POPULAR INC (BPOP) Fundamental Analysis & Valuation

NASDAQ:BPOP • PR7331747001

Current stock price

130.86 USD
+1.94 (+1.5%)
At close:
130.86 USD
0 (0%)
After Hours:

This BPOP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BPOP Profitability Analysis

1.1 Basic Checks

  • BPOP had positive earnings in the past year.
  • BPOP had a positive operating cash flow in the past year.
  • BPOP had positive earnings in each of the past 5 years.
  • Of the past 5 years BPOP 4 years had a positive operating cash flow.
BPOP Yearly Net Income VS EBIT VS OCF VS FCFBPOP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • BPOP's Return On Assets of 1.03% is fine compared to the rest of the industry. BPOP outperforms 60.63% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.68%, BPOP belongs to the top of the industry, outperforming 83.99% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 12.68%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.12%
ROE(3y)11.57%
ROE(5y)15.45%
ROIC(3y)N/A
ROIC(5y)N/A
BPOP Yearly ROA, ROE, ROICBPOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • BPOP's Profit Margin of 24.77% is in line compared to the rest of the industry. BPOP outperforms 49.08% of its industry peers.
  • BPOP's Profit Margin has improved in the last couple of years.
  • BPOP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.77%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.23%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
BPOP Yearly Profit, Operating, Gross MarginsBPOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. BPOP Health Analysis

2.1 Basic Checks

  • BPOP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BPOP has less shares outstanding
  • Compared to 5 years ago, BPOP has less shares outstanding
  • The debt/assets ratio for BPOP is higher compared to a year ago.
BPOP Yearly Shares OutstandingBPOP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BPOP Yearly Total Debt VS Total AssetsBPOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of BPOP is 1.80, which is an excellent value as it means it would take BPOP, only 1.80 years of fcf income to pay off all of its debts.
  • BPOP has a Debt to FCF ratio of 1.80. This is comparable to the rest of the industry: BPOP outperforms 55.12% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that BPOP is not too dependend on debt financing.
  • BPOP's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. BPOP outperforms 48.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC19.05%
BPOP Yearly LT Debt VS Equity VS FCFBPOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPOP Yearly Current Assets VS Current LiabilitesBPOP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BPOP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.85% over the past year.
  • Measured over the past years, BPOP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.99% on average per year.
  • The Revenue has grown by 8.77% in the past year. This is quite good.
  • BPOP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.19% yearly.
EPS 1Y (TTM)38.85%
EPS 3Y-5.28%
EPS 5Y15.99%
EPS Q2Q%40.64%
Revenue 1Y (TTM)8.77%
Revenue growth 3Y1.44%
Revenue growth 5Y6.19%
Sales Q2Q%-10.23%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.53% on average over the next years. This is quite good.
  • Based on estimates for the next years, BPOP will show a quite strong growth in Revenue. The Revenue will grow by 13.41% on average per year.
EPS Next Y17.59%
EPS Next 2Y14.99%
EPS Next 3Y13.53%
EPS Next 5YN/A
Revenue Next Year26.67%
Revenue Next 2Y15.89%
Revenue Next 3Y13.41%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BPOP Yearly Revenue VS EstimatesBPOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
BPOP Yearly EPS VS EstimatesBPOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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5

4. BPOP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.46, the valuation of BPOP can be described as very reasonable.
  • Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than 66.93% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.73. BPOP is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.90, the valuation of BPOP can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, BPOP is valued a bit cheaper than 72.18% of the companies in the same industry.
  • BPOP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 10.46
Fwd PE 8.9
BPOP Price Earnings VS Forward Price EarningsBPOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 62.20% of the companies in the same industry are cheaper than BPOP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.36
EV/EBITDA N/A
BPOP Per share dataBPOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BPOP's earnings are expected to grow with 13.53% in the coming years.
PEG (NY)0.59
PEG (5Y)0.65
EPS Next 2Y14.99%
EPS Next 3Y13.53%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BPOP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.35%, BPOP is a good candidate for dividend investing.
  • BPOP's Dividend Yield is rather good when compared to the industry average which is at 2.90. BPOP pays more dividend than 95.54% of the companies in the same industry.
  • BPOP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 6.35%

