(BPOP) Popular - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: PR7331747001
Deposits, Loans, Cards, Leasing, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.70% |
| Yield on Cost 5y | 5.68% |
| Yield CAGR 5y | 13.46% |
| Payout Consistency | 80.6% |
| Payout Ratio | 25.6% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 30.4% |
| Value at Risk 5%th | 45.5% |
| Relative Tail Risk | -9.08% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.98 |
| Alpha | 14.23 |
| CAGR/Max DD | 0.95 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.382 |
| Beta | 0.896 |
| Beta Downside | 1.109 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.65% |
| Mean DD | 6.93% |
| Median DD | 5.32% |
Description: BPOP Popular January 08, 2026
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 accounts, a wide range of loan types, lease financing, investment-banking services, and digital banking channels.
Key data points to note: as of the latest quarter, BPOP reported a net interest margin of ~3.2%, modestly above the regional-bank average of 2.9%; loan growth in Puerto Rico accelerated 7% YoY, driven by a rebound in residential mortgage originations as the island’s construction activity recovers post-hurricane. The bank’s loan-to-deposit ratio sits near 85%, indicating a balanced funding profile, while its CET1 capital ratio remains comfortably above the 10% regulatory minimum, providing a buffer against potential credit-risk headwinds.
For a deeper quantitative dive, you might explore ValueRay’s analytical tools to benchmark Popular’s performance against peers and assess the sensitivity of its earnings to macro-economic variables such as U.S. interest-rate shifts and Puerto Rico’s GDP growth trajectory.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 777.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.15 > 1.0 |
| NWC/Revenue: -930.2% < 20% (prev -911.1%; Δ -19.08% < -1%) |
| CFO/TA 0.01 > 3% & CFO 809.5m > Net Income 777.1m |
| Net Debt (-3.74b) to EBITDA (1.00b): -3.73 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (68.1m) vs 12m ago -5.22% < -2% |
| Gross Margin: 64.11% > 18% (prev 0.60%; Δ 6351 % > 0.5%) |
| Asset Turnover: 5.81% > 50% (prev 5.81%; Δ -0.00% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBITDA TTM 1.00b / Interest Expense TTM 1.27b) |
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 5.02b / Total Assets 75.07b) |
| C: 0.01 (EBIT TTM 949.9m / Avg Total Assets 73.19b) |
| D: 0.13 (Book Value of Equity 8.67b / Total Liabilities 68.95b) |
| Altman-Z'' Score: -3.02 = D |
Beneish M -3.04
| DSRI: 1.04 (Receivables 2.30b/2.15b, Revenue 4.25b/4.15b) |
| GMI: 0.93 (GM 64.11% / 59.85%) |
| AQI: 0.99 (AQ_t 0.61 / AQ_t-1 0.62) |
| SGI: 1.03 (Revenue 4.25b / 4.15b) |
| TATA: -0.00 (NI 777.1m - CFO 809.5m) / TA 75.07b) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of BPOP shares?
As of January 29, 2026, the stock is trading at USD 131.54 with a total of 797,053 shares traded.
Over the past week, the price has changed by +2.29%, over one month by +4.57%, over three months by +17.78% and over the past year by +31.90%.
Over the past week, the price has changed by +2.29%, over one month by +4.57%, over three months by +17.78% and over the past year by +31.90%.
Is BPOP a buy, sell or hold?
