Popular, Inc. (BPOP) 10-Year Financial Performance & Capital Metrics

BPOP • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutPopular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands. The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also offers commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. As of December 31, 2021, it operated 169 branches; and 616 ATMs in Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs in the United States Mainland. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.Show more

Net Interest Income $2.28B +7.1%
Total Revenue $4.19B +11.5%
Net Income $614M +13.5%
Return on Equity 11.42% -2.6%
Net Interest Margin 3.12% +3.7%
Efficiency Ratio 41.65% -11.1%
ROA 0.85% +9.2%
Equity / Assets 7.68% +5.6%
Book Value per Share 78.37 +9.3%
Tangible BV/Share 65.55 +11.7%
Debt/Equity 0.23 -3.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 41.7% efficiency ratio
✓11 consecutive years of dividend growth
✓Good 3Y average ROE of 15.0%
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.68%

5Y8.45%

3Y16.59%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-1.76%

3Y-13.07%

TTM40.76%

EPS CAGR

10Y-

5Y4.47%

3Y-9.27%

TTM45.35%

ROCE

10Y Avg10.06%

5Y Avg13.31%

3Y Avg14.1%

Latest11.85%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.6B	32.14	20.60	18.79%	30.24%	14.14%	6.36%	0.12
FHNFirst Horizon Corporation	11.84B	24.05	17.68	4.71%	15.7%	9.58%	10.34%	0.50
AUBAtlantic Union Bankshares Corporation	5.32B	37.30	16.65	28.8%	15.53%	4.22%	5.66%	0.17
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
UCBUnited Community Banks, Inc.	4.03B	33.39	16.37	14.65%	17.05%	8.83%	7.52%	0.13
PNFPPinnacle Financial Partners, Inc.	14.43B	96.05	16.12	15.32%	16.65%	9.1%	5.59%	0.39
CADECadence Bank	8.13B	43.64	15.75	32.37%	18.03%	9.08%	9.55%	0.01
CFRCullen/Frost Bankers, Inc.	8.77B	137.11	15.46	7.69%	20.44%	14.28%	9.83%	1.18

