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Popular, Inc.

BPOP Financial Banks Regional

Popular, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.4 billion, up 2.51% from fiscal 2024.

Revenue
+4.48%
EPS
+40.8%
Free cash flow
+46.4%

Quarter to June 2026, against a year earlier

156.07 2.65 −1.67%
Market cap
$9.8B
P/E
10.5×
Fwd P/E
9.7×
Dividend yield
2.02%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Sold, $m 14.33
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — 1 1 — 1 2 — 1 4 — — —
Insider Ownership 3.84%

Capital & Financial Ratios $m

Size
Market Cap 9,810.00
Revenue ttm 4,534.65
Net income ttm 969.11
Free cash flow ttm 808.24
Net debt Q (4,951.67)
Valuation
P/E 10.54
Forward P/E 9.65
Price / sales 2.20
Forward P/S Powerpack
Price / FCF 12.35
Price / book 1.56
Financial health
Current ratio Q 0.61
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +4.48% (above 0%: growing)
Operating income growth Q +25.41% (above 0%: growing)
EPS, this year +32.77% (at or above 15%: strong)
EPS, next year A +8.89%
Revenue, next year A −22.11% (below 0%: weak)
EPS, past 5 yrs +15.95% (at or above 15%: strong)
EPS, next 5 yrs A +17.92% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 55.96%
10-year low 10-year high
P/S against its own 10 years 79.72%
10-year low 10-year high
P/B against its own 10 years 95.89%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.02%
Annual rate
3.15
Payout ratio
21.3%
Growth, 2018–26
+16.1%/yr
  1. 1.00 ’18
  2. 1.20 ’19 +20
  3. 1.60 ’20 +33
  4. 1.75 ’21 +9
  5. 2.20 ’22 +26
  6. 2.27 ’23 +3
  7. 2.56 ’24 +13
  8. 2.90 ’25 +13
  9. 3.30 ’26 +14
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 7,451 6,833 5,066 4,952
Receivables — — — —
Inventory — — — —
Other — — — —
41,791 43,464 43,896 44,005
2023 2024 2025 Q'26
Payables 63,618 64,884 66,190 70,233
ST’ Debt — — — —
Other — — — —
64,697 66,060 67,639 71,696

Compound Annual Growth %

10y 5y 3y
Sales 7.66% 11.27% 9.71%
Cash Flow 2.74% 5.29% (4.69%)
Earnings (0.69%) 10.50% (8.93%)
Book Value 2.04% 0.72% 15.14%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 3.90 Actual 4.21

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 3.02 3.38 Beat by 0.36
Q1 FY26 3.30 3.78 Beat by 0.48
Q2 FY26 3.69 4.35 Beat by 0.66
Q3 FY26 3.90 4.21 Beat by 0.31
Q4 FY26 4.12 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 3.78 4.35 — — —
’25 2.56 3.09 3.14 3.53 12.30
’24 1.43 2.46 2.16 2.51 8.56
’23 2.22 2.10 1.90 1.31 7.52
’22 2.69 2.77 5.70 3.56 14.63
’21 3.12 2.66 3.09 2.58 11.46
’20 0.37 1.49 2.00 2.10 5.87
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,113 1,162 — — —
’25 1,069 1,112 1,138 1,122 4,441
’24 1,058 1,088 1,102 1,084 4,332
’23 901 954 1,004 1,036 3,896
’22 684 729 1,078 872 3,363
’21 677 684 699 704 2,765
’20 677 621 642 664 2,604
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 192 347 — — —
’25 172 243 195 268 878
’24 162 80 233 199 675
’23 153 198 122 214 687
’22 197 294 322 201 1,015
’21 190 289 219 307 1,005
’20 193 115 184 187 679
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 155 291 — — —
’25 121 198 141 221 682
’24 109 42 177 142 470
’23 119 150 77 141 487
’22 183 271 301 167 921
’21 181 269 216 287 953
’20 185 99 190 172 645
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 18.3% a year for ten years. It grew 31.7% a year over the last ten.

