POPULAR INC (BPOP) Stock Fundamental Analysis
USA - NASDAQ:BPOP - PR7331747001 - Common Stock
109.24 USD
-3.16 (-2.81%)
109.24 USD
0 (0%)
Taking everything into account, BPOP scores 4 out of 10 in our fundamental rating. BPOP was compared to 390 industry peers in the Banks industry. BPOP may be in some trouble as it scores bad on both profitability and health. BPOP has a decent growth rate and is not valued too expensively. BPOP also has an excellent dividend rating.
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.
In the past 5 years BPOP always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.95%, BPOP perfoms like the industry average, outperforming 58.72% of the companies in the same industry.
BPOP has a Return On Equity of 12.09%. This is amongst the best in the industry. BPOP outperforms 82.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 12.09% | ||
| 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 (23.60%) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.6% | ||
| 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.
The number of shares outstanding for BPOP has been reduced compared to 1 year ago.
The number of shares outstanding for BPOP has been reduced compared to 5 years ago.
Compared to 1 year ago, BPOP has a worse debt to assets ratio.
2.2 Solvency
BPOP has a debt to FCF ratio of 1.93. This is a very positive value and a sign of high solvency as it would only need 1.93 years to pay back of all of its debts.
BPOP's Debt to FCF ratio of 1.93 is in line compared to the rest of the industry. BPOP outperforms 50.51% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that BPOP is not too dependend on debt financing.
BPOP has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.98% over the past year.
Measured over the past 5 years, BPOP shows a small growth in Earnings Per Share. The EPS has been growing by 5.57% on average per year.
The Revenue has grown by 8.38% 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 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
Based on estimates for the next years, BPOP will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.63% 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 9.38% on average per year.
EPS Next Y30.04%
EPS Next 2Y23%
EPS Next 3Y19.63%
EPS Next 5YN/A
Revenue Next Year14.4%
Revenue Next 2Y11.15%
Revenue Next 3Y9.38%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.51, which indicates a very decent valuation of BPOP.
Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than 76.41% of the companies in the same industry.
BPOP is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.01 indicates a reasonable valuation of BPOP.
Based on the Price/Forward Earnings ratio, BPOP is valued a bit cheaper than 78.46% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.63. BPOP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 8.01 |
4.2 Price Multiples
BPOP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.65 | ||
| 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 19.63% in the coming years.
PEG (NY)0.32
PEG (5Y)1.71
EPS Next 2Y23%
EPS Next 3Y19.63%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.37%, BPOP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.50, BPOP pays a better dividend. On top of this BPOP pays more dividend than 91.54% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, BPOP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
5.2 History
On average, the dividend of BPOP grows each year by 16.51%, which is quite nice.
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
5.3 Sustainability
BPOP pays out 26.26% of its income as dividend. This is a sustainable payout ratio.
The dividend of BPOP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP26.26%
EPS Next 2Y23%
EPS Next 3Y19.63%
109.24
-3.16 (-2.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.58%
Inst Owner Change-0.06%
Ins Owners2.16%
Ins Owner Change-1.01%
Market Cap7.38B
Revenue(TTM)3.13B
Net Income(TTM)719.67M
Analysts80
Price Target145.86 (33.52%)
Short Float %1.94%
Short Ratio2.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP26.26%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.55%
Min EPS beat(2)15.26%
Max EPS beat(2)25.85%
EPS beat(4)3
Avg EPS beat(4)13.11%
Min EPS beat(4)-8.39%
Max EPS beat(4)25.85%
EPS beat(8)6
Avg EPS beat(8)10.59%
EPS beat(12)10
Avg EPS beat(12)20.38%
EPS beat(16)13
Avg EPS beat(16)18.97%
Revenue beat(2)0
Avg Revenue beat(2)-2.79%
Min Revenue beat(2)-3.21%
Max Revenue beat(2)-2.36%
Revenue beat(4)1
Avg Revenue beat(4)2.29%
Min Revenue beat(4)-6.56%
Max Revenue beat(4)21.3%
Revenue beat(8)2
Avg Revenue beat(8)2.41%
Revenue beat(12)6
Avg Revenue beat(12)10.35%
Revenue beat(16)10
Avg Revenue beat(16)15.28%
PT rev (1m)0%
PT rev (3m)9.17%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)10.02%
EPS NY rev (1m)0.13%
EPS NY rev (3m)9.4%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)2.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 8.01 | ||
| P/S | 2.42 | ||
| P/FCF | 11.65 | ||
| P/OCF | 8.71 | ||
| P/B | 1.24 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.49
EY10.52%
EPS(NY)13.63
Fwd EY12.48%
FCF(TTM)9.37
FCFY8.58%
OCF(TTM)12.54
OCFY11.48%
SpS45.13
BVpS88.1
TBVpS74.61
PEG (NY)0.32
PEG (5Y)1.71
Graham Number150.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 12.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.6% | ||
| GM | N/A | ||
| FCFM | 20.77% |
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 | 0.21 | ||
| Debt/FCF | 1.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 400.08% | ||
| Cap/Sales | 7.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC20.27%
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 Y30.04%
EPS Next 2Y23%
EPS Next 3Y19.63%
EPS Next 5YN/A
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
Revenue Next Year14.4%
Revenue Next 2Y11.15%
Revenue Next 3Y9.38%
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-12.64%
FCF growth 3Y-20.88%
FCF growth 5Y-5.72%
OCF growth 1Y-3.07%
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 6 / 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 3 / 10.
Can you provide the PE and PB ratios for BPOP stock?
The Price/Earnings (PE) ratio for POPULAR INC (BPOP) is 9.51 and the Price/Book (PB) ratio is 1.24.
Can you provide the expected EPS growth for BPOP stock?
The Earnings per Share (EPS) of POPULAR INC (BPOP) is expected to grow by 30.04% in the next year.