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	1.41B	1.42B	1.5B	1.73B	1.89B	1.86B	1.96B	2.17B	2.13B	2.28B
NII Growth %	0.49%	0.01%	0.06%	0.16%	0.09%	-0.02%	0.05%	0.11%	-0.02%	0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1.6B	1.63B	1.73B	2.02B	2.26B	2.09B	2.12B	2.47B	3.25B	3.67B
Interest Expense	194.03M	212.52M	223.98M	286.97M	369.1M	234.94M	165.05M	298.55M	1.11B	1.39B
Loan Loss Provision	241.48M	170.02M	325.42M	228.07M	165.78M	292.54M	-193.46M	83.03M	208.61M	256.94M
Non-Interest Income+	519.54M	277.14M	392.97M	624.51M	531.82M	400.27M	520.76M	769.92M	512.65M	516.23M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	2.12B	1.91B	2.12B	2.65B	2.79B	2.49B	2.64B	3.24B	3.76B	4.19B
Revenue Growth %	0.06%	-0.1%	0.11%	0.25%	0.06%	-0.11%	0.06%	0.22%	0.16%	0.11%
Non-Interest Expense	1.29B	1.23B	1.23B	1.39B	1.44B	1.35B	1.43B	1.62B	1.76B	1.74B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	398.82M	294.34M	338.51M	737.74M	818.32M	618.56M	1.24B	1.23B	675.54M	796.62M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	4.02%	-0.26%	0.15%	1.18%	0.11%	-0.24%	1.01%	-0.01%	-0.45%	0.18%
Pretax Income+	398.82M	294.34M	338.51M	737.74M	818.32M	618.56M	1.24B	1.23B	675.54M	796.62M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-495.17M	78.78M	230.83M	119.58M	147.18M	111.94M	309.02M	132.33M	134.2M	182.41M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	895.34M	216.69M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	3.86%	-0.76%	-0.5%	4.74%	0.09%	-0.25%	0.85%	0.18%	-0.51%	0.13%
Net Income (Continuing)	894M	215.56M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
EPS (Diluted)+	8.65	2.06	1.02	6.06	6.88	5.87	11.46	14.63	7.52	8.56
EPS Growth %	3.84%	-0.76%	-0.5%	4.94%	0.14%	-0.15%	0.95%	0.28%	-0.49%	0.14%
EPS (Basic)	8.66	2.06	1.02	6.07	6.89	5.88	11.49	14.65	7.53	8.56
Diluted Shares Outstanding	103.12M	103.38M	102.05M	101.31M	97M	85.97M	81.42M	75.27M	71.79M	71.62M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	2.45B	3.23B	5.66B	4.57B	3.65B	12.13B	17.97B	6.08B	7.42B	6.8B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	27.79B	30.41B	33.8B	38.57B	43.9B	49.37B	52.7B	57.96B	59.61B	62.79B
Investments Growth %	0.08%	0.09%	0.11%	0.14%	0.14%	0.12%	0.07%	0.1%	0.03%	0.05%
Long-Term Investments	22.47B	22.69B	24.01B	25.55B	26.45B	27.93B	27.83B	40.28B	42.96B	44.58B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	588K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	626.39M	627.29M	627.29M	671.12M	671.12M	671.12M	720.29M	827.43M	804.43M	802.95M
Intangible Assets	269.51M	241.94M	203.7M	196.61M	179.69M	140.86M	137.03M	141.29M	127.87M	114.93M
PP&E (Net)	502.61M	543.98M	547.14M	569.81M	719.39M	657.63M	649.45M	643.17M	702.48M	714.35M
Other Assets	1.55B	995.27M	783.68M	572.9M	477.29M	357.25M	379.59M	430.81M	442.02M	449.02M
Total Current Assets	9.04B	12.39B	17.1B	19.03B	22.73B	35.31B	44.73B	24.36B	24.72B	25.46B
Total Non-Current Assets	26.57B	26.27B	27.18B	28.58B	29.39B	30.61B	30.37B	43.28B	46.04B	47.59B
Total Assets+	35.76B	38.66B	44.28B	47.6B	52.12B	65.93B	75.1B	67.64B	70.76B	73.05B
Asset Growth %	0.08%	0.08%	0.15%	0.08%	0.09%	0.27%	0.14%	-0.1%	0.05%	0.03%
Return on Assets (ROA)	0.03%	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%
Accounts Payable	0	0	0	111.08M	113.8M	828.62M	138.82M	125.2M	148.47M	647.08M
Total Debt+	2.43B	2.06B	2.02B	1.67B	1.58B	1.58B	1.34B	1.58B	1.24B	1.31B
Net Debt	-21.57M	-1.17B	-3.63B	-2.89B	-2.07B	-10.55B	-16.62B	-4.51B	-6.18B	-5.49B
Long-Term Debt	1.66B	1.57B	1.52B	1.24B	1.1B	1.22B	988.56M	886.71M	986.95M	896.29M
Short-Term Debt	763.35M	480.63M	487.13M	415.83M	296.04M	178.49M	179.41M	527.88M	102.34M	288.94M
Other Liabilities	1.02B	911.95M	1.7B	375.25M	341.33M	354.57M	298.26M	238.63M	220.03M	205.63M
Total Current Liabilities	27.97B	30.98B	35.94B	40.51B	44.44B	58.11B	67.63B	62.22B	64.21B	66.15B