5.2 History

  • The dividend of BPOP is nicely growing with an annual growth rate of 16.51%!
  • BPOP has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of BPOP decreased recently.
Dividend Growth(5Y)16.51%
Div Incr Years1
Div Non Decr Years1
BPOP Yearly Dividends per shareBPOP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • BPOP pays out 24.73% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of BPOP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.73%
EPS Next 2Y14.99%
EPS Next 3Y13.53%
BPOP Yearly Income VS Free CF VS DividendBPOP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
BPOP Dividend Payout.BPOP Dividend Payout, showing the Payout Ratio.BPOP Dividend Payout.PayoutRetained Earnings

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BPOP Fundamentals: All Metrics, Ratios and Statistics

POPULAR INC

NASDAQ:BPOP (3/19/2026, 8:00:02 PM)

After market: 130.86 0 (0%)

130.86

+1.94 (+1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners93.17%
Inst Owner Change0.27%
Ins Owners2.27%
Ins Owner Change1.77%
Market Cap8.60B
Revenue(TTM)3.20B
Net Income(TTM)775.66M
Analysts82.5
Price Target158.1 (20.82%)
Short Float %1.83%
Short Ratio2.02
Dividend
Industry RankSector Rank
Dividend Yield 6.35%
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP24.73%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-18
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.12%
Min EPS beat(2)4.39%
Max EPS beat(2)25.85%
EPS beat(4)4
Avg EPS beat(4)16.31%
Min EPS beat(4)4.39%
Max EPS beat(4)25.85%
EPS beat(8)6
Avg EPS beat(8)11.05%
EPS beat(12)10
Avg EPS beat(12)11.92%
EPS beat(16)13
Avg EPS beat(16)17.05%
Revenue beat(2)0
Avg Revenue beat(2)-4.4%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)-3.21%
Revenue beat(4)1
Avg Revenue beat(4)2.54%
Min Revenue beat(4)-5.58%
Max Revenue beat(4)21.3%
Revenue beat(8)2
Avg Revenue beat(8)2.01%
Revenue beat(12)5
Avg Revenue beat(12)3.21%
Revenue beat(16)9
Avg Revenue beat(16)12.7%
PT rev (1m)1.37%
PT rev (3m)8.31%
EPS NQ rev (1m)0.42%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)2.63%
EPS NY rev (3m)5.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)7.6%
Revenue NY rev (3m)4.84%
Valuation
Industry RankSector Rank
PE 10.46
Fwd PE 8.9
P/S 2.75
P/FCF 14.36
P/OCF 10.62
P/B 1.41
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)12.51
EY9.56%
EPS(NY)14.71
Fwd EY11.24%
FCF(TTM)9.12
FCFY6.97%
OCF(TTM)12.32
OCFY9.41%
SpS47.64
BVpS93.06
TBVpS79.44
PEG (NY)0.59
PEG (5Y)0.65
Graham Number161.84
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 12.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.77%
GM N/A
FCFM 19.13%
ROA(3y)0.9%
ROA(5y)1.12%
ROE(3y)11.57%
ROE(5y)15.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.23%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.8
Debt/EBITDA N/A
Cap/Depr 409.91%
Cap/Sales 6.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC19.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.85%
EPS 3Y-5.28%
EPS 5Y15.99%
EPS Q2Q%40.64%
EPS Next Y17.59%
EPS Next 2Y14.99%
EPS Next 3Y13.53%
EPS Next 5YN/A
Revenue 1Y (TTM)8.77%
Revenue growth 3Y1.44%
Revenue growth 5Y6.19%
Sales Q2Q%-10.23%
Revenue Next Year26.67%
Revenue Next 2Y15.89%
Revenue Next 3Y13.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y17.51%
OCF growth 3YN/A
OCF growth 5YN/A

POPULAR INC / BPOP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of POPULAR INC (BPOP) stock?

ChartMill assigns a fundamental rating of 5 / 10 to BPOP.


Can you provide the valuation status for POPULAR INC?

ChartMill assigns a valuation rating of 5 / 10 to POPULAR INC (BPOP). This can be considered as Fairly Valued.


What is the profitability of BPOP stock?

POPULAR INC (BPOP) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for BPOP stock?

The Price/Earnings (PE) ratio for POPULAR INC (BPOP) is 10.46 and the Price/Book (PB) ratio is 1.41.


What is the financial health of POPULAR INC (BPOP) stock?

The financial health rating of POPULAR INC (BPOP) is 3 / 10.