Popular, Inc. (BPOP) vs Grupo Cibest S.A. - Sponsored ADR (CIB)

Popular, Inc. and Grupo Cibest S.A. - Sponsored ADR are both Banks Regional companies. Popular, Inc. and Grupo Cibest S.A. - Sponsored ADR are of similar size ($10.5B and $10.2B). Popular, Inc. trades at the lower P/E: 10.8× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 3.83%. Popular, Inc. has the higher net margin (21.3% vs 9.43%) and the higher return on invested capital (48.2% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 2.52%). Across the 20 metrics below, Popular, Inc. leads on 15 and Grupo Cibest S.A. - Sponsored ADR on 5.

Valuation

Metric BPOP CIB Banks Regional median
P/E 10.84 18.55 12.15
P/S 2.26 2.20 2.37
P/B 1.60 1.99 1.21
Price to free cash flow 12.70 21.98 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.17 1.59 2.27
Earnings yield 9.23% 5.39% 8.11%
Free cash flow yield 7.87% 4.55% 8.98%

Profitability

Metric BPOP CIB Banks Regional median
Gross margin 73.90% 69.28% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.34% 9.43% 18.66%
Free cash flow margin 17.82% 10.01% 21.18%
Return on equity 15.68% 11.82% 10.64%
Return on assets 1.25% 1.23% 1.13%
Return on invested capital 48.20% 33.72% 8.33%

Growth

Metric BPOP CIB Banks Regional median
Revenue growth (TTM) 3.83% 79.45% 6.61%
EPS growth (last fiscal year) 43.69% (41.90%) —
Revenue growth, 5-year CAGR 11.27% 2.34% 12.30%
Net income growth, 5-year CAGR 10.50% 50.69% 9.71%

Health

Metric BPOP CIB Banks Regional median
Debt to equity 0.00 0.18 0.22
Current ratio 0.61 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPOP CIB Banks Regional median
Dividend yield 2.52% 10.28% 3.75%
Payout ratio 0.16 0.44 0.27

Size

Metric BPOP CIB Banks Regional median
Market cap 10.18b 10.49b 921.07m

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