Total Non-Current Liabilities	2.68B	2.49B	3.23B	1.63B	1.63B	1.75B	1.46B	1.29B	1.36B	1.23B
Total Liabilities	30.66B	33.46B	39.17B	42.17B	46.1B	59.9B	69.13B	63.54B	65.61B	67.43B
Total Equity+	5.11B	5.2B	5.1B	5.44B	6.02B	6.03B	5.97B	4.09B	5.15B	5.61B
Equity Growth %	0.2%	0.02%	-0.02%	0.06%	0.11%	0%	-0.01%	-0.31%	0.26%	0.09%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.19%	0.04%	0.02%	0.12%	0.12%	0.08%	0.16%	0.22%	0.12%	0.11%
Book Value per Share	49.51	50.28	50.02	53.65	62.03	70.12	73.32	54.38	71.69	78.37
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.04M	1.04M	1.04M	1.04M	1.04M	1.04M	1.05M	1.05M	1.05M	1.05M
Additional Paid-in Capital	4.23B	4.26B	4.3B	4.37B	4.45B	4.57B	4.65B	0	0	0
Retained Earnings	1.09B	1.22B	1.19B	1.65B	2.15B	2.26B	2.97B	3.83B	4.19B	4.57B
Accumulated OCI	-256.89M	-320.29M	-350.65M	-427.97M	-169.94M	189.99M	-325.07M	2.27B	2.95B	3.25B
Treasury Stock	-6.1M	-8.29M	-90.14M	-205.51M	-459.81M	-1.02B	-1.35B	-2.03B	-2.02B	-2.23B
Preferred Stock	50.16M	50.16M	50.16M	50.16M	50.16M	22.14M	22.14M	22.14M	22.14M	22.14M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	670.13M	596.57M	636.48M	847.5M	705.37M	678.77M	1.01B	1.01B	686.61M	674.72M
Operating CF Growth %	-0.23%	-0.11%	0.07%	0.33%	-0.17%	-0.04%	0.48%	0.01%	-0.32%	-0.02%
Net Income	895.34M	216.69M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
Depreciation & Amortization	58.49M	59.02M	57.74M	62.63M	67.44M	64.85M	64.24M	58.38M	61.69M	60.02M
Deferred Taxes	-519.13M	61.57M	207.43M	-12.32M	141.33M	75.04M	229.37M	-33.13M	-43.14M	23.71M
Other Non-Cash Items	-884.58M	-373.98M	-114.29M	-371.44M	-477.61M	-434.2M	-1.02B	-479.54M	92.33M	-51.49M
Working Capital Changes	1.12B	633.27M	377.92M	539.96M	290.77M	458.2M	783.65M	349.46M	17.62M	8.6M
Cash from Investing+	238.34M	-3.45B	-5.35B	-4.39B	-4.17B	-13.07B	-10.52B	5.35B	-2.61B	-1.63B
Purchase of Investments	-2.41B	-4.14B	-6.54B	-10.06B	-18.75B	-29.44B	-20.59B	-24.16B	-18.12B	-34.37B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	714.03M	0	0	-1.84B	0	0	-155.83M	219.88M	0	0
Other Investing	461.64M	-470.51M	-835.18M	-468.86M	-1.03B	-1.83B	431.79M	-2.73B	-2.99B	-2.14B
Cash from Financing+	-925.89M	2.85B	4.75B	3.53B	3.46B	12.49B	9.45B	-6.32B	1.88B	959.58M
Dividends Paid	-19.26M	-65.93M	-95.91M	-105.44M	-115.81M	-133.65M	-141.47M	-161.52M	-159.86M	-180.46M
Share Repurchases	-1.02M	-563K	-75.66M	-125.26M	-250.58M	-528.5M	-350.54M	-631.89M	-461K	-213.92M
Stock Issued	6.23M	7.44M	7.02M	7.27M	8.72M	9.09M	4.67M	5.84M	6.31M	6.86M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K
Other Financing	-303.14M	3B	4.86B	4.15B	3.95B	13.03B	10.1B	-5.72B	2.3B	1.22B
Net Change in Cash+	-17.42M	-4.69M	38.43M	-9.38M	-8.93M	102.77M	-62.58M	41.65M	-48.58M	1.83M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	381.1M	378.89M	374.2M	412.63M	403.25M	394.32M	497.09M	434.51M	476.16M	427.57M
Cash at End	363.67M	374.2M	412.63M	403.25M	394.32M	497.09M	434.51M	476.16M	427.57M	429.41M
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	543.73M	496.25M	573.79M	766.95M	619.32M	618.62M	931.47M	910.75M	478.57M	461.31M
FCF Growth %	-0.34%	-0.09%	0.16%	0.34%	-0.19%	-0%	0.51%	-0.02%	-0.47%	-0.04%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	19.11%	4.21%	2.09%	11.73%	11.72%	8.41%	15.58%	21.92%	11.72%	11.42%
Return on Assets (ROA)	2.6%	0.58%	0.26%	1.35%	1.35%	0.86%	1.33%	1.54%	0.78%	0.85%
Net Interest Margin	3.94%	3.68%	3.39%	3.64%	3.63%	2.82%	2.61%	3.2%	3.01%	3.12%
Efficiency Ratio	60.69%	64.59%	58.1%	52.66%	51.54%	54.01%	54.02%	50.04%	46.83%	41.65%
Equity / Assets	14.28%	13.44%	11.53%	11.42%	11.55%	9.14%	7.95%	6.05%	7.27%	7.68%
Book Value / Share	49.51	50.28	50.02	53.65	62.03	70.12	73.32	54.38	71.69	78.37
NII Growth	49.09%	0.93%	5.62%	15.51%	9.04%	-1.85%	5.44%	10.72%	-1.65%	7.07%
Dividend Payout	2.15%	30.43%	89.07%	17.06%	17.26%	26.38%	15.13%	14.65%	29.53%	29.38%

