POPULAR INC (BPOP) Fundamental Analysis & Valuation

NASDAQ:BPOP • PR7331747001

Current stock price

144.82 USD
-2 (-1.36%)
At close:
144.82 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.
  • In the past year BPOP had a positive cash flow from operations.
  • Each year in the past 5 years BPOP has been profitable.
  • BPOP had a positive operating cash flow in each 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

  • With a decent Return On Assets value of 1.10%, BPOP is doing good in the industry, outperforming 63.68% of the companies in the same industry.
  • BPOP has a better Return On Equity (13.31%) than 87.89% of its industry peers.
Industry RankSector Rank
ROA 1.1%
ROE 13.31%
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 has a Profit Margin of 26.00%. This is comparable to the rest of the industry: BPOP outperforms 53.68% 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) 26%
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.
  • The number of shares outstanding for BPOP has been reduced compared to 1 year ago.
  • 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 1.93, which is an excellent value as it means it would take BPOP, only 1.93 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.93, BPOP is in line with its industry, outperforming 48.68% of the companies in the same industry.
  • BPOP has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • BPOP's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. BPOP outperforms 41.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.93
Altman-Z N/A
ROIC/WACCN/A
WACC17.02%
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.
  • The Earnings Per Share has been growing by 15.99% on average over the past years. This is quite good.
  • 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

  • BPOP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.74% yearly.
  • BPOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.41% yearly.
EPS Next Y17.57%
EPS Next 2Y15.09%
EPS Next 3Y13.74%
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.
  • 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 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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6

4. BPOP Valuation Analysis

4.1 Price/Earnings Ratio

  • BPOP is valuated reasonably with a Price/Earnings ratio of 11.58.
  • 63.68% of the companies in the same industry are more expensive than BPOP, based on the Price/Earnings ratio.
  • BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
  • The Price/Forward Earnings ratio is 9.85, which indicates a very decent valuation of BPOP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 69.21% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.39, BPOP is valued rather cheaply.
Industry RankSector Rank
PE 11.58
Fwd PE 9.85
BPOP Price Earnings VS Forward Price EarningsBPOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 13.82
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.
  • BPOP's earnings are expected to grow with 13.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.66
PEG (5Y)0.72
EPS Next 2Y15.09%
EPS Next 3Y13.74%

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

4

5. BPOP Dividend Analysis

5.1 Amount

  • BPOP has a Yearly Dividend Yield of 2.04%.
  • BPOP's Dividend Yield is slightly below the industry average, which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, BPOP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • On average, the dividend of BPOP grows each year by 14.40%, which is quite nice.
  • BPOP has paid a dividend for at least 10 years, which is a reliable track record.
  • BPOP has decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.4%
Div Incr Years2
Div Non Decr Years2
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 23.75% 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.
DP23.75%
EPS Next 2Y15.09%
EPS Next 3Y13.74%
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 (4/10/2026, 8:08:46 PM)

After market: 144.82 0 (0%)

144.82

-2 (-1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners94.14%
Inst Owner Change0.03%
Ins Owners2.07%
Ins Owner Change1.77%
Market Cap9.41B
Revenue(TTM)3.20B
Net Income(TTM)831.75M
Analysts82.5
Price Target161.87 (11.77%)
Short Float %2.04%
Short Ratio2.14
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend2.91
Dividend Growth(5Y)14.4%
DP23.75%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-18
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.19%
Min EPS beat(2)4.39%
Max EPS beat(2)13.99%
EPS beat(4)4
Avg EPS beat(4)14.87%
Min EPS beat(4)4.39%
Max EPS beat(4)25.85%
EPS beat(8)6
Avg EPS beat(8)10.48%
EPS beat(12)10
Avg EPS beat(12)10.31%
EPS beat(16)13
Avg EPS beat(16)17.1%
Revenue beat(2)0
Avg Revenue beat(2)-6.7%
Min Revenue beat(2)-7.83%
Max Revenue beat(2)-5.58%
Revenue beat(4)0
Avg Revenue beat(4)-4.75%
Min Revenue beat(4)-7.83%
Max Revenue beat(4)-2.36%
Revenue beat(8)1
Avg Revenue beat(8)-1.64%
Revenue beat(12)4
Avg Revenue beat(12)0.52%
Revenue beat(16)8
Avg Revenue beat(16)10.22%
PT rev (1m)2.39%
PT rev (3m)10.89%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)10.23%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)5.38%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.84%
Valuation
Industry RankSector Rank
PE 11.58
Fwd PE 9.85
P/S 2.94
P/FCF 13.82
P/OCF 10.71
P/B 1.51
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)12.51
EY8.64%
EPS(NY)14.71
Fwd EY10.16%
FCF(TTM)10.48
FCFY7.24%
OCF(TTM)13.52
OCFY9.33%
SpS49.23
BVpS96.15
TBVpS82.44
PEG (NY)0.66
PEG (5Y)0.72
Graham Number164.52
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 13.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26%
GM N/A
FCFM 21.29%
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 0.21
Debt/FCF 1.93
Debt/EBITDA N/A
Cap/Depr 359.15%
Cap/Sales 6.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 81.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.02%
ROIC/WACCN/A
Cap/Depr(3y)350.67%
Cap/Depr(5y)268.91%
Cap/Sales(3y)6.97%
Cap/Sales(5y)5.43%
Profit Quality(3y)81.93%
Profit Quality(5y)85.66%
High Growth Momentum
Growth
EPS 1Y (TTM)38.85%
EPS 3Y-5.28%
EPS 5Y15.99%
EPS Q2Q%40.64%
EPS Next Y17.57%
EPS Next 2Y15.09%
EPS Next 3Y13.74%
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 1Y47.62%
FCF growth 3Y-9.23%
FCF growth 5Y1.94%
OCF growth 1Y30.19%
OCF growth 3Y-4.69%
OCF growth 5Y5.29%

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 6 / 10 to POPULAR INC (BPOP). This can be considered as Fairly Valued.


Can you provide the profitability details for POPULAR INC?

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


What is the expected EPS growth for POPULAR INC (BPOP) stock?

The Earnings per Share (EPS) of POPULAR INC (BPOP) is expected to grow by 17.57% in the next year.


How sustainable is the dividend of POPULAR INC (BPOP) stock?

The dividend rating of POPULAR INC (BPOP) is 5 / 10 and the dividend payout ratio is 23.75%.