POPULAR INC(NASDAQ:BPOP) stock Fundamental Analysis

Fundamental Rating

Overall BPOP gets a fundamental rating of 4 out of 10. We evaluated BPOP against 402 industry peers in the Banks industry. Both the profitability and financial health of BPOP have multiple concerns. BPOP has a correct valuation and a medium growth rate.

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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.

BPOP had positive earnings in each of the past 5 years.

Each year in the past 5 years BPOP had a positive operating cash flow.

1.2 Ratios

BPOP's Return On Assets of 0.84% is in line compared to the rest of the industry. BPOP outperforms 53.47% of its industry peers.

Looking at the Return On Equity, with a value of 10.92%, BPOP is in the better half of the industry, outperforming 76.73% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.92%
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

1.3 Margins

The Profit Margin of BPOP (20.84%) is comparable to the rest of the industry.

BPOP's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for BPOP so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BPOP does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BPOP has been reduced compared to 1 year ago.

Compared to 5 years ago, BPOP has less shares outstanding

Compared to 1 year ago, BPOP has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BPOP is 1.94, which is an excellent value as it means it would take BPOP, only 1.94 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of BPOP (1.94) is comparable to the rest of the industry.

BPOP has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of BPOP (0.16) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.94
Altman-Z	N/A

ROIC/WACCN/A

WACC21.89%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

BPOP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.57% yearly.

BPOP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.71%.

The Revenue has been growing slightly by 3.62% on average over the past years.

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 14.31% on average over the next years. This is quite good.

BPOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.87% yearly.

EPS Next Y12.84%

EPS Next 2Y16.56%

EPS Next 3Y14.31%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.36, the valuation of BPOP can be described as very reasonable.

Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than 74.50% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. BPOP is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 9.18, which indicates a very decent valuation of BPOP.

Based on the Price/Forward Earnings ratio, BPOP is valued a bit cheaper than 77.23% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of BPOP to the average of the S&P500 Index (22.10), we can say BPOP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	9.18

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BPOP.

		Industry Rank	Sector Rank
P/FCF	14.08
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as BPOP's earnings are expected to grow with 14.31% in the coming years.

PEG (NY)0.81

PEG (5Y)1.86

EPS Next 2Y16.56%

EPS Next 3Y14.31%

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5. Dividend

5.1 Amount

BPOP has a Yearly Dividend Yield of 2.98%.

Compared to an average industry Dividend Yield of 3.37, BPOP has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, BPOP pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.98%

5.2 History

The dividend of BPOP is nicely growing with an annual growth rate of 16.51%!

BPOP has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of BPOP decreased recently.

Dividend Growth(5Y)16.51%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

BPOP pays out 29.45% of its income as dividend. This is a sustainable payout ratio.

The dividend of BPOP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP29.45%

EPS Next 2Y16.56%

EPS Next 3Y14.31%

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POPULAR INC

NASDAQ:BPOP (3/7/2025, 8:08:19 PM)

After market: 93.33 0 (0%)

93.33

-0.5 (-0.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/bmo

Earnings (Next)04-21 2025-04-21/bmo

Inst Owners90.69%

Inst Owner Change-1.06%

Ins Owners2.02%

Ins Owner Change3.71%

Market Cap6.50B

Analysts78.67

Price Target117.19 (25.57%)

Short Float %1.17%

Short Ratio1.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.98%

Yearly Dividend2.54

Dividend Growth(5Y)16.51%

DP29.45%

Div Incr Years1

Div Non Decr Years1

Ex-Date03-18 2025-03-18 (0.7)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.68%

Min EPS beat(2)-8.39%

Max EPS beat(2)19.75%

EPS beat(4)2

Avg EPS beat(4)6.09%

Min EPS beat(4)-8.39%

Max EPS beat(4)19.75%

EPS beat(8)6

Avg EPS beat(8)8.04%

EPS beat(12)9

Avg EPS beat(12)17.85%

EPS beat(16)13

Avg EPS beat(16)22.23%

Revenue beat(2)1

Avg Revenue beat(2)7.37%

Min Revenue beat(2)-6.56%

Max Revenue beat(2)21.3%

Revenue beat(4)1

Avg Revenue beat(4)1.48%

Min Revenue beat(4)-6.56%

Max Revenue beat(4)21.3%

Revenue beat(8)4

Avg Revenue beat(8)3.15%

Revenue beat(12)8

Avg Revenue beat(12)15.21%

Revenue beat(16)12

Avg Revenue beat(16)19.21%

PT rev (1m)6.38%

PT rev (3m)10.35%

EPS NQ rev (1m)1.22%

EPS NQ rev (3m)4.51%

EPS NY rev (1m)0.9%

EPS NY rev (3m)-0.16%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)7.91%

Revenue NY rev (1m)0%

Revenue NY rev (3m)6.05%

Valuation

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	9.18
P/S	2.21
P/FCF	14.08
P/OCF	9.63
P/B	1.16
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)9.01

EY9.65%

EPS(NY)10.17

Fwd EY10.89%

FCF(TTM)6.63

FCFY7.1%

OCF(TTM)9.69

OCFY10.39%

SpS42.25

BVpS80.64

TBVpS67.45

PEG (NY)0.81

PEG (5Y)1.86

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.92%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.84%
GM	N/A
FCFM	15.68%

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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.94
Debt/EBITDA	N/A
Cap/Depr	355.59%
Cap/Sales	7.26%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	75.28%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC21.89%

ROIC/WACCN/A

Cap/Depr(3y)290.2%

Cap/Depr(5y)215.63%

Cap/Sales(3y)6.04%

Cap/Sales(5y)4.7%

Profit Quality(3y)82.21%

Profit Quality(5y)93.78%

High Growth Momentum

Growth

EPS 1Y (TTM)10.28%

EPS 3Y-7.68%

EPS 5Y5.57%

EPS Q2Q%28.72%

EPS Next Y12.84%

EPS Next 2Y16.56%

EPS Next 3Y14.31%

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-3.61%

FCF growth 3Y-20.88%

FCF growth 5Y-5.72%

OCF growth 1Y-1.73%

OCF growth 3Y-12.44%

OCF growth 5Y-0.89%

POPULAR INC (BPOP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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