Revenue by Segment

	2011	2016	2017	2018	2019	2020	2021	2022	2023	2024
Other Services	-	-	-	-	-	257.89M	311.25M	334.01M	374.44M	389.23M
Other Services Growth	-	-	-	-	-	-	20.69%	7.31%	12.10%	3.95%
Service Charges On Deposit Accounts	-	-	-	150.68M	-	147.82M	162.7M	157.21M	147.48M	151.34M
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	10.06%	-3.37%	-6.19%	2.62%
Banco Popular De Puerto Rico	-	-	-	-	1.63B	-	-	-	-	-
Banco Popular De Puerto Rico Growth	-	-	-	-	-	-	-	-	-	-
Popular Bank	-	-	-	-	295.47M	-	-	-	-	-
Popular Bank Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2011	2016	2017	2018	2019	2020	2021	2022	2023	2024
PUERTO RICO	1.55B	1.36B	1.53B	1.95B	2.02B	1.92B	2.14B	2.51B	2.18B	2.33B
PUERTO RICO Growth	-	-12.24%	12.20%	27.88%	3.19%	-4.71%	11.21%	17.30%	-13.17%	7.30%
UNITED STATES	347.46M	283.35M	318.09M	357.68M	371.37M	376.53M	390.2M	480.55M	518.8M	520.53M
UNITED STATES Growth	-	-18.45%	12.26%	12.45%	3.83%	1.39%	3.63%	23.15%	7.96%	0.33%
Other Countries	-	74.98M	75.28M	76.02M	74.12M	71.19M	73.04M	77.89M	87.5M	85.94M
Other Countries Growth	-	-	0.40%	0.98%	-2.50%	-3.95%	2.59%	6.64%	12.35%	-1.79%

Frequently Asked Questions

Valuation & Price

Popular, Inc. (BPOP) has a price-to-earnings (P/E) ratio of 14.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Popular, Inc. (BPOP) grew revenue by 11.5% over the past year. This is steady growth.

Yes, Popular, Inc. (BPOP) is profitable, generating $721.1M in net income for fiscal year 2024 (14.7% net margin).

Dividend & Returns

Yes, Popular, Inc. (BPOP) pays a dividend with a yield of 2.00%. This makes it attractive for income-focused investors.

Popular, Inc. (BPOP) has a return on equity (ROE) of 11.4%. This is reasonable for most industries.

Industry Metrics

Popular, Inc. (BPOP) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Popular, Inc. (BPOP) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.

US Stock Screener

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Popular, Inc. (BPOP) 10-Year Financial Performance & Capital Metrics

BPOP • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $2.28B +7.1%
Total Revenue $4.19B +11.5%
Net Income $614M +13.5%
Return on Equity 11.42% -2.6%
Net Interest Margin 3.12% +3.7%
Efficiency Ratio 41.65% -11.1%
ROA 0.85% +9.2%
Equity / Assets 7.68% +5.6%
Book Value per Share 78.37 +9.3%
Tangible BV/Share 65.55 +11.7%
Debt/Equity 0.23 -3.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 41.7% efficiency ratio
✓11 consecutive years of dividend growth
✓Good 3Y average ROE of 15.0%
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y7.68%

5Y8.45%

3Y16.59%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-1.76%

3Y-13.07%

TTM40.76%

EPS CAGR

10Y-

5Y4.47%

3Y-9.27%

TTM45.35%

ROCE

10Y Avg10.06%

5Y Avg13.31%

3Y Avg14.1%

Latest11.85%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.6B	32.14	20.60	18.79%	30.24%	14.14%	6.36%	0.12
FHNFirst Horizon Corporation	11.84B	24.05	17.68	4.71%	15.7%	9.58%	10.34%	0.50
AUBAtlantic Union Bankshares Corporation	5.32B	37.30	16.65	28.8%	15.53%	4.22%	5.66%	0.17
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
UCBUnited Community Banks, Inc.	4.03B	33.39	16.37	14.65%	17.05%	8.83%	7.52%	0.13
PNFPPinnacle Financial Partners, Inc.	14.43B	96.05	16.12	15.32%	16.65%	9.1%	5.59%	0.39
CADECadence Bank	8.13B	43.64	15.75	32.37%	18.03%	9.08%	9.55%	0.01
CFRCullen/Frost Bankers, Inc.	8.77B	137.11	15.46	7.69%	20.44%	14.28%	9.83%	1.18

