Popular, Inc. (BPOP)
POSITIVEFundamental
78
Price
$168.75
Market Cap
$10.75B
Part 1 · What the company is worth
Overview
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking services for individuals and businesses in Puerto Rico, the United States, the British Virgin Islands, the Caribbean, and Latin America. The company offers savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; checking accounts; individual retirement accounts and educational contribution accounts; business accounts; investment accounts; private management accounts; and certificates of deposit. It also provides commercial and industrial, commercial real estate, commercial multi-family, and residential mortgage loans; consumer loans, including unsecured personal loans, home equity lines of credit, and other loans to individual borrowers; construction loans; lease financing comprising automobile loans and leases; renewable energy and marine loans; and startup program and healthcare hub financing. In addition, the company offers auto and equipment leasing and financing; broker-dealer; international and private banking; insurance services, such as travel, property, auto and boat, health, life, and title; debit and credit cards; family of funds and Keogh plans; mobile easy deposit, foreign exchange, and fiduciary services; retirement plans; wire transfers; coordination of auto, aircraft, and helicopter loans; financial planning; investment advice; ATM; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$3.35B
Trailing 12 months (through 6/30/2026)
Net Income
$969M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$681M
Total Equity
$6.25B
Total Liabilities
$69.10B
Current Ratio
-
Interest Coverage
0.97
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$198.61
Current Price
$168.75
Margin of Safety
+15.0%
Fair Value Range
$129.24 - $267.98
Estimation Methods
Valuation Metrics
P/E Ratio
11.40
ROE
13.3%
P/B Ratio
1.67
P/FCF
13.31
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.9%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (18)
- EPS shows upward trend
- Price CAGR 14.46%
- P/FCF 13.31
- P/B Ratio 1.67
- Operating Margin 34.1%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 15.4%
- Revenue Growth 5Y 7.4%
- Analyst Consensus 94% Buy
- Earnings Surprise avg 11.0%
- PEG Ratio 0.73
- Earnings Quality (OCF/NI) 1.03
- Share Dilution -5.6%
- Net Margin Trend 28.9% vs 23.6%
- Piotroski F-Score 7/9
Failed (4)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Javier D. Ferrer-Fernández J.D. | President, CEO, Corporate Secretary & Director | 64 |
| Mr. Jorge Jose García | Executive VP, CFO & Corporate Finance Group | 52 |
| Ms. Camille Burckhart | EVP and Chief Information & Digital Strategy Officer of Digital, Innovation & Technology Group | 45 |
| Mr. Manuel A. Chinea | Executive VP and Chief Experience & Administration Services Officer | 59 |
| Mr. Lidio V. Soriano CPA | Executive VP & Chief Risk Officer of Corporate Risk Management Group | 56 |
| Ms. Denissa M. Rodriguez Adorno | Senior VP, Corporate Comptroller & Chief Accounting Officer | - |
| Mr. Paul J. Cardillo | Senior VP & Investor Relations Officer | - |
| Mr. Jose R. Coleman-Tio Esq. | Executive VP, Chief Legal Officer, Corporate Secretary & General Counsel of Corporate Matters Group | 44 |
| Ms. Maria Cristina Gonzalez Noguera | Executive VP and Chief Communications & Public Affairs Officer | 50 |
| Mr. Eli S. Sepulveda | Executive Vice President of Commercial Credit & Services Group of Banco Popular de Puerto Rico | 62 |
Audit Risk
1
Board Risk
3
Compensation Risk
2
Shareholder Rights Risk
1
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for BPOP, sourced from Markets Gazette.