POPULAR INC (BPOP) Stock Fundamental Analysis

NASDAQ:BPOP • PR7331747001

142.63 USD
+0.66 (+0.46%)
At close: Feb 13, 2026
142.63 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

BPOP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. While BPOP is still in line with the averages on profitability rating, there are concerns on its financial health. BPOP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • BPOP had positive earnings in the past year.
  • BPOP had a positive operating cash flow in the past year.
  • In the past 5 years BPOP has always been profitable.
  • BPOP had a positive operating cash flow in 4 of the past 5 years.
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 has a better Return On Assets (1.03%) than 62.99% of its industry peers.
  • BPOP has a better Return On Equity (12.68%) than 84.51% of its industry peers.
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

  • With a Profit Margin value of 24.77%, BPOP perfoms like the industry average, outperforming 51.97% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BPOP has grown nicely.
  • 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. Health

2.1 Basic Checks

  • BPOP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BPOP has been reduced compared to 1 year ago.
  • BPOP has less shares outstanding than it did 5 years ago.
  • BPOP has a worse debt/assets ratio than last year.
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

  • BPOP has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of 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 51.18% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that BPOP is not too dependend on debt financing.
  • BPOP has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC18.11%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.85% over the past year.
  • BPOP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.99% yearly.
  • Looking at the last year, BPOP shows a quite strong growth in Revenue. The Revenue has grown by 8.77% in the last year.
  • Measured over the past years, BPOP shows a small growth in Revenue. The Revenue has been growing by 6.19% on average per year.
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

  • Based on estimates for the next years, BPOP will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.41% on average per year.
  • Based on estimates for the next years, BPOP will show a quite strong growth in Revenue. The Revenue will grow by 13.97% on average per year.
EPS Next Y14.58%
EPS Next 2Y14.68%
EPS Next 3Y13.41%
EPS Next 5YN/A
Revenue Next Year17.73%
Revenue Next 2Y13.93%
Revenue Next 3Y13.97%
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. Valuation

4.1 Price/Earnings Ratio

  • BPOP is valuated reasonably with a Price/Earnings ratio of 11.40.
  • Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than 67.98% of the companies in the same industry.
  • BPOP is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • BPOP is valuated reasonably with a Price/Forward Earnings ratio of 9.95.
  • Based on the Price/Forward Earnings ratio, BPOP is valued a bit cheaper than 68.24% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, BPOP is valued rather cheaply.
Industry RankSector Rank
PE 11.4
Fwd PE 9.95
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

  • 61.42% of the companies in the same industry are cheaper than BPOP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.65
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

  • BPOP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BPOP's earnings are expected to grow with 13.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)0.71
EPS Next 2Y14.68%
EPS Next 3Y13.41%

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.11%, BPOP has a reasonable but not impressive dividend return.
  • BPOP's Dividend Yield is slightly below the industry average, which is at 2.78.
  • BPOP's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.11%

5.2 History

  • On average, the dividend of BPOP grows each year by 16.51%, which is quite nice.
  • BPOP has paid a dividend for at least 10 years, which is 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 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 2Y14.68%
EPS Next 3Y13.41%
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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POPULAR INC

NASDAQ:BPOP (2/13/2026, 8:00:01 PM)

After market: 142.63 0 (0%)

142.63

+0.66 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners92.92%
Inst Owner Change1.42%
Ins Owners2.16%
Ins Owner Change-3.03%
Market Cap9.37B
Revenue(TTM)3.20B
Net Income(TTM)775.66M
Analysts80
Price Target155.96 (9.35%)
Short Float %2.52%
Short Ratio2.88
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP24.73%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)6.84%
PT rev (3m)6.92%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)2.7%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 11.4
Fwd PE 9.95
P/S 2.99
P/FCF 15.65
P/OCF 11.58
P/B 1.53
P/tB 1.8
EV/EBITDA N/A
EPS(TTM)12.51
EY8.77%
EPS(NY)14.33
Fwd EY10.05%
FCF(TTM)9.12
FCFY6.39%
OCF(TTM)12.32
OCFY8.64%
SpS47.64
BVpS93.06
TBVpS79.44
PEG (NY)0.78
PEG (5Y)0.71
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
WACC18.11%
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 Y14.58%
EPS Next 2Y14.68%
EPS Next 3Y13.41%
EPS Next 5YN/A
Revenue 1Y (TTM)8.77%
Revenue growth 3Y1.44%
Revenue growth 5Y6.19%
Sales Q2Q%-10.23%
Revenue Next Year17.73%
Revenue Next 2Y13.93%
Revenue Next 3Y13.97%
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 FAQ

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

ChartMill assigns a fundamental rating of 4 / 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 11.4 and the Price/Book (PB) ratio is 1.53.


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

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