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	1.41B	1.42B	1.5B	1.73B	1.89B	1.86B	1.96B	2.17B	2.13B	2.28B
NII Growth %	0.49%	0.01%	0.06%	0.16%	0.09%	-0.02%	0.05%	0.11%	-0.02%	0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1.6B	1.63B	1.73B	2.02B	2.26B	2.09B	2.12B	2.47B	3.25B	3.67B
Interest Expense	194.03M	212.52M	223.98M	286.97M	369.1M	234.94M	165.05M	298.55M	1.11B	1.39B
Loan Loss Provision	241.48M	170.02M	325.42M	228.07M	165.78M	292.54M	-193.46M	83.03M	208.61M	256.94M
Non-Interest Income+	519.54M	277.14M	392.97M	624.51M	531.82M	400.27M	520.76M	769.92M	512.65M	516.23M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	2.12B	1.91B	2.12B	2.65B	2.79B	2.49B	2.64B	3.24B	3.76B	4.19B
Revenue Growth %	0.06%	-0.1%	0.11%	0.25%	0.06%	-0.11%	0.06%	0.22%	0.16%	0.11%
Non-Interest Expense	1.29B	1.23B	1.23B	1.39B	1.44B	1.35B	1.43B	1.62B	1.76B	1.74B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	398.82M	294.34M	338.51M	737.74M	818.32M	618.56M	1.24B	1.23B	675.54M	796.62M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	4.02%	-0.26%	0.15%	1.18%	0.11%	-0.24%	1.01%	-0.01%	-0.45%	0.18%
Pretax Income+	398.82M	294.34M	338.51M	737.74M	818.32M	618.56M	1.24B	1.23B	675.54M	796.62M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-495.17M	78.78M	230.83M	119.58M	147.18M	111.94M	309.02M	132.33M	134.2M	182.41M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	895.34M	216.69M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	3.86%	-0.76%	-0.5%	4.74%	0.09%	-0.25%	0.85%	0.18%	-0.51%	0.13%
Net Income (Continuing)	894M	215.56M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
EPS (Diluted)+	8.65	2.06	1.02	6.06	6.88	5.87	11.46	14.63	7.52	8.56
EPS Growth %	3.84%	-0.76%	-0.5%	4.94%	0.14%	-0.15%	0.95%	0.28%	-0.49%	0.14%
EPS (Basic)	8.66	2.06	1.02	6.07	6.89	5.88	11.49	14.65	7.53	8.56
Diluted Shares Outstanding	103.12M	103.38M	102.05M	101.31M	97M	85.97M	81.42M	75.27M	71.79M	71.62M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	2.45B	3.23B	5.66B	4.57B	3.65B	12.13B	17.97B	6.08B	7.42B	6.8B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	27.79B	30.41B	33.8B	38.57B	43.9B	49.37B	52.7B	57.96B	59.61B	62.79B
Investments Growth %	0.08%	0.09%	0.11%	0.14%	0.14%	0.12%	0.07%	0.1%	0.03%	0.05%
Long-Term Investments	22.47B	22.69B	24.01B	25.55B	26.45B	27.93B	27.83B	40.28B	42.96B	44.58B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	588K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	626.39M	627.29M	627.29M	671.12M	671.12M	671.12M	720.29M	827.43M	804.43M	802.95M
Intangible Assets	269.51M	241.94M	203.7M	196.61M	179.69M	140.86M	137.03M	141.29M	127.87M	114.93M
PP&E (Net)	502.61M	543.98M	547.14M	569.81M	719.39M	657.63M	649.45M	643.17M	702.48M	714.35M
Other Assets	1.55B	995.27M	783.68M	572.9M	477.29M	357.25M	379.59M	430.81M	442.02M	449.02M
Total Current Assets	9.04B	12.39B	17.1B	19.03B	22.73B	35.31B	44.73B	24.36B	24.72B	25.46B
Total Non-Current Assets	26.57B	26.27B	27.18B	28.58B	29.39B	30.61B	30.37B	43.28B	46.04B	47.59B
Total Assets+	35.76B	38.66B	44.28B	47.6B	52.12B	65.93B	75.1B	67.64B	70.76B	73.05B
