Popular, Inc. (BPOP) vs Central Bancompany (CBC)

Popular, Inc. and Central Bancompany are both Banks Regional companies. Popular, Inc. and Central Bancompany are of similar size ($9.8B and $9.0B). Popular, Inc. trades at the lower P/E: 10.5× against 20.6×. Central Bancompany has the higher net margin (33.4% vs 21.3%) and the lower return on invested capital (14.8% vs 48.2%). Both pay a dividend; Popular, Inc. yields more (2.02% vs 0.96%). Across the 15 metrics below, Popular, Inc. leads on 10 and Central Bancompany on 5.

Valuation

Metric BPOP CBC Banks Regional median
P/E 10.54 20.61 12.02
P/S 2.20 7.05 2.36
P/B 1.56 2.32 1.23
Price to free cash flow 12.35 18.45 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.49% 4.85% 8.21%
Free cash flow yield 8.10% 5.42% 9.23%

Profitability

Metric BPOP CBC Banks Regional median
Gross margin 73.90% 88.37% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.34% 33.37% 18.82%
Free cash flow margin 17.82% 38.21% 17.97%
Return on equity 15.68% 0.00% 10.28%
Return on assets 1.25% 4.18% 1.13%
Return on invested capital 48.20% 14.75% 8.45%

Growth

Metric BPOP CBC Banks Regional median
Revenue growth (TTM) 3.83% — 6.37%
EPS growth (last fiscal year) 43.69% 26.24% 18.85%
Revenue growth, 5-year CAGR 11.27% — 12.65%
Net income growth, 5-year CAGR 10.50% — 9.81%

Health

Metric BPOP CBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.61 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPOP CBC Banks Regional median
Dividend yield 2.02% 0.96% 2.49%
Payout ratio 0.21 0.20 0.29

Size

Metric BPOP CBC Banks Regional median
Market cap 9.81b 8.96b 934.85m

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