126.32 USD
+1.37 (+1.1%)
126.32 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to BPOP. BPOP was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of BPOP while its profitability can be described as average. BPOP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
BPOP had positive earnings in the past year.
BPOP had a positive operating cash flow in the past year.
In the past 5 years BPOP has always been profitable.
BPOP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BPOP (1.03%) is better than 63.66% of its industry peers.
BPOP has a better Return On Equity (12.68%) than 85.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 12.68% | ||
| 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
Looking at the Profit Margin, with a value of 24.77%, BPOP is in line with its industry, outperforming 52.06% of the companies in the same industry.
In the last couple of years the Profit Margin of BPOP has declined.
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) | 24.77% | ||
| 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
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.
The debt/assets ratio for BPOP is higher compared to a year ago.
2.2 Solvency
BPOP has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
BPOP has a Debt to FCF ratio (1.80) which is in line with its industry peers.
A Debt/Equity ratio of 0.18 indicates that BPOP is not too dependend on debt financing.
BPOP has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: BPOP outperforms 47.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BPOP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.98%, which is quite impressive.
Measured over the past 5 years, BPOP shows a small growth in Earnings Per Share. The EPS has been growing by 5.57% on average per year.
Looking at the last year, BPOP shows a quite strong growth in Revenue. The Revenue has grown by 8.38% in the last year.
The Revenue has been growing slightly by 3.62% on average over the past years.
EPS 1Y (TTM)35.98%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%45.37%
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
3.2 Future
Based on estimates for the next years, BPOP will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.87% on average per year.
The Revenue is expected to grow by 13.20% on average over the next years. This is quite good.
EPS Next Y33.33%
EPS Next 2Y24.17%
EPS Next 3Y19.87%
EPS Next 5YN/A
Revenue Next Year13.8%
Revenue Next 2Y15.29%
Revenue Next 3Y13.2%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.99 indicates a reasonable valuation of BPOP.
Compared to the rest of the industry, the Price/Earnings ratio of BPOP indicates a somewhat cheap valuation: BPOP is cheaper than 73.45% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.61. BPOP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.09, the valuation of BPOP can be described as very reasonable.
Based on the Price/Forward Earnings ratio, BPOP is valued a bit cheaper than 79.64% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.01. BPOP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 9.09 |
4.2 Price Multiples
BPOP's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.06 | ||
| 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.
BPOP's earnings are expected to grow with 19.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)1.97
EPS Next 2Y24.17%
EPS Next 3Y19.87%
5. Dividend
5.1 Amount
BPOP has a Yearly Dividend Yield of 2.40%.
Compared to an average industry Dividend Yield of 2.74, BPOP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, BPOP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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.
BPOP has decreased its dividend recently.
Dividend Growth(5Y)16.51%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
24.73% 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 earnings are growing more, so the dividend growth is sustainable.
DP24.73%
EPS Next 2Y24.17%
EPS Next 3Y19.87%
126.32
+1.37 (+1.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.73%
Inst Owner Change5.69%
Ins Owners2.16%
Ins Owner Change-2.41%
Market Cap8.42B
Revenue(TTM)3.13B
Net Income(TTM)775.66M
Analysts80
Price Target145.97 (15.56%)
Short Float %1.95%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend2.54
Dividend Growth(5Y)16.51%
DP24.73%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.12%
Min EPS beat(2)4.39%
Max EPS beat(2)25.85%
EPS beat(4)4
Avg EPS beat(4)16.31%
Min EPS beat(4)4.39%
Max EPS beat(4)25.85%
EPS beat(8)6
Avg EPS beat(8)11.05%
EPS beat(12)10
Avg EPS beat(12)11.92%
EPS beat(16)13
Avg EPS beat(16)17.05%
Revenue beat(2)0
Avg Revenue beat(2)-4.4%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)-3.21%
Revenue beat(4)1
Avg Revenue beat(4)2.54%
Min Revenue beat(4)-5.58%
Max Revenue beat(4)21.3%
Revenue beat(8)2
Avg Revenue beat(8)2.01%
Revenue beat(12)5
Avg Revenue beat(12)3.21%
Revenue beat(16)9
Avg Revenue beat(16)12.7%
PT rev (1m)0.08%
PT rev (3m)4.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.91%
EPS NY rev (1m)0.58%
EPS NY rev (3m)3.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.22%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 9.09 | ||
| P/S | 2.69 | ||
| P/FCF | 14.06 | ||
| P/OCF | 10.4 | ||
| P/B | 1.38 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.49
EY9.1%
EPS(NY)13.89
Fwd EY11%
FCF(TTM)8.99
FCFY7.11%
OCF(TTM)12.14
OCFY9.61%
SpS46.96
BVpS91.73
TBVpS78.31
PEG (NY)0.33
PEG (5Y)1.97
Graham Number154
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 12.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.77% | ||
| GM | N/A | ||
| FCFM | 19.13% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.18 | ||
| Debt/FCF | 1.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 409.91% | ||
| Cap/Sales | 6.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 77.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC19.15%
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)35.98%
EPS 3Y-7.68%
EPS 5Y5.57%
EPS Q2Q%45.37%
EPS Next Y33.33%
EPS Next 2Y24.17%
EPS Next 3Y19.87%
EPS Next 5YN/A
Revenue 1Y (TTM)8.38%
Revenue growth 3Y4.2%
Revenue growth 5Y3.62%
Sales Q2Q%12.93%
Revenue Next Year13.8%
Revenue Next 2Y15.29%
Revenue Next 3Y13.2%
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 1Y18.72%
FCF growth 3Y-20.88%
FCF growth 5Y-5.72%
OCF growth 1Y20.08%
OCF growth 3Y-12.44%
OCF growth 5Y-0.89%
POPULAR INC / BPOP FAQ
What is the ChartMill fundamental rating of POPULAR INC (BPOP) stock?
ChartMill assigns a fundamental rating of 5 / 10 to BPOP.
What is the valuation status of POPULAR INC (BPOP) stock?
ChartMill assigns a valuation rating of 6 / 10 to POPULAR INC (BPOP). This can be considered as Fairly Valued.
How profitable is POPULAR INC (BPOP) stock?
POPULAR INC (BPOP) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for BPOP stock?
The Price/Earnings (PE) ratio for POPULAR INC (BPOP) is 10.99 and the Price/Book (PB) ratio is 1.38.
Can you provide the expected EPS growth for BPOP stock?
The Earnings per Share (EPS) of POPULAR INC (BPOP) is expected to grow by 33.33% in the next year.