63
1.27
1.06
Capital Expenditures
-3
-2
-9
-8
-5
-5
-6
-11
-13
-15
-23
-31
-18
-42
-18