POPULAR INC(NASDAQ:BPOP) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BPOP scores 4 out of 10 in our fundamental rating. BPOP was compared to 398 industry peers in the Banks industry. BPOP has a bad profitability rating. Also its financial health evaluation is rather negative. BPOP is growing strongly while it is still valued neutral. This is a good combination!

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1. Profitability

1.1 Basic Checks

In the past year BPOP was profitable.

BPOP had a positive operating cash flow in the past year.

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.

1.2 Ratios

BPOP has a Return On Assets (0.84%) which is in line with its industry peers.

The Return On Equity of BPOP (10.92%) is better than 75.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.92%
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's Profit Margin of 20.84% is on the low side compared to the rest of the industry. BPOP is outperformed by 60.05% of 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)	20.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

BPOP has less shares outstanding than it did 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 1.94. This is a very positive value and a sign of high solvency as it would only need 1.94 years to pay back of all of its debts.

BPOP has a Debt to FCF ratio (1.94) which is in line with its industry peers.

BPOP has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

BPOP has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: BPOP outperforms 56.28% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.94
Altman-Z	N/A

ROIC/WACCN/A

WACC21.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.75% over the past year.

The Earnings Per Share has been growing slightly by 5.57% on average over the past years.

BPOP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.71%.

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)23.75%

EPS 3Y-7.68%

EPS 5Y5.57%

EPS Q2Q%36.17%

Revenue 1Y (TTM)5.71%

Revenue growth 3Y4.2%

Revenue growth 5Y3.62%

Sales Q2Q%37.57%

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 15.06% yearly.

Based on estimates for the next years, BPOP will show a very strong growth in Revenue. The Revenue will grow by 23.41% on average per year.

EPS Next Y12.17%

EPS Next 2Y15.81%

EPS Next 3Y15.06%

EPS Next 5YN/A

Revenue Next Year9.92%

Revenue Next 2Y8.22%

Revenue Next 3Y23.41%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.90 indicates a reasonable valuation of BPOP.

Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than the industry average as 72.61% of the companies are valued more expensively.

BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

Based on the Price/Forward Earnings ratio of 7.94, the valuation of BPOP can be described as very cheap.

81.66% of the companies in the same industry are more expensive than BPOP, based on the Price/Forward Earnings ratio.

BPOP is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.9
Fwd PE	7.94

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	14.42
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as BPOP's earnings are expected to grow with 15.06% in the coming years.

PEG (NY)0.81

PEG (5Y)1.78

EPS Next 2Y15.81%

EPS Next 3Y15.06%

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5. Dividend

5.1 Amount

BPOP has a Yearly Dividend Yield of 2.95%.

Compared to an average industry Dividend Yield of 3.63, BPOP has a dividend in line with its industry peers.

BPOP's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.95%

5.2 History

The dividend of BPOP is nicely growing with an annual growth rate of 16.51%!

BPOP has been paying a dividend for at least 10 years, so it has 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

BPOP pays out 29.45% 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.

DP29.45%

EPS Next 2Y15.81%

EPS Next 3Y15.06%

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POPULAR INC

NASDAQ:BPOP (4/24/2025, 8:00:00 PM)

After market: 95.94 0 (0%)

95.94

+1.15 (+1.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/bmo

Earnings (Next)07-22 2025-07-22/bmo

Inst Owners90.69%

Inst Owner Change0.15%

Ins Owners2.02%

Ins Owner Change3.71%

Market Cap6.65B

Analysts78.67

Price Target114.47 (19.31%)

Short Float %1.51%

Short Ratio2.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.95%

Yearly Dividend2.54

Dividend Growth(5Y)16.51%

DP29.45%

Div Incr Years1

Div Non Decr Years1

Ex-Date03-18 2025-03-18 (0.7)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.68%

Min EPS beat(2)-8.39%

Max EPS beat(2)19.75%

EPS beat(4)2

Avg EPS beat(4)6.09%

Min EPS beat(4)-8.39%

Max EPS beat(4)19.75%

EPS beat(8)6

Avg EPS beat(8)8.04%

EPS beat(12)9

Avg EPS beat(12)17.85%

EPS beat(16)13

Avg EPS beat(16)22.23%

Revenue beat(2)1

Avg Revenue beat(2)7.37%

Min Revenue beat(2)-6.56%

Max Revenue beat(2)21.3%

Revenue beat(4)1

Avg Revenue beat(4)1.48%

Min Revenue beat(4)-6.56%

Max Revenue beat(4)21.3%

Revenue beat(8)4

Avg Revenue beat(8)3.15%

Revenue beat(12)8

Avg Revenue beat(12)15.21%

Revenue beat(16)12

Avg Revenue beat(16)19.21%

PT rev (1m)-0.29%

PT rev (3m)6.07%

EPS NQ rev (1m)-1.51%

EPS NQ rev (3m)2.93%

EPS NY rev (1m)-0.6%

EPS NY rev (3m)-0.36%

Revenue NQ rev (1m)-5.73%

Revenue NQ rev (3m)1.72%

Revenue NY rev (1m)-0.11%

Revenue NY rev (3m)6.1%

Valuation

		Industry Rank	Sector Rank
PE	9.9
Fwd PE	7.94
P/S	2.26
P/FCF	14.42
P/OCF	9.86
P/B	1.19
P/tB	1.42
EV/EBITDA	N/A

EPS(TTM)9.69

EY10.1%

EPS(NY)12.08

Fwd EY12.6%

FCF(TTM)6.65

FCFY6.93%

OCF(TTM)9.73

OCFY10.14%

SpS42.42

BVpS80.95

TBVpS67.71

PEG (NY)0.81

PEG (5Y)1.78

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.92%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.84%
GM	N/A
FCFM	15.68%

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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.94
Debt/EBITDA	N/A
Cap/Depr	355.59%
Cap/Sales	7.26%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	75.28%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC21.7%

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)23.75%

EPS 3Y-7.68%

EPS 5Y5.57%

EPS Q2Q%36.17%

EPS Next Y12.17%

EPS Next 2Y15.81%

EPS Next 3Y15.06%

EPS Next 5YN/A

Revenue 1Y (TTM)5.71%

Revenue growth 3Y4.2%

Revenue growth 5Y3.62%

Sales Q2Q%37.57%

Revenue Next Year9.92%

Revenue Next 2Y8.22%

Revenue Next 3Y23.41%

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 1Y-3.61%

FCF growth 3Y-20.88%

FCF growth 5Y-5.72%

OCF growth 1Y-1.73%

OCF growth 3Y-12.44%

OCF growth 5Y-0.89%

POPULAR INC (BPOP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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