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POPULAR INC (BPOP) Stock Fundamental Analysis

NASDAQ:BPOP - Nasdaq - PR7331747001 - Common Stock - Currency: USD

114.95  +1.32 (+1.16%)

After market: 114.95 0 (0%)

Fundamental Rating

4

Overall BPOP gets a fundamental rating of 4 out of 10. We evaluated BPOP against 393 industry peers in the Banks industry. Both the profitability and financial health of BPOP have multiple concerns. BPOP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

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.
In the past 5 years BPOP always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

With a Return On Assets value of 0.93%, BPOP perfoms like the industry average, outperforming 58.16% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.85%, BPOP belongs to the top of the industry, outperforming 81.38% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 11.85%
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
BPOP Yearly ROA, ROE, ROICBPOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

BPOP's Profit Margin of 23.02% is in line compared to the rest of the industry. BPOP outperforms 47.19% of its industry peers.
BPOP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BPOP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.02%
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
BPOP Yearly Profit, Operating, Gross MarginsBPOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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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.
BPOP has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BPOP has been reduced compared to 5 years ago.
BPOP has a worse debt/assets ratio than last year.
BPOP Yearly Shares OutstandingBPOP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BPOP Yearly Total Debt VS Total AssetsBPOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

BPOP has a debt to FCF ratio of 1.84. This is a very positive value and a sign of high solvency as it would only need 1.84 years to pay back of all of its debts.
BPOP has a Debt to FCF ratio (1.84) which is in line with its industry peers.
A Debt/Equity ratio of 0.15 indicates that BPOP is not too dependend on debt financing.
BPOP has a Debt to Equity ratio (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.84
Altman-Z N/A
ROIC/WACCN/A
WACC19.95%
BPOP Yearly LT Debt VS Equity VS FCFBPOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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6

3. Growth

3.1 Past

BPOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.33%, 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 a small growth in Revenue. In the last year, the Revenue has grown by 7.17%.
Measured over the past years, BPOP shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)28.33%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%33.33%
Revenue 1Y (TTM)7.17%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%11.13%

3.2 Future

The Earnings Per Share is expected to grow by 17.87% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.29% on average over the next years. This is quite good.
EPS Next Y18.86%
EPS Next 2Y17.97%
EPS Next 3Y17.87%
EPS Next 5YN/A
Revenue Next Year13.63%
Revenue Next 2Y12.92%
Revenue Next 3Y13.29%
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.
BPOP Yearly Revenue VS EstimatesBPOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
BPOP Yearly EPS VS EstimatesBPOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.94, the valuation of BPOP can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 62.76% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. BPOP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.17, the valuation of BPOP can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 62.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. BPOP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.94
Fwd PE 9.17
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

65.82% of the companies in the same industry are cheaper than BPOP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.47
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.
A more expensive valuation may be justified as BPOP's earnings are expected to grow with 17.87% in the coming years.
PEG (NY)0.58
PEG (5Y)1.96
EPS Next 2Y17.97%
EPS Next 3Y17.87%

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5

5. Dividend

5.1 Amount

BPOP has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
BPOP's Dividend Yield is slightly below the industry average, which is at 3.54.
Compared to an average S&P500 Dividend Yield of 2.39, BPOP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.46%

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
BPOP Yearly Dividends per shareBPOP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

26.98% of the earnings are spent on dividend by BPOP. This is a low number and sustainable payout ratio.
BPOP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP26.98%
EPS Next 2Y17.97%
EPS Next 3Y17.87%
BPOP Yearly Income VS Free CF VS DividendBPOP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (8/8/2025, 8:21:31 PM)

After market: 114.95 0 (0%)

114.95

+1.32 (+1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-21 2025-10-21/bmo
Inst Owners91.64%
Inst Owner Change-0.65%
Ins Owners2.18%
Ins Owner Change6.07%
Market Cap7.81B
Analysts80
Price Target137.19 (19.35%)
Short Float %1.7%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP26.98%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-29 2025-05-29 (0.7)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.5%
Min EPS beat(2)15.26%
Max EPS beat(2)19.75%
EPS beat(4)3
Avg EPS beat(4)10.15%
Min EPS beat(4)-8.39%
Max EPS beat(4)19.75%
EPS beat(8)6
Avg EPS beat(8)9.07%
EPS beat(12)9
Avg EPS beat(12)17.89%
EPS beat(16)13
Avg EPS beat(16)19.14%
Revenue beat(2)1
Avg Revenue beat(2)9.47%
Min Revenue beat(2)-2.36%
Max Revenue beat(2)21.3%
Revenue beat(4)1
Avg Revenue beat(4)1.77%
Min Revenue beat(4)-6.56%
Max Revenue beat(4)21.3%
Revenue beat(8)3
Avg Revenue beat(8)2.85%
Revenue beat(12)7
Avg Revenue beat(12)13.38%
Revenue beat(16)11
Avg Revenue beat(16)17.46%
PT rev (1m)11.16%
PT rev (3m)16.39%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)0%
EPS NY rev (3m)5.97%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.71%
Revenue NY rev (1m)1.21%
Revenue NY rev (3m)1.99%
Valuation
Industry RankSector Rank
PE 10.94
Fwd PE 9.17
P/S 2.62
P/FCF 16.47
P/OCF 11.4
P/B 1.35
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)10.51
EY9.14%
EPS(NY)12.54
Fwd EY10.91%
FCF(TTM)6.98
FCFY6.07%
OCF(TTM)10.09
OCFY8.77%
SpS43.93
BVpS85.36
TBVpS71.91
PEG (NY)0.58
PEG (5Y)1.96
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 11.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.02%
GM N/A
FCFM 15.89%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.84
Debt/EBITDA N/A
Cap/Depr 371.98%
Cap/Sales 7.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 69.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.95%
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)28.33%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%33.33%
EPS Next Y18.86%
EPS Next 2Y17.97%
EPS Next 3Y17.87%
EPS Next 5YN/A
Revenue 1Y (TTM)7.17%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%11.13%
Revenue Next Year13.63%
Revenue Next 2Y12.92%
Revenue Next 3Y13.29%
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-43.93%
FCF growth 3Y-20.88%
FCF growth 5Y-5.72%
OCF growth 1Y-29.38%
OCF growth 3Y-12.44%
OCF growth 5Y-0.89%