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POPULAR INC (BPOP) Stock Fundamental Analysis

NASDAQ:BPOP - Nasdaq - PR7331747001 - Common Stock - Currency: USD

102.22  +0.89 (+0.88%)

After market: 102.22 0 (0%)

Fundamental Rating

4

Overall BPOP gets a fundamental rating of 4 out of 10. We evaluated BPOP against 405 industry peers in the Banks industry. BPOP has a bad profitability rating. Also its financial health evaluation is rather negative. BPOP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BPOP had positive earnings in the past year.
In the past year BPOP had a positive cash flow from operations.
Each year in the past 5 years BPOP has been profitable.
BPOP had a positive operating cash flow in 4 of the past 5 years.
BPOP Yearly Net Income VS EBIT VS OCF VS FCFBPOP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

BPOP has a Return On Assets (0.74%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 9.15%, BPOP is in the better half of the industry, outperforming 61.31% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 9.15%
ROIC N/A
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)16.1%
ROE(5y)14.47%
ROIC(3y)N/A
ROIC(5y)N/A
BPOP Yearly ROA, ROE, ROICBPOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

BPOP has a worse Profit Margin (18.33%) than 65.33% of its industry peers.
BPOP's Profit Margin has declined in the last couple of years.
BPOP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.59%
PM growth 5Y-5.13%
GM growth 3YN/A
GM growth 5YN/A
BPOP Yearly Profit, Operating, Gross MarginsBPOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

BPOP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BPOP has less shares outstanding
The number of shares outstanding for BPOP has been reduced compared to 5 years ago.
BPOP has a worse debt/assets ratio than last year.
BPOP Yearly Shares OutstandingBPOP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BPOP Yearly Total Debt VS Total AssetsBPOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

BPOP has a debt to FCF ratio of 1.46. This is a very positive value and a sign of high solvency as it would only need 1.46 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.46, BPOP is in the better half of the industry, outperforming 68.84% of the companies in the same industry.
BPOP has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
BPOP's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BPOP outperforms 69.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.46
Altman-Z N/A
ROIC/WACCN/A
WACC18.64%
BPOP Yearly LT Debt VS Equity VS FCFBPOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPOP Yearly Current Assets VS Current LiabilitesBPOP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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6

3. Growth

3.1 Past

BPOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.28%, which is quite good.
The Earnings Per Share has been growing slightly by 5.57% on average over the past years.
Looking at the last year, BPOP shows a small growth in Revenue. The Revenue has grown by 5.71% in the last year.
BPOP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.62% yearly.
EPS 1Y (TTM)10.28%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%28.72%
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%8.04%

3.2 Future

The Earnings Per Share is expected to grow by 15.73% on average over the next years. This is quite good.
Based on estimates for the next years, BPOP will show a quite strong growth in Revenue. The Revenue will grow by 10.87% on average per year.
EPS Next Y11.83%
EPS Next 2Y15.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.99%
Revenue Next 2Y10.87%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BPOP Yearly Revenue VS EstimatesBPOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B
BPOP Yearly EPS VS EstimatesBPOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 5 10

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.35, which indicates a very decent valuation of BPOP.
73.37% of the companies in the same industry are more expensive than BPOP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.58. BPOP is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.14 indicates a reasonable valuation of BPOP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 75.88% of the companies listed in the same industry.
BPOP is valuated cheaply when we compare the Price/Forward Earnings ratio to 95.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.35
Fwd PE 10.14
BPOP Price Earnings VS Forward Price EarningsBPOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BPOP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 15.8
EV/EBITDA N/A
BPOP Per share dataBPOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

BPOP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BPOP's earnings are expected to grow with 15.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.96
PEG (5Y)2.04
EPS Next 2Y15.73%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BPOP has a Yearly Dividend Yield of 2.80%.
BPOP's Dividend Yield is comparable with the industry average which is at 3.17.
Compared to an average S&P500 Dividend Yield of 2.28, BPOP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.8%

5.2 History

On average, the dividend of BPOP grows each year by 16.27%, which is quite nice.
BPOP has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of BPOP decreased recently.
Dividend Growth(5Y)16.27%
Div Incr Years1
Div Non Decr Years1
BPOP Yearly Dividends per shareBPOP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

33.17% of the earnings are spent on dividend by BPOP. This is a low number and sustainable payout ratio.
The dividend of BPOP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y15.73%
EPS Next 3YN/A
BPOP Yearly Income VS Free CF VS DividendBPOP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BPOP Dividend Payout.BPOP Dividend Payout, showing the Payout Ratio.BPOP Dividend Payout.PayoutRetained Earnings

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POPULAR INC

NASDAQ:BPOP (2/5/2025, 8:00:01 PM)

After market: 102.22 0 (0%)

102.22

+0.89 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/bmo
Earnings (Next)N/A N/A
Inst Owners89.8%
Inst Owner Change-0.94%
Ins Owners2.05%
Ins Owner Change-2.07%
Market Cap7.29B
Analysts78.67
Price Target110.16 (7.77%)
Short Float %1.39%
Short Ratio1.99
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
Yearly Dividend2.22
Dividend Growth(5Y)16.27%
DP33.17%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.79%
Min EPS beat(2)-8.39%
Max EPS beat(2)13.97%
EPS beat(4)2
Avg EPS beat(4)5.79%
Min EPS beat(4)-8.39%
Max EPS beat(4)18.54%
EPS beat(8)6
Avg EPS beat(8)9.73%
EPS beat(12)9
Avg EPS beat(12)17.3%
EPS beat(16)13
Avg EPS beat(16)23.1%
Revenue beat(2)0
Avg Revenue beat(2)-5.92%
Min Revenue beat(2)-6.56%
Max Revenue beat(2)-5.29%
Revenue beat(4)1
Avg Revenue beat(4)1.49%
Min Revenue beat(4)-6.56%
Max Revenue beat(4)21.35%
Revenue beat(8)4
Avg Revenue beat(8)3.54%
Revenue beat(12)8
Avg Revenue beat(12)16.08%
Revenue beat(16)12
Avg Revenue beat(16)19.48%
PT rev (1m)0%
PT rev (3m)-5.36%
EPS NQ rev (1m)-0.64%
EPS NQ rev (3m)-3.91%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-4.54%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-4.44%
Valuation
Industry RankSector Rank
PE 11.35
Fwd PE 10.14
P/S 2.52
P/FCF 15.8
P/OCF 10.58
P/B 1.26
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)9.01
EY8.81%
EPS(NY)10.08
Fwd EY9.86%
FCF(TTM)6.47
FCFY6.33%
OCF(TTM)9.66
OCFY9.45%
SpS40.51
BVpS81.2
TBVpS68.29
PEG (NY)0.96
PEG (5Y)2.04
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 9.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.33%
GM N/A
FCFM 15.97%
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)16.1%
ROE(5y)14.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.59%
PM growth 5Y-5.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.46
Debt/EBITDA N/A
Cap/Depr 349.83%
Cap/Sales 7.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.64%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.28%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%28.72%
EPS Next Y11.83%
EPS Next 2Y15.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%8.04%
Revenue Next Year14.99%
Revenue Next 2Y10.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.19%
OCF growth 3YN/A
OCF growth 5YN/A