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POPULAR INC (BPOP) Stock Fundamental Analysis

NASDAQ:BPOP - Nasdaq - PR7331747001 - Common Stock - Currency: USD

95.94  +1.15 (+1.21%)

After market: 95.94 0 (0%)

Fundamental Rating

4

Taking everything into account, BPOP scores 4 out of 10 in our fundamental rating. BPOP was compared to 398 industry peers in the Banks industry. BPOP has a bad profitability rating. Also its financial health evaluation is rather negative. BPOP is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past year BPOP was profitable.
BPOP had a positive operating cash flow in the past year.
Each year in the past 5 years BPOP has been profitable.
In the past 5 years BPOP always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

BPOP has a Return On Assets (0.84%) which is in line with its industry peers.
The Return On Equity of BPOP (10.92%) is better than 75.63% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 10.92%
ROIC N/A
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)16.1%
ROE(5y)14.47%
ROIC(3y)N/A
ROIC(5y)N/A
BPOP Yearly ROA, ROE, ROICBPOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

BPOP's Profit Margin of 20.84% is on the low side compared to the rest of the industry. BPOP is outperformed by 60.05% of its industry peers.
BPOP's Profit Margin has declined 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) 20.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.59%
PM growth 5Y-5.13%
GM growth 3YN/A
GM growth 5YN/A
BPOP Yearly Profit, Operating, Gross MarginsBPOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

3

2. Health

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
BPOP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BPOP has a worse debt to assets ratio.
BPOP Yearly Shares OutstandingBPOP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BPOP Yearly Total Debt VS Total AssetsBPOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

BPOP has a debt to FCF ratio of 1.94. This is a very positive value and a sign of high solvency as it would only need 1.94 years to pay back of all of its debts.
BPOP has a Debt to FCF ratio (1.94) which is in line with its industry peers.
BPOP has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
BPOP has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: BPOP outperforms 56.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.94
Altman-Z N/A
ROIC/WACCN/A
WACC21.7%
BPOP Yearly LT Debt VS Equity VS FCFBPOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.75% over the past year.
The Earnings Per Share has been growing slightly by 5.57% on average over the past years.
BPOP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.71%.
Measured over the past years, BPOP shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)23.75%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%36.17%
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%37.57%

3.2 Future

BPOP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.06% yearly.
Based on estimates for the next years, BPOP will show a very strong growth in Revenue. The Revenue will grow by 23.41% on average per year.
EPS Next Y12.17%
EPS Next 2Y15.81%
EPS Next 3Y15.06%
EPS Next 5YN/A
Revenue Next Year9.92%
Revenue Next 2Y8.22%
Revenue Next 3Y23.41%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BPOP Yearly Revenue VS EstimatesBPOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
BPOP Yearly EPS VS EstimatesBPOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.90 indicates a reasonable valuation of BPOP.
Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than the industry average as 72.61% of the companies are valued more expensively.
BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
Based on the Price/Forward Earnings ratio of 7.94, the valuation of BPOP can be described as very cheap.
81.66% of the companies in the same industry are more expensive than BPOP, based on the Price/Forward Earnings ratio.
BPOP is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.9
Fwd PE 7.94
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BPOP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.42
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 15.06% in the coming years.
PEG (NY)0.81
PEG (5Y)1.78
EPS Next 2Y15.81%
EPS Next 3Y15.06%

5

5. Dividend

5.1 Amount

BPOP has a Yearly Dividend Yield of 2.95%.
Compared to an average industry Dividend Yield of 3.63, BPOP has a dividend in line with its industry peers.
BPOP's Dividend Yield is comparable with the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 2.95%

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.
BPOP has decreased its dividend 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

BPOP pays out 29.45% of its income as dividend. This is a sustainable payout ratio.
BPOP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.45%
EPS Next 2Y15.81%
EPS Next 3Y15.06%
BPOP Yearly Income VS Free CF VS DividendBPOP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BPOP Dividend Payout.BPOP Dividend Payout, showing the Payout Ratio.BPOP Dividend Payout.PayoutRetained Earnings

POPULAR INC

NASDAQ:BPOP (4/24/2025, 8:00:00 PM)

After market: 95.94 0 (0%)

95.94

+1.15 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners90.69%
Inst Owner Change0.15%
Ins Owners2.02%
Ins Owner Change3.71%
Market Cap6.65B
Analysts78.67
Price Target114.47 (19.31%)
Short Float %1.51%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP29.45%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-18 2025-03-18 (0.7)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.68%
Min EPS beat(2)-8.39%
Max EPS beat(2)19.75%
EPS beat(4)2
Avg EPS beat(4)6.09%
Min EPS beat(4)-8.39%
Max EPS beat(4)19.75%
EPS beat(8)6
Avg EPS beat(8)8.04%
EPS beat(12)9
Avg EPS beat(12)17.85%
EPS beat(16)13
Avg EPS beat(16)22.23%
Revenue beat(2)1
Avg Revenue beat(2)7.37%
Min Revenue beat(2)-6.56%
Max Revenue beat(2)21.3%
Revenue beat(4)1
Avg Revenue beat(4)1.48%
Min Revenue beat(4)-6.56%
Max Revenue beat(4)21.3%
Revenue beat(8)4
Avg Revenue beat(8)3.15%
Revenue beat(12)8
Avg Revenue beat(12)15.21%
Revenue beat(16)12
Avg Revenue beat(16)19.21%
PT rev (1m)-0.29%
PT rev (3m)6.07%
EPS NQ rev (1m)-1.51%
EPS NQ rev (3m)2.93%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)-5.73%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)6.1%
Valuation
Industry RankSector Rank
PE 9.9
Fwd PE 7.94
P/S 2.26
P/FCF 14.42
P/OCF 9.86
P/B 1.19
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)9.69
EY10.1%
EPS(NY)12.08
Fwd EY12.6%
FCF(TTM)6.65
FCFY6.93%
OCF(TTM)9.73
OCFY10.14%
SpS42.42
BVpS80.95
TBVpS67.71
PEG (NY)0.81
PEG (5Y)1.78
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 10.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.84%
GM N/A
FCFM 15.68%
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)16.1%
ROE(5y)14.47%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.59%
PM growth 5Y-5.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.94
Debt/EBITDA N/A
Cap/Depr 355.59%
Cap/Sales 7.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 75.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC21.7%
ROIC/WACCN/A
Cap/Depr(3y)290.2%
Cap/Depr(5y)215.63%
Cap/Sales(3y)6.04%
Cap/Sales(5y)4.7%
Profit Quality(3y)82.21%
Profit Quality(5y)93.78%
High Growth Momentum
Growth
EPS 1Y (TTM)23.75%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%36.17%
EPS Next Y12.17%
EPS Next 2Y15.81%
EPS Next 3Y15.06%
EPS Next 5YN/A
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%37.57%
Revenue Next Year9.92%
Revenue Next 2Y8.22%
Revenue Next 3Y23.41%
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 1Y-3.61%
FCF growth 3Y-20.88%
FCF growth 5Y-5.72%
OCF growth 1Y-1.73%
OCF growth 3Y-12.44%
OCF growth 5Y-0.89%