POPULAR INC (BPOP)
PR7331747001 - Common Stock
Taking everything into account, BPOP scores 4 out of 10 in our fundamental rating. BPOP was compared to 406 industry peers in the Banks industry. Both the profitability and financial health of BPOP have multiple concerns. BPOP has a decent growth rate and is not valued too expensively.
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.
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 has a Return On Assets (0.74%) which is in line with its industry peers.
The Return On Equity of BPOP (9.15%) is better than 60.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 9.15% | ||
| ROIC | N/A |
ROA(3y)1.21%
ROA(5y)1.14%
ROE(3y)17.68%
ROE(5y)14.5%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 18.33%, BPOP is doing worse than 64.60% of the companies in the same 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) | 18.33% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.08%
PM growth 5Y-5.49%
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.
BPOP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BPOP has been reduced compared to 5 years ago.
Compared to 1 year ago, BPOP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BPOP is 1.46, which is an excellent value as it means it would take BPOP, only 1.46 years of fcf income to pay off all of its debts.
BPOP's Debt to FCF ratio of 1.46 is fine compared to the rest of the industry. BPOP outperforms 69.31% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BPOP is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, BPOP is doing good in the industry, outperforming 69.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BPOP have decreased strongly by -13.60% in the last year.
Measured over the past years, BPOP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.22% on average per year.
Looking at the last year, BPOP shows a small growth in Revenue. The Revenue has grown by 3.26% in the last year.
The Revenue has been growing slightly by 3.11% on average over the past years.
EPS 1Y (TTM)-13.6%
EPS 3Y11.09%
EPS 5Y11.22%
EPS Q2Q%13.68%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y5.51%
Revenue growth 5Y3.11%
Sales Q2Q%7.2%
3.2 Future
BPOP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.79% yearly.
The Revenue is expected to grow by 7.73% on average over the next years.
EPS Next Y1.98%
EPS Next 2Y11.64%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue Next Year6.19%
Revenue Next 2Y7.28%
Revenue Next 3Y7.73%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.85 indicates a reasonable valuation of BPOP.
Based on the Price/Earnings ratio, BPOP is valued a bit cheaper than 77.23% of the companies in the same industry.
BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.
BPOP is valuated reasonably with a Price/Forward Earnings ratio of 9.00.
Based on the Price/Forward Earnings ratio, BPOP is valued cheaply inside the industry as 83.66% of the companies are valued more expensively.
BPOP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9 |
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 | 14.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BPOP does not grow enough to justify the current Price/Earnings ratio.
BPOP's earnings are expected to grow with 14.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.47
PEG (5Y)0.97
EPS Next 2Y11.64%
EPS Next 3Y14.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.90%, BPOP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.02, BPOP has a dividend in line with its industry peers.
BPOP's Dividend Yield is a higher than the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
5.2 History
The dividend of BPOP is nicely growing with an annual growth rate of 16.27%!
BPOP has paid a dividend for at least 10 years, which is a reliable track record.
BPOP has decreased its dividend recently.
Dividend Growth(5Y)16.27%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
33.17% of the earnings are spent on dividend by BPOP. This is a low number and sustainable payout ratio.
BPOP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y11.64%
EPS Next 3Y14.79%
POPULAR INC
NASDAQ:BPOP (12/20/2024, 8:00:01 PM)
After market: 91.66 0 (0%)91.66
+1.08 (+1.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.24%
Inst Owner Change0.17%
Ins Owners2.18%
Ins Owner Change-0.69%
Market Cap6.54B
Analysts78.67
Price Target106.19 (15.85%)
Short Float %1.54%
Short Ratio1.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
Dividend Growth(5Y)16.27%
DP33.17%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-8.76%
PT rev (3m)-9.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-15.62%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9 | ||
| P/S | 2.26 | ||
| P/FCF | 14.17 | ||
| P/OCF | 9.49 | ||
| P/B | 1.13 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.45
EY9.22%
EPS(NY)10.18
Fwd EY11.11%
FCF(TTM)6.47
FCFY7.06%
OCF(TTM)9.66
OCFY10.54%
SpS40.51
BVpS81.2
TBVpS68.29
PEG (NY)5.47
PEG (5Y)0.97
Profitability
| Industry Rank | Sector 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)1.21%
ROA(5y)1.14%
ROE(3y)17.68%
ROE(5y)14.5%
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-3.08%
PM growth 5Y-5.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC19.6%
ROIC/WACCN/A
Cap/Depr(3y)209.93%
Cap/Depr(5y)169.99%
Cap/Sales(3y)4.57%
Cap/Sales(5y)3.95%
Profit Quality(3y)90.37%
Profit Quality(5y)97.29%
High Growth Momentum
Growth
EPS 1Y (TTM)-13.6%
EPS 3Y11.09%
EPS 5Y11.22%
EPS Q2Q%13.68%
EPS Next Y1.98%
EPS Next 2Y11.64%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue 1Y (TTM)3.26%
Revenue growth 3Y5.51%
Revenue growth 5Y3.11%
Sales Q2Q%7.2%
Revenue Next Year6.19%
Revenue Next 2Y7.28%
Revenue Next 3Y7.73%
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-55.25%
FCF growth 3Y-8.2%
FCF growth 5Y-9%
OCF growth 1Y-38.53%
OCF growth 3Y0.38%
OCF growth 5Y-4.12%