BPOP Stock Analysis: Popular | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 10.790m USD | 12M Return: 53.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 91.2M
EPS Trend: 79.9%
Qual. Beats: 6
Rev. Trend: 94.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Popular, Inc. is a diversified financial holding company founded in 1893 and headquartered in Hato Rey, Puerto Rico, operating across Puerto Rico, the United States, the British Virgin Islands, the broader Caribbean, and Latin America. Through its subsidiaries, the company provides retail, mortgage, and commercial banking services to individuals and businesses, offering a full suite of deposit products (including savings, checking, money market, NOW, IRA, and certificates of deposit) and a broad lending portfolio spanning commercial and industrial loans, commercial real estate, residential mortgages, consumer loans, construction financing, auto leases, renewable energy loans, and specialized programs for startups and healthcare businesses. Beyond traditional banking, Popular delivers complementary financial services such as insurance, broker-dealer operations, wealth and retirement planning, international and private banking, foreign exchange, fiduciary services, and digital/online banking.
As a Regional Bank under the GICS classification, Popular follows a relationship-driven model typical of large community-oriented institutions, combining core deposit gathering with commercial and consumer lending in its primary markets. Its diversified service mix, extending from standard banking into insurance and investment advisory offerings, reflects a universal banking approach designed to serve both retail customers and commercial clients across multiple financial needs.
- Puerto Rico economic recovery drives loan and deposit growth
- Net interest margin pressured by Fed rate trajectory
- Credit costs improve with declining Puerto Rico charge-offs
| Net Income: 901.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.30 > 1.0 |
| NWC/Revenue: -949.4% < 20% (prev -920.7%; Δ -28.74% < -1%) |
| CFO/TA 0.01 > 3% & CFO 898.0m > Net Income 901.3m |
| Net Debt (-25.4b) to EBITDA (1.12b): -22.67 < 3 |
| Current Ratio: 0.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (64.9m) vs 12m ago -6.36% < -2% |
| Gross Margin: 68.18% > 18% (prev 61.70%; Δ 6.48% > 0.5%) |
| Asset Turnover: 5.87% > 50% (prev 5.67%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 1.08b / Interest Expense TTM 1.21b) |
| A: -0.55 (Total Current Assets 26.9b - Total Current Liabilities 68.7b) / Total Assets 76.1b |
| B: 0.07 (Retained Earnings 5.40b / Total Assets 76.1b) |
| C: 0.01 (EBIT TTM 1.08b / Avg Total Assets 75.1b) |
| D: 0.09 (Book Value of Equity 6.31b / Total Liabilities 69.8b) |
| Altman-Z'' = -3.19 = D |
| DSRI: 0.10 (Receivables 551k/2.21b, Revenue 4.41b/4.20b) |
| GMI: 0.90 (GM 61.70% / 68.18%) |
| AQI: 1.05 (AQ_t 0.64 / AQ_t-1 0.61) |
| SGI: 1.05 (Revenue 4.41b / 4.20b) |
| TATA: 0.00 (NI 901.3m - CFO 898.0m) / TA 76.1b) |
| Beneish M = -3.79 (Cap -4..+1) = AAA |
As of July 02, 2026, the stock is trading at USD 164.18 with a total of 573,669 shares traded. Over the past week, the price has changed by +1.72%, over one month by +14.02%, over three months by +24.12% and over the past year by +53.05%.
Current recommended Stop Loss: 160.00 (which is 2.5% 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 | 172.3 | 5% |
P/E Trailing = 12.3661
P/E Forward = 12.1359
P/S = 3.5602
P/B = 1.716
P/EG = 1.3651
Revenue TTM = 4.41b USD
EBIT TTM = 1.08b USD
EBITDA TTM = 1.12b USD
Long Term Debt = 735.0m USD (from longTermDebt, last quarter)
Short Term Debt = 392.8m USD (from shortTermDebt, last quarter)
Debt = 1.40b USD (from shortLongTermDebtTotal, last quarter) + Leases 134.9m
Net Debt = -25.4b USD (calculated: Debt 1.40b - CCE 26.8b)
Enterprise Value = 10.8b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.89 (Ebit TTM 1.08b / Interest Expense TTM 1.21b)
EV/FCF = 15.08x (Enterprise Value 10.8b / FCF TTM 715.4m)
FCF Yield = 6.63% (FCF TTM 715.4m / Enterprise Value 10.8b)
FCF Margin = 16.22% (FCF TTM 715.4m / Revenue TTM 4.41b)
Net Margin = 20.43% (Net Income TTM 901.3m / Revenue TTM 4.41b)
Gross Margin = 68.18% ((Revenue TTM 4.41b - Cost of Revenue TTM 1.40b) / Revenue TTM)
Gross Margin QoQ = 75.11% (prev 67.09%)
Tobins Q-Ratio = 0.14 (Enterprise Value 10.8b / Total Assets 76.1b)
Interest Expense / Debt = 86.39% (Interest Expense 1.21b / Debt 1.40b)
Taxrate = 16.30% (175.5m / 1.08b)
NOPAT = 901.3m (EBIT 1.08b * (1 - 16.30%))
Current Ratio = 0.39 (Total Current Assets 26.9b / Total Current Liabilities 68.7b)
Debt / Equity = 0.22 (Debt 1.40b / totalStockholderEquity, last quarter 6.31b)
Debt / EBITDA = -22.67 (Net Debt -25.4b / EBITDA 1.12b)
Debt / FCF = -35.47 (Net Debt -25.4b / FCF TTM 715.4m)
Total Stockholder Equity = 6.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 901.3m / Total Assets 76.1b)
RoE = 14.64% (Net Income TTM 901.3m / Total Stockholder Equity 6.16b)
RoCE = 15.62% (EBIT 1.08b / Capital Employed (Equity 6.16b + L.T.Debt 735.0m))
RoIC = 11.92% (NOPAT 901.3m / Invested Capital 7.56b)
WACC = 8.14% (E(10.8b)/V(12.2b) * Re(9.20%) + (debt cost/tax rate unavailable))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.40 | Cagr: -4.44%
[DCF] Terminal Value 77.97% ; FCFF base≈618.9m ; Y1≈709.5m ; Y5≈1.04b
[DCF] Fair Price = 636.7 (EV 15.7b - Net Debt -25.4b = Equity 41.1b / Shares 64.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 79.92 | EPS CAGR: 16.35% | SUE: 2.32 | # QB: 6
Revenue Correlation: 94.23 | Revenue CAGR: 7.83% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.65 | Chg30d=+0.00% | Revisions=-11% | Analysts=5
EPS current Year (2026-12-31): EPS=14.79 | Chg30d=+0.00% | Revisions=+56% | GrowthEPS=+21.4% | GrowthRev=+6.7%
EPS next Year (2027-12-31): EPS=16.48 | Chg30d=+0.00% | Revisions=+56% | GrowthEPS=+11.5% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +56%