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
What are the forecasts/targets for the BPOP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 145.7 | 10.8% |
| Analysts Target Price | 145.7 | 10.8% |
| ValueRay Target Price | 163.4 | 24.2% |
BPOP Fundamental Data Overview January 27, 2026
P/E Trailing = 10.8129
P/E Forward = 9.0334
P/S = 2.8656
P/B = 1.3346
P/EG = 1.75
Revenue TTM = 4.25b USD
EBIT TTM = 949.9m USD
EBITDA TTM = 1.00b 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 = -16.14b USD (8.24b + Debt 1.39b - CCE 25.78b)
Interest Coverage Ratio = 0.75 (Ebit TTM 949.9m / Interest Expense TTM 1.27b)
EV/FCF = -26.94x (Enterprise Value -16.14b / FCF TTM 599.1m)
FCF Yield = -3.71% (FCF TTM 599.1m / Enterprise Value -16.14b)
FCF Margin = 14.08% (FCF TTM 599.1m / Revenue TTM 4.25b)
Net Margin = 18.26% (Net Income TTM 777.1m / Revenue TTM 4.25b)
Gross Margin = 64.11% ((Revenue TTM 4.25b - Cost of Revenue TTM 1.53b) / Revenue TTM)
Gross Margin QoQ = 64.05% (prev 66.38%)
Tobins Q-Ratio = -0.22 (set to none) (Enterprise Value -16.14b / Total Assets 75.07b)
Interest Expense / Debt = 22.98% (Interest Expense 320.1m / Debt 1.39b)
Taxrate = 14.55% (36.0m / 247.3m)
NOPAT = 811.7m (EBIT 949.9m * (1 - 14.55%))
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 = -3.73 (Net Debt -3.74b / EBITDA 1.00b)
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 777.1m / Total Assets 75.07b)
RoE = 13.24% (Net Income TTM 777.1m / Total Stockholder Equity 5.87b)
RoCE = 14.26% (EBIT 949.9m / Capital Employed (Equity 5.87b + L.T.Debt 790.0m))
RoIC = 11.56% (NOPAT 811.7m / Invested Capital 7.02b)
WACC = 10.73% (E(8.24b)/V(9.64b) * Re(9.22%) + D(1.39b)/V(9.64b) * Rd(22.98%) * (1-Tc(0.15)))
Discount Rate = 9.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.68%
[DCF Debug] Terminal Value 67.25% ; FCFF base≈544.0m ; Y1≈503.6m ; Y5≈457.1m
Fair Price DCF = 136.6 (EV 5.37b - Net Debt -3.74b = Equity 9.11b / Shares 66.7m; r=10.73% [WACC]; 5y FCF grow -9.35% → 2.90% )
EPS Correlation: -14.01 | EPS CAGR: 5.38% | SUE: 1.05 | # QB: 4
Revenue Correlation: 84.03 | Revenue CAGR: 13.00% | SUE: 0.60 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.95 | Chg30d=+0.032 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=13.48 | Chg30d=+0.034 | Revisions Net=+2 | Growth EPS=+13.7% | Growth Revenue=+6.5%
P/E Forward = 9.0334
P/S = 2.8656
P/B = 1.3346
P/EG = 1.75
Revenue TTM = 4.25b USD
EBIT TTM = 949.9m USD
EBITDA TTM = 1.00b 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 = -16.14b USD (8.24b + Debt 1.39b - CCE 25.78b)
Interest Coverage Ratio = 0.75 (Ebit TTM 949.9m / Interest Expense TTM 1.27b)
EV/FCF = -26.94x (Enterprise Value -16.14b / FCF TTM 599.1m)
FCF Yield = -3.71% (FCF TTM 599.1m / Enterprise Value -16.14b)
FCF Margin = 14.08% (FCF TTM 599.1m / Revenue TTM 4.25b)
Net Margin = 18.26% (Net Income TTM 777.1m / Revenue TTM 4.25b)
Gross Margin = 64.11% ((Revenue TTM 4.25b - Cost of Revenue TTM 1.53b) / Revenue TTM)
Gross Margin QoQ = 64.05% (prev 66.38%)
Tobins Q-Ratio = -0.22 (set to none) (Enterprise Value -16.14b / Total Assets 75.07b)
Interest Expense / Debt = 22.98% (Interest Expense 320.1m / Debt 1.39b)
Taxrate = 14.55% (36.0m / 247.3m)
NOPAT = 811.7m (EBIT 949.9m * (1 - 14.55%))
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 = -3.73 (Net Debt -3.74b / EBITDA 1.00b)
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 777.1m / Total Assets 75.07b)
RoE = 13.24% (Net Income TTM 777.1m / Total Stockholder Equity 5.87b)
RoCE = 14.26% (EBIT 949.9m / Capital Employed (Equity 5.87b + L.T.Debt 790.0m))
RoIC = 11.56% (NOPAT 811.7m / Invested Capital 7.02b)
WACC = 10.73% (E(8.24b)/V(9.64b) * Re(9.22%) + D(1.39b)/V(9.64b) * Rd(22.98%) * (1-Tc(0.15)))
Discount Rate = 9.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.68%
[DCF Debug] Terminal Value 67.25% ; FCFF base≈544.0m ; Y1≈503.6m ; Y5≈457.1m
Fair Price DCF = 136.6 (EV 5.37b - Net Debt -3.74b = Equity 9.11b / Shares 66.7m; r=10.73% [WACC]; 5y FCF grow -9.35% → 2.90% )
EPS Correlation: -14.01 | EPS CAGR: 5.38% | SUE: 1.05 | # QB: 4
Revenue Correlation: 84.03 | Revenue CAGR: 13.00% | SUE: 0.60 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.95 | Chg30d=+0.032 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=13.48 | Chg30d=+0.034 | Revisions Net=+2 | Growth EPS=+13.7% | Growth Revenue=+6.5%