Implied
18.3%
10 years, reported
31.7%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,933 2,145 2,674 2,831 2,604 2,765 3,363 3,896 4,332 4,441 4,535 +9.7% 3,459 3,575 3,718 (5.8%)
Gross margin, % 89.00 89.56 89.27 86.96 90.98 94.03 91.12 71.41 67.89 72.04 73.90 (17.0) pt
EBT 294 339 738 818 619 1,244 1,235 676 797 1,007 1,142 +14.6%
EBT margin, % 15.23 15.78 27.59 28.91 23.76 44.99 36.72 17.34 18.39 22.67 25.19 +7.4 pt
Net income 217 108 618 671 507 935 1,103 541 614 833 969 +16.1%
Per share, $
Per share, $ Revenue 18.71 21.04 26.44 29.23 30.32 34.02 44.75 54.33 60.51 65.71 70.99 +15.0%
Earnings 2.06 1.02 6.07 6.89 5.88 11.49 14.65 7.53 8.56 12.31 14.81 +22.0%
Cash flow 5.78 6.24 8.38 7.28 7.90 12.37 13.50 9.57 9.42 13.00 15.69 +9.4%
Capex (0.89) (0.52) (0.71) (0.70) (0.39) (0.64) (1.24) (2.78) (2.86) (2.91) (3.04) +14.1%
Free cash flow 4.89 5.72 7.67 6.59 7.51 11.73 12.26 6.79 6.57 10.09 12.65 +8.4%
Book value 50.33 50.06 53.74 62.13 70.20 73.46 54.47 71.77 78.40 92.46 100.70 +7.0%
Shares, m 103 102 101 97 86 81 75 72 72 68 66 (4.6%)
Valuation, ×
Valuation, × P/E 21.33 35.30 7.78 8.53 9.43 7.15 4.45 10.90 10.98 10.10 10.54 12.6
P/S 2.34 1.69 1.79 2.01 1.86 2.41 1.47 1.51 1.55 1.90 2.20 1.9
P/B 0.88 0.72 0.89 0.95 0.81 1.12 1.21 1.15 1.20 1.35 1.56 1.0
EV/Sales 0.62 (0.96) 0.06 0.71 (2.82) (4.10) (0.35) (0.40) (0.02) 0.75 — (0.7)
EV/FCF 2.39 (3.54) 0.22 3.13 (11.54) (11.89) (1.29) (3.22) (0.21) 4.92 — (2.1)
Cash, $m
Cash, $m Operating cash flow 597 636 848 705 679 1,005 1,015 687 675 878 1,002 +4.4%
Capex (91) (53) (71) (67) (34) (52) (93) (199) (205) (197) (194) +8.9%
Free cash flow 505 584 776 638 645 953 921 487 470 682 808 +3.4%
Balance, $m
Balance, $m Working capital (6,344) (7,466) (10,655) (14,374) (17,456) (21,561) (24,913) (22,906) (22,597) (23,743) (27,691) +15.8%
Net debt (3,312) (5,692) (4,603) (3,691) (12,169) (17,995) (6,112) (7,451) (6,833) (5,066) (4,952) +4.8%
Shareholders’ equity 5,198 5,104 5,435 6,017 6,029 5,969 4,093 5,147 5,613 6,249 6,433 +2.1%
Returns, %
Returns, % ROA 0.57 0.25 1.34 1.34 0.86 1.32 1.54 0.78 0.85 1.12 1.25 +0.5 pt
ROIC 9.76 0.00 55.41 21.99 0.00 0.00 0.00 0.00 0.00 53.18 48.20 +43.4 pt
ROE 4.17 2.04 11.77 11.76 8.43 15.62 21.98 11.74 11.44 14.08 15.68 +9.9 pt
People
People Employees 7,828 7,784 8,474 8,560 8,700 8,500 8,900 9,237 9,406 9,238 — +1.9%
Revenue/emp, $m 0.25 0.28 0.32 0.33 0.30 0.33 0.38 0.42 0.46 0.48 — +7.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Business profile

Updated

Popular, Inc. is a financial holding company headquartered in Hato Rey, Puerto Rico. Javier Ferrer-Fernández is its president and chief executive officer. Its principal banking businesses serve consumers and commercial customers in Puerto Rico, the mainland United States and the U.S. and British Virgin Islands.

