(BPOP) Popular - Ratings and Ratios
Banking, Loans, Credit, Leasing, Insurance
Dividends
| Dividend Yield | 2.40% |
| Yield on Cost 5y | 6.30% |
| Yield CAGR 5y | 12.47% |
| Payout Consistency | 76.2% |
| Payout Ratio | 25.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.4% |
| Value at Risk 5%th | 40.8% |
| Relative Tail Risk | -9.43% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.89 |
| Alpha | 13.45 |
| CAGR/Max DD | 0.95 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.613 |
| Beta | 0.894 |
| Beta Downside | 1.098 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.65% |
| Mean DD | 6.89% |
| Median DD | 5.29% |
Description: BPOP Popular November 05, 2025
Popular, Inc. (NASDAQ:BPOP) operates a diversified banking platform across Puerto Rico, the United States, and the British Virgin Islands, offering a full suite of retail, mortgage, and commercial banking products-including interest-bearing deposit accounts, a broad array of loan types (residential, commercial, construction, and consumer), as well as ancillary services such as investment banking, equipment leasing, broker-dealer activities, and insurance. Founded in 1893 and headquartered in Hato Rey, Puerto Rico, the firm positions itself as a regional bank serving both individual and corporate clients.
As of Q2 2024, BPOP reported a net interest margin of roughly 3.2% and a loan portfolio of about $28 billion, reflecting a 5% year-over-year increase in deposits driven by higher savings rates in the Caribbean market. The company’s earnings are sensitive to U.S. Federal Reserve policy-rising rates tend to boost net interest income but can also pressure loan demand-while Puerto Rico’s ongoing infrastructure rebuilding and tourism recovery act as a localized growth catalyst for commercial real-estate and consumer credit activity. In the broader regional-bank sector, consolidation pressure remains high, with M&A activity averaging a 12% premium over market price in the past year, indicating potential valuation upside for well-capitalized players like Popular.
For a deeper, data-driven look at how these dynamics translate into valuation metrics, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (797.1m TTM) > 0 and > 6% of Revenue (6% = 261.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.15pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -909.6% (prev -911.1%; Δ 1.50pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 809.5m > Net Income 797.1m (YES >=105%, WARN >=100%) |
| Net Debt (-3.74b) to EBITDA (994.6m) ratio: -3.76 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.42 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (68.1m) change vs 12m ago -5.22% (target <= -2.0% for YES) |
| Gross Margin 64.90% (prev 59.85%; Δ 5.05pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.94% (prev 5.81%; Δ 0.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.76 (EBITDA TTM 994.6m / Interest Expense TTM 1.27b) >= 6 (WARN >= 3) |
Altman Z'' -3.02
| (A) -0.53 = (Total Current Assets 28.20b - Total Current Liabilities 67.77b) / Total Assets 75.07b |
| (B) 0.07 = Retained Earnings (Balance) 5.02b / Total Assets 75.07b |
| (C) 0.01 = EBIT TTM 969.9m / Avg Total Assets 73.19b |
| (D) 0.13 = Book Value of Equity 8.67b / Total Liabilities 68.95b |
| Total Rating: -3.02 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.78
| 1. Piotroski 4.0pt |
| 2. FCF Yield -3.60% |
| 3. FCF Margin 13.77% |
| 4. Debt/Equity 0.23 |
| 5. Debt/Ebitda -3.76 |
| 6. ROIC - WACC (= 1.03)% |
| 7. RoE 13.58% |
| 8. Rev. Trend 86.01% |
| 9. EPS Trend -14.01% |
What is the price of BPOP shares?
Over the past week, the price has changed by +4.11%, over one month by +4.55%, over three months by -1.31% and over the past year by +28.83%.
Is BPOP a buy, sell or hold?
- Strong Buy: 3
- Buy: 4
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BPOP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 143.1 | 18.2% |
| Analysts Target Price | 143.1 | 18.2% |
| ValueRay Target Price | 149.9 | 23.8% |
BPOP Fundamental Data Overview December 02, 2025
P/E Trailing = 10.1693
P/E Forward = 8.4962
P/S = 2.695
P/B = 1.2551
P/EG = 1.75
Beta = 0.687
Revenue TTM = 4.35b USD
EBIT TTM = 969.9m USD
EBITDA TTM = 994.6m USD
Long Term Debt = 790.0m USD (from longTermDebt, last quarter)
Short Term Debt = 466.2m USD (from shortTermDebt, last quarter)
Debt = 1.39b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.74b USD (from netDebt column, last quarter)
Enterprise Value = -16.63b USD (7.75b + Debt 1.39b - CCE 25.78b)
Interest Coverage Ratio = 0.76 (Ebit TTM 969.9m / Interest Expense TTM 1.27b)
FCF Yield = -3.60% (FCF TTM 599.1m / Enterprise Value -16.63b)
FCF Margin = 13.77% (FCF TTM 599.1m / Revenue TTM 4.35b)
Net Margin = 18.32% (Net Income TTM 797.1m / Revenue TTM 4.35b)
Gross Margin = 64.90% ((Revenue TTM 4.35b - Cost of Revenue TTM 1.53b) / Revenue TTM)
Gross Margin QoQ = 65.86% (prev 67.52%)
Tobins Q-Ratio = -0.22 (set to none) (Enterprise Value -16.63b / Total Assets 75.07b)
Interest Expense / Debt = 22.98% (Interest Expense 320.1m / Debt 1.39b)
Taxrate = 13.46% (36.0m / 267.3m)
NOPAT = 839.4m (EBIT 969.9m * (1 - 13.46%))
Current Ratio = 0.42 (Total Current Assets 28.20b / Total Current Liabilities 67.77b)
Debt / Equity = 0.23 (Debt 1.39b / totalStockholderEquity, last quarter 6.12b)
Debt / EBITDA = -3.76 (Net Debt -3.74b / EBITDA 994.6m)
Debt / FCF = -6.24 (Net Debt -3.74b / FCF TTM 599.1m)
Total Stockholder Equity = 5.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 797.1m / Total Assets 75.07b)
RoE = 13.58% (Net Income TTM 797.1m / Total Stockholder Equity 5.87b)
RoCE = 14.56% (EBIT 969.9m / Capital Employed (Equity 5.87b + L.T.Debt 790.0m))
RoIC = 11.95% (NOPAT 839.4m / Invested Capital 7.02b)
WACC = 10.92% (E(7.75b)/V(9.15b) * Re(9.31%) + D(1.39b)/V(9.15b) * Rd(22.98%) * (1-Tc(0.13)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.68%
[DCF Debug] Terminal Value 72.43% ; FCFE base≈544.0m ; Y1≈503.7m ; Y5≈458.2m
Fair Price DCF = 99.23 (DCF Value 6.62b / Shares Outstanding 66.7m; 5y FCF grow -9.35% → 3.0% )
EPS Correlation: -14.01 | EPS CAGR: 5.38% | SUE: 1.05 | # QB: 4
Revenue Correlation: 86.01 | Revenue CAGR: 14.57% | SUE: 0.72 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.95 | Chg30d=+0.022 | Revisions Net=+0 | Analysts=4
EPS next Year (2026-12-31): EPS=13.44 | Chg30d=+0.267 | Revisions Net=+2 | Growth EPS=+13.5% | Growth Revenue=+6.6%
Additional Sources for BPOP Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle