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POPULAR INC (BPOP) Stock Fundamental Analysis

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

100.31  -0.18 (-0.18%)

After market: 100.31 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BPOP. BPOP was compared to 397 industry peers in the Banks industry. BPOP has a bad profitability rating. Also its financial health evaluation is rather negative. BPOP is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

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.
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.
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

BPOP has a Return On Assets (0.84%) which is in line with its industry peers.
With a decent Return On Equity value of 10.92%, BPOP is doing good in the industry, outperforming 75.57% of the companies in the same industry.
Industry RankSector 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
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

With a Profit Margin value of 20.84%, BPOP is not doing good in the industry: 60.20% of the companies in the same industry are doing better.
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 RankSector 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
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.
The number of shares outstanding for BPOP has been reduced compared to 1 year ago.
BPOP has less shares outstanding than it did 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

The Debt to FCF ratio of BPOP is 1.94, which is an excellent value as it means it would take BPOP, only 1.94 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.94, BPOP perfoms like the industry average, outperforming 52.39% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that BPOP is not too dependend on debt financing.
BPOP has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: BPOP outperforms 54.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.94
Altman-Z N/A
ROIC/WACCN/A
WACC21.26%
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.75% over the past year.
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 6.46%.
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)6.46%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%37.57%

3.2 Future

The Earnings Per Share is expected to grow by 15.06% on average over the next years. This is quite good.
The Revenue is expected to grow by 23.41% on average over the next years. This is a very strong growth
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 4B
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

A Price/Earnings ratio of 10.35 indicates a reasonable valuation of BPOP.
BPOP's Price/Earnings ratio is a bit cheaper when compared to the industry. BPOP is cheaper than 71.54% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.21, BPOP is valued rather cheaply.
The Price/Forward Earnings ratio is 8.30, which indicates a very decent valuation of BPOP.
77.08% of the companies in the same industry are more expensive than BPOP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 20.44. BPOP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.35
Fwd PE 8.3
BPOP Price Earnings VS Forward Price EarningsBPOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BPOP is valued a bit more expensive than the industry average as 60.71% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15
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.
BPOP's earnings are expected to grow with 15.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)1.86
EPS Next 2Y15.81%
EPS Next 3Y15.06%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.89%, BPOP has a reasonable but not impressive dividend return.
BPOP's Dividend Yield is comparable with the industry average which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.44, BPOP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.89%

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.
BPOP has decreased its dividend 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

29.45% of the earnings are spent on dividend by BPOP. This is a low number and 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%
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 (5/9/2025, 8:00:01 PM)

After market: 100.31 0 (0%)

100.31

-0.18 (-0.18%)

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 Change-0.21%
Ins Owners2.02%
Ins Owner Change3.7%
Market Cap6.92B
Analysts80
Price Target114.47 (14.12%)
Short Float %2.31%
Short Ratio2.19
Dividend
Industry RankSector Rank
Dividend Yield 2.89%
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)-2.04%
PT rev (3m)3.91%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)3.64%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)-5.73%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)-4.41%
Revenue NY rev (3m)1.57%
Valuation
Industry RankSector Rank
PE 10.35
Fwd PE 8.3
P/S 2.35
P/FCF 15
P/OCF 10.26
P/B 1.23
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)9.69
EY9.66%
EPS(NY)12.08
Fwd EY12.05%
FCF(TTM)6.69
FCFY6.67%
OCF(TTM)9.78
OCFY9.75%
SpS42.64
BVpS81.37
TBVpS68.07
PEG (NY)0.85
PEG (5Y)1.86
Profitability
Industry RankSector 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 RankSector 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
WACC21.26%
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)6.46%
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%