BPOP Stock Analysis: Popular | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 9.969m USD | 12M Return: 27.9% | PR7331747001 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 89.7M
EPS Trend: 92.7%
Qual. Beats: 7
Rev. Trend: 93.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Popular, Inc. (BPOP) is a financial holding company that operates as a regional bank, providing retail, mortgage, and commercial banking services primarily across Puerto Rico, the U.S., the British Virgin Islands, the Caribbean, and Latin America. Founded in 1893 and headquartered in Hato Rey, Puerto Rico, the company offers a comprehensive suite of products including deposit accounts, commercial and consumer loans, lease financing, insurance, broker-dealer services, and digital banking solutions. As a holding company, Popular conducts its banking operations through subsidiaries, a common structure in the regional banking sector that separates the parent entity from its regulated financial subsidiaries. The companys broad geographic footprint across the Caribbean and Latin America distinguishes it from many U.S.-focused regional banks, positioning it as a key financial intermediary in markets with less concentrated banking competition.
- Puerto Rico economic recovery drives loan demand and deposit growth
- Net interest margin compresses as Federal Reserve cuts rates
- Commercial real estate loan portfolio credit quality remains in focus
| Net Income: 969.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.19 > 1.0 |
| NWC/Revenue: -1.52k% < 20% (prev -931.7%; Δ -587.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.00b > Net Income 969.1m |
| Net Debt (-23.3b) to EBITDA (1.20b): -19.45 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.9m) vs 12m ago -6.12% < -2% |
| Gross Margin: 68.98% > 18% (prev 62.86%; Δ 6.13% > 0.5%) |
| Asset Turnover: 5.81% > 50% (prev 5.55%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 1.14b / Interest Expense TTM 1.18b) |
| A: -0.87 (Total Current Assets 365.0m - Total Current Liabilities 68.7b) / Total Assets 79.0b |
| B: 0.07 (Retained Earnings 5.63b / Total Assets 79.0b) |
| C: 0.01 (EBIT TTM 1.14b / Avg Total Assets 77.5b) |
| D: 0.09 (Book Value of Equity 6.43b / Total Liabilities 72.5b) |
| Altman-Z'' = -5.26 = D |
| DSRI: 0.10 (Receivables 7.63m/2.25b, Revenue 4.50b/4.22b) |
| GMI: 0.91 (GM 62.86% / 68.98%) |
| AQI: 1.64 (AQ_t 0.99 / AQ_t-1 0.60) |
| SGI: 1.07 (Revenue 4.50b / 4.22b) |
| TATA: -0.00 (NI 969.1m - CFO 1.00b) / TA 79.0b) |
| Beneish M = -3.42 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 158.82 with a total of 557,583 shares traded. Over the past week, the price has changed by -0.02%, over one month by -4.71%, over three months by -5.33% and over the past year by +27.87%.
Current recommended Stop Loss: 155.00 (which is 2.4% or 1.3 ATR below the current price).
Popular has received a consensus analysts rating of 4.11. Therefore, it is recommended to buy BPOP.
- StrongBuy: 3
- Buy: 4
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 196.7 | 23.9% |
P/E Trailing = 10.568
P/E Forward = 9.6805
P/S = 3.2551
P/B = 1.5937
P/EG = 1.3651
Revenue TTM = 4.50b USD
EBIT TTM = 1.14b USD
EBITDA TTM = 1.20b USD
Long Term Debt = 710.3m USD (from longTermDebt, last quarter)
Short Term Debt = 752.5m USD (from shortTermDebt, last quarter)
Debt = 1.74b USD (from shortLongTermDebtTotal, last quarter) + Leases 136.1m
Net Debt = -23.3b USD (calculated: Debt 1.74b - CCE 25.1b)
Enterprise Value = 9.97b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.97 (Ebit TTM 1.14b / Interest Expense TTM 1.18b)
EV/FCF = 12.35x (Enterprise Value 9.97b / FCF TTM 807.2m)
FCF Yield = 8.10% (FCF TTM 807.2m / Enterprise Value 9.97b)
FCF Margin = 17.93% (FCF TTM 807.2m / Revenue TTM 4.50b)
Net Margin = 21.53% (Net Income TTM 969.1m / Revenue TTM 4.50b)
Gross Margin = 68.98% ((Revenue TTM 4.50b - Cost of Revenue TTM 1.40b) / Revenue TTM)
Gross Margin QoQ = 69.62% (prev 75.11%)
Tobins Q-Ratio = 0.13 (Enterprise Value 9.97b / Total Assets 79.0b)
Interest Expense / Debt = 68.20% (Interest Expense 1.18b / Debt 1.74b)
Taxrate = 15.17% (173.4m / 1.14b)
NOPAT = 969.1m (EBIT 1.14b * (1 - 15.17%))
Current Ratio = 0.01 (Total Current Assets 365.0m / Total Current Liabilities 68.7b)
Debt / Equity = 0.27 (Debt 1.74b / totalStockholderEquity, last quarter 6.43b)
Debt / EBITDA = -19.45 (Net Debt -23.3b / EBITDA 1.20b)
Debt / FCF = -28.92 (Net Debt -23.3b / FCF TTM 807.2m)
Total Stockholder Equity = 6.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 969.1m / Total Assets 79.0b)
RoE = 15.44% (Net Income TTM 969.1m / Total Stockholder Equity 6.28b)
RoCE = 16.35% (EBIT 1.14b / Capital Employed (Equity 6.28b + L.T.Debt 710.3m))
RoIC = 1.23% (NOPAT 969.1m / Invested Capital 78.7b)
WACC = 7.82% (E(9.97b)/V(11.7b) * Re(9.18%) + (debt cost/tax rate unavailable))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.02 | Cagr: -5.14%
[DCF] Terminal Value 77.97% ; FCFF base≈737.7m ; Y1≈845.7m ; Y5≈1.24b
[DCF] Fair Price = 659.7 (EV 18.7b - Net Debt -23.3b = Equity 42.1b / Shares 63.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 92.68 | EPS CAGR: 24.07% | SUE: 2.66 | # QB: 7
Revenue Correlation: 93.65 | Revenue CAGR: 7.42% | SUE: 0.77 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.90 | Chg30d=-0.55% | Revisions=+0% | Analysts=6
EPS current Year (2026-12-31): EPS=15.86 | Chg30d=-0.17% | Revisions=-25% | GrowthEPS=+30.2% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=17.36 | Chg30d=+0.23% | Revisions=+40% | GrowthEPS=+9.5% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +12% (up=3, down=2)