112.86 USD
-1.98 (-1.72%)
112.86 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to BPOP. BPOP was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of BPOP while its profitability can be described as average. BPOP is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
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.
1.2 Ratios
BPOP's Return On Assets of 1.03% is fine compared to the rest of the industry. BPOP outperforms 63.82% of its industry peers.
The Return On Equity of BPOP (12.68%) is better than 84.75% of its industry peers.
| 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 (24.77%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BPOP has declined.
The Operating Margin and Gross Margin are not available for BPOP so they could not be analyzed.
| 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.
Compared to 1 year ago, BPOP has less shares outstanding
Compared to 5 years ago, BPOP has less shares outstanding
Compared to 1 year ago, BPOP has a worse debt to assets ratio.
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 of 1.80. This is comparable to the rest of the industry: BPOP outperforms 51.68% of its industry peers.
BPOP has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.18, BPOP is in line with its industry, outperforming 48.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20%
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.
The Earnings Per Share has been growing slightly by 5.57% on average over the past years.
The Revenue has grown by 8.38% in the past year. This is quite good.
The Revenue has been growing slightly by 3.62% on average over the past years.
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
BPOP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.03% yearly.
Based on estimates for the next years, BPOP will show a quite strong growth in Revenue. The Revenue will grow by 13.20% on average per year.
EPS Next Y32.57%
EPS Next 2Y23.77%
EPS Next 3Y20.03%
EPS Next 5YN/A
Revenue Next Year12.82%
Revenue Next 2Y13.99%
Revenue Next 3Y13.2%
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 9.82, which indicates a very decent valuation of BPOP.
Compared to the rest of the industry, the Price/Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 74.42% of the companies listed in the same industry.
BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.65.
A Price/Forward Earnings ratio of 8.18 indicates a reasonable valuation of BPOP.
Based on the Price/Forward Earnings ratio, BPOP is valued cheaply inside the industry as 80.36% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, BPOP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.82 | ||
| Fwd PE | 8.18 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.73 | ||
| 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.
BPOP's earnings are expected to grow with 20.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)1.76
EPS Next 2Y23.77%
EPS Next 3Y20.03%
5. Dividend
5.1 Amount
BPOP has a Yearly Dividend Yield of 2.69%.
Compared to an average industry Dividend Yield of 3.33, BPOP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, BPOP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
5.2 History
The dividend of BPOP is nicely growing with an annual growth rate of 16.51%!
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
5.3 Sustainability
24.73% of the earnings are spent on dividend by BPOP. This is a low number and sustainable payout ratio.
BPOP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP24.73%
EPS Next 2Y23.77%
EPS Next 3Y20.03%
112.86
-1.98 (-1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.58%
Inst Owner Change5.7%
Ins Owners2.16%
Ins Owner Change-1.14%
Market Cap7.63B
Revenue(TTM)3.13B
Net Income(TTM)775.66M
Analysts80
Price Target145.97 (29.34%)
Short Float %2.33%
Short Ratio2.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
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)4.56%
PT rev (3m)5.71%
EPS NQ rev (1m)3.18%
EPS NQ rev (3m)3.95%
EPS NY rev (1m)1.95%
EPS NY rev (3m)3.14%
Revenue NQ rev (1m)5.14%
Revenue NQ rev (3m)5.27%
Revenue NY rev (1m)-1.38%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.82 | ||
| Fwd PE | 8.18 | ||
| P/S | 2.44 | ||
| P/FCF | 12.73 | ||
| P/OCF | 9.42 | ||
| P/B | 1.25 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.49
EY10.18%
EPS(NY)13.8
Fwd EY12.23%
FCF(TTM)8.86
FCFY7.85%
OCF(TTM)11.98
OCFY10.61%
SpS46.33
BVpS90.5
TBVpS77.25
PEG (NY)0.3
PEG (5Y)1.76
Graham Number152.96
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
WACC20%
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 Y32.57%
EPS Next 2Y23.77%
EPS Next 3Y20.03%
EPS Next 5YN/A
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
Revenue Next Year12.82%
Revenue Next 2Y13.99%
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 5 / 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 4 / 10.
Can you provide the PE and PB ratios for BPOP stock?
The Price/Earnings (PE) ratio for POPULAR INC (BPOP) is 9.82 and the Price/Book (PB) ratio is 1.25.
Can you provide the expected EPS growth for BPOP stock?
The Earnings per Share (EPS) of POPULAR INC (BPOP) is expected to grow by 32.57% in the next year.