Banco Popular de Puerto Rico provides banking services in Puerto Rico, including deposits, commercial loans, mortgages and consumer credit. Its consumer lending includes personal loans, credit cards and automobile loans. The bank also offers automobile financing through dealerships. Businesses can borrow for working capital, equipment and other projects, or obtain financing secured by commercial real estate.

Popular, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WTFC Wintrust Financial Corporation $10.2B 11.5× 11.4× +4.06% (above 0%: growing) +21.28% (above 0%: growing) −23.80% (below 0%: shrinking) 66.53% 0.00% Compare
UMBF UMB Financial Corporation $10.2B 10.1× 9.8× +4.21% (above 0%: growing) +53.84% (above 0%: growing) +39.21% (above 0%: growing) 68.49% 0.00% Compare
SSB SouthState Bank Corporation $10.1B 11.1× 11.3× −2.24% (below 0%: shrinking) −5.33% (below 0%: shrinking) +285.97% (above 0%: growing) 71.49% 0.00% Compare
CIB Grupo Cibest S.A. - Sponsored ADR $10.1B 18.0× — +178.87% (above 0%: growing) +85.47% (above 0%: growing) −187.28% (below 0%: shrinking) 71.39% 0.00% Compare
BPOP Popular, Inc. $9.8B 10.5× 9.7× +4.48% (above 0%: growing) +40.78% (above 0%: growing) +46.43% (above 0%: growing) 75.20% 0.00%
CFR Cullen/Frost Bankers, Inc. $9.7B 14.6× 14.2× +2.95% (above 0%: growing) +6.37% (above 0%: growing) +21.44% (above 0%: growing) 78.65% 0.00% Compare
ONB Old National Bancorp $9.5B 10.2× 9.8× −0.23% (below 0%: shrinking) +43.48% (above 0%: growing) +11.48% (above 0%: growing) 68.19% 0.00% Compare
ZION Zions Bancorporation, N.A. $9.5B 8.0× 8.2× −0.80% (below 0%: shrinking) +20.27% (above 0%: growing) +518.28% (above 0%: growing) 70.88% 0.00% Compare
CBC Central Bancompany $9.0B 20.6× 18.2× +10.36% (above 0%: growing) +9.05% (above 0%: growing) −5.17% (below 0%: shrinking) 85.56% 0.00% Compare
Median of peers $9.9B 11.3× 11.3× +3.51% +20.78% +16.46% 71.13% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • On the latest call, Lidio Soriano said Popular invested in securities during the quarter and obtained higher yields by reinvesting proceeds from maturing notes.
  • Soriano said Popular had reduced its full-year loan growth expectation, citing lower auto and lease activity and more moderate commercial growth.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 92.91%
Held by the ten largest 46.05%
Holder Shares Stake Change
Vanguard 7.83m 12.27% −504.09k
T. Rowe Price 4.71m 7.38% +404.04k
BlackRock 3.99m 6.25% −86.19k
Dimensional Fund Advisors 3.13m 4.89% −96.02k
AQR Capital Management 2.24m 3.51% −290.79k
State Street 1.77m 2.76% −30.95k
Citadel Advisors 1.58m 2.47% +773.30k
Geode Capital Management 1.50m 2.35% −73.80k
MFS Investment Management 1.46m 2.29% +83.06k
LSV ASSET MANAGEMENT 1.19m 1.87% +101.93k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 24 March 2026

Ownership

Directors and executive officers, together 2.13%
The Vanguard Group 12.46%
T. Rowe Price Associates, Inc. 6.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Popular, Inc. (BPOP) Latest News

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23 Jul

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BPOP metrics, ten years each

stockrow.com/BPOP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com