POPULAR INC (BPOP)
PR7331747001 - Common Stock
Taking everything into account, BPOP scores 4 out of 10 in our fundamental rating. BPOP was compared to 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.
1. Profitability
1.1 Basic Checks
In the past year BPOP was profitable.
In the past year BPOP had a positive cash flow from operations.
In the past 5 years BPOP has always been profitable.
In the past 5 years BPOP always reported a positive cash flow from operatings.
1.2 Ratios
BPOP's Return On Assets of 0.70% is in line compared to the rest of the industry. BPOP outperforms 41.79% of its industry peers.
BPOP has a Return On Equity of 9.51%. This is in the better half of the industry: BPOP outperforms 60.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 9.51% | ||
| 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
BPOP has a Profit Margin of 17.95%. This is in the lower half of the industry: BPOP underperforms 69.15% of its industry peers.
In the last couple of years the Profit Margin of BPOP has declined.
BPOP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.95% | ||
| 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.
The debt/assets ratio for BPOP has been reduced compared to a year ago.
2.2 Solvency
BPOP has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as BPOP would need 2.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.01, BPOP is in the better half of the industry, outperforming 61.19% of the companies in the same industry.
BPOP has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.13, BPOP is doing good in the industry, outperforming 67.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BPOP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.69%.
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 decrease in Revenue. The Revenue has decreased by -8.50% in the last year.
The Revenue has been growing slightly by 3.11% on average over the past years.
EPS 1Y (TTM)-39.69%
EPS 3Y11.09%
EPS 5Y11.22%
EPS Q2Q%17.14%
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.51%
Revenue growth 5Y3.11%
Sales Q2Q%6.89%
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 19.22% on average per year.
BPOP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.47% yearly.
EPS Next Y6.71%
EPS Next 2Y16.36%
EPS Next 3Y19.22%
EPS Next 5YN/A
Revenue Next Year8.5%
Revenue Next 2Y10.17%
Revenue Next 3Y11.47%
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.
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
The Price/Earnings ratio is 11.82, which indicates a very decent valuation of BPOP.
Compared to the rest of the industry, the Price/Earnings ratio of BPOP is on the same level as its industry peers.
BPOP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
The Price/Forward Earnings ratio is 8.75, which indicates a very decent valuation of BPOP.
Based on the Price/Forward Earnings ratio, BPOP is valued cheaper than 80.35% of the companies in the same industry.
BPOP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
BPOP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BPOP is more expensive than 74.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as BPOP's earnings are expected to grow with 19.22% in the coming years.
PEG (NY)1.76
PEG (5Y)1.05
EPS Next 2Y16.36%
EPS Next 3Y19.22%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.51%, BPOP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.35, BPOP is paying slightly less dividend.
BPOP's Dividend Yield is comparable with the S&P500 average which is at 2.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
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.
Dividend Growth(5Y)16.27%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BPOP pays out 33.32% of its income as dividend. This is a sustainable payout ratio.
BPOP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP33.32%
EPS Next 2Y16.36%
EPS Next 3Y19.22%
POPULAR INC
NASDAQ:BPOP (9/6/2024, 8:02:53 PM)
After market: 96.78 0 (0%)96.78
-1.86 (-1.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap7.00B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
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EPS NY rev (3m)
Revenue NQ rev (1m)
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Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 8.75 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.76
PEG (5Y)1.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 9.51% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 17.95% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-39.69%
EPS 3Y11.09%
EPS 5Y
EPS Q2Q%
EPS Next Y6.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.51%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
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FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y