125.58 USD
-0.44 (-0.35%)
We assign a fundamental rating of 4 out of 10 to BPOP. BPOP was compared to 388 industry peers in the Banks industry. BPOP has a medium profitability rating, but doesn't score so well on its financial health evaluation. BPOP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BPOP was profitable.
In the past year BPOP had a positive cash flow from operations.
BPOP had positive earnings in each of the past 5 years.
In the past 5 years BPOP always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.03%, BPOP is doing good in the industry, outperforming 63.66% of the companies in the same industry.
With an excellent Return On Equity value of 12.68%, BPOP belongs to the best of the industry, outperforming 84.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 12.68% | ||
| 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
1.3 Margins
BPOP has a Profit Margin of 24.77%. This is comparable to the rest of the industry: BPOP outperforms 52.06% of its industry peers.
In the last couple of years the Profit Margin of BPOP has declined.
BPOP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.77% | ||
| 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
2. Health
2.1 Basic Checks
BPOP does not have a ROIC to compare to the WACC, probably because it is not profitable.
BPOP has less shares outstanding than it did 1 year ago.
BPOP has less shares outstanding than it did 5 years ago.
BPOP has a worse debt/assets ratio than last year.
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 (1.80) which is comparable to the rest of the industry.
BPOP has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BPOP's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. BPOP outperforms 47.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BPOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.98%, which is quite impressive.
BPOP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.57% yearly.
BPOP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.38%.
BPOP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.62% yearly.
EPS 1Y (TTM)35.98%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%45.37%
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
3.2 Future
The Earnings Per Share is expected to grow by 19.87% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.20% on average over the next years. This is quite good.
EPS Next Y33.31%
EPS Next 2Y24.46%
EPS Next 3Y19.87%
EPS Next 5YN/A
Revenue Next Year9.92%
Revenue Next 2Y15.29%
Revenue Next 3Y13.2%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.93, the valuation of BPOP can be described as very reasonable.
BPOP's Price/Earnings ratio is a bit cheaper when compared to the industry. BPOP is cheaper than 69.59% of the companies in the same industry.
When comparing the Price/Earnings ratio of BPOP to the average of the S&P500 Index (26.92), we can say BPOP is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.00, the valuation of BPOP can be described as very reasonable.
77.06% of the companies in the same industry are more expensive than BPOP, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BPOP to the average of the S&P500 Index (23.46), we can say BPOP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9 |
4.2 Price Multiples
BPOP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BPOP is more expensive than 60.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.98 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as BPOP's earnings are expected to grow with 19.87% in the coming years.
PEG (NY)0.33
PEG (5Y)1.96
EPS Next 2Y24.46%
EPS Next 3Y19.87%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.38%, BPOP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, BPOP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, BPOP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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.
BPOP has decreased its dividend recently.
Dividend Growth(5Y)16.51%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
24.73% of the earnings are spent on dividend by BPOP. This is a low number and sustainable payout ratio.
The dividend of BPOP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP24.73%
EPS Next 2Y24.46%
EPS Next 3Y19.87%
NASDAQ:BPOP (12/29/2025, 2:01:03 PM)
125.58
-0.44 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.73%
Inst Owner Change5.69%
Ins Owners2.16%
Ins Owner Change-4.01%
Market Cap8.37B
Revenue(TTM)3.13B
Net Income(TTM)775.66M
Analysts80
Price Target145.97 (16.24%)
Short Float %1.95%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP24.73%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)0%
PT rev (3m)4.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.91%
EPS NY rev (1m)0.56%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)5.14%
Revenue NY rev (1m)-2.57%
Revenue NY rev (3m)-3.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9 | ||
| P/S | 2.67 | ||
| P/FCF | 13.98 | ||
| P/OCF | 10.34 | ||
| P/B | 1.37 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.49
EY9.15%
EPS(NY)13.96
Fwd EY11.11%
FCF(TTM)8.99
FCFY7.16%
OCF(TTM)12.14
OCFY9.67%
SpS46.96
BVpS91.73
TBVpS78.31
PEG (NY)0.33
PEG (5Y)1.96
Graham Number154
Profitability
| Industry Rank | Sector 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)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
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-16.59%
PM growth 5Y-5.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC19.16%
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)35.98%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%45.37%
EPS Next Y33.31%
EPS Next 2Y24.46%
EPS Next 3Y19.87%
EPS Next 5YN/A
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
Revenue Next Year9.92%
Revenue Next 2Y15.29%
Revenue Next 3Y13.2%
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 1Y18.72%
FCF growth 3Y-20.88%
FCF growth 5Y-5.72%
OCF growth 1Y20.08%
OCF growth 3Y-12.44%
OCF growth 5Y-0.89%
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.
What is the valuation status of POPULAR INC (BPOP) stock?
ChartMill assigns a valuation rating of 5 / 10 to POPULAR INC (BPOP). This can be considered as Fairly Valued.
How profitable is POPULAR INC (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 10.93 and the Price/Book (PB) ratio is 1.37.
Can you provide the expected EPS growth for BPOP stock?
The Earnings per Share (EPS) of POPULAR INC (BPOP) is expected to grow by 33.31% in the next year.