Asset Growth %	0.08%	0.08%	0.15%	0.08%	0.09%	0.27%	0.14%	-0.1%	0.05%	0.03%
Return on Assets (ROA)	0.03%	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%
Accounts Payable	0	0	0	111.08M	113.8M	828.62M	138.82M	125.2M	148.47M	647.08M
Total Debt+	2.43B	2.06B	2.02B	1.67B	1.58B	1.58B	1.34B	1.58B	1.24B	1.31B
Net Debt	-21.57M	-1.17B	-3.63B	-2.89B	-2.07B	-10.55B	-16.62B	-4.51B	-6.18B	-5.49B
Long-Term Debt	1.66B	1.57B	1.52B	1.24B	1.1B	1.22B	988.56M	886.71M	986.95M	896.29M
Short-Term Debt	763.35M	480.63M	487.13M	415.83M	296.04M	178.49M	179.41M	527.88M	102.34M	288.94M
Other Liabilities	1.02B	911.95M	1.7B	375.25M	341.33M	354.57M	298.26M	238.63M	220.03M	205.63M
Total Current Liabilities	27.97B	30.98B	35.94B	40.51B	44.44B	58.11B	67.63B	62.22B	64.21B	66.15B
Total Non-Current Liabilities	2.68B	2.49B	3.23B	1.63B	1.63B	1.75B	1.46B	1.29B	1.36B	1.23B
Total Liabilities	30.66B	33.46B	39.17B	42.17B	46.1B	59.9B	69.13B	63.54B	65.61B	67.43B
Total Equity+	5.11B	5.2B	5.1B	5.44B	6.02B	6.03B	5.97B	4.09B	5.15B	5.61B
Equity Growth %	0.2%	0.02%	-0.02%	0.06%	0.11%	0%	-0.01%	-0.31%	0.26%	0.09%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.19%	0.04%	0.02%	0.12%	0.12%	0.08%	0.16%	0.22%	0.12%	0.11%
Book Value per Share	49.51	50.28	50.02	53.65	62.03	70.12	73.32	54.38	71.69	78.37
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.04M	1.04M	1.04M	1.04M	1.04M	1.04M	1.05M	1.05M	1.05M	1.05M
Additional Paid-in Capital	4.23B	4.26B	4.3B	4.37B	4.45B	4.57B	4.65B	0	0	0
Retained Earnings	1.09B	1.22B	1.19B	1.65B	2.15B	2.26B	2.97B	3.83B	4.19B	4.57B
Accumulated OCI	-256.89M	-320.29M	-350.65M	-427.97M	-169.94M	189.99M	-325.07M	2.27B	2.95B	3.25B
Treasury Stock	-6.1M	-8.29M	-90.14M	-205.51M	-459.81M	-1.02B	-1.35B	-2.03B	-2.02B	-2.23B
Preferred Stock	50.16M	50.16M	50.16M	50.16M	50.16M	22.14M	22.14M	22.14M	22.14M	22.14M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	670.13M	596.57M	636.48M	847.5M	705.37M	678.77M	1.01B	1.01B	686.61M	674.72M
Operating CF Growth %	-0.23%	-0.11%	0.07%	0.33%	-0.17%	-0.04%	0.48%	0.01%	-0.32%	-0.02%
Net Income	895.34M	216.69M	107.68M	618.16M	671.13M	506.62M	934.89M	1.1B	541.34M	614.21M
Depreciation & Amortization	58.49M	59.02M	57.74M	62.63M	67.44M	64.85M	64.24M	58.38M	61.69M	60.02M
Deferred Taxes	-519.13M	61.57M	207.43M	-12.32M	141.33M	75.04M	229.37M	-33.13M	-43.14M	23.71M
Other Non-Cash Items	-884.58M	-373.98M	-114.29M	-371.44M	-477.61M	-434.2M	-1.02B	-479.54M	92.33M	-51.49M
Working Capital Changes	1.12B	633.27M	377.92M	539.96M	290.77M	458.2M	783.65M	349.46M	17.62M	8.6M
Cash from Investing+	238.34M	-3.45B	-5.35B	-4.39B	-4.17B	-13.07B	-10.52B	5.35B	-2.61B	-1.63B
Purchase of Investments	-2.41B	-4.14B	-6.54B	-10.06B	-18.75B	-29.44B	-20.59B	-24.16B	-18.12B	-34.37B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	714.03M	0	0	-1.84B	0	0	-155.83M	219.88M	0	0
Other Investing	461.64M	-470.51M	-835.18M	-468.86M	-1.03B	-1.83B	431.79M	-2.73B	-2.99B	-2.14B
Cash from Financing+	-925.89M	2.85B	4.75B	3.53B	3.46B	12.49B	9.45B	-6.32B	1.88B	959.58M
Dividends Paid	-19.26M	-65.93M	-95.91M	-105.44M	-115.81M	-133.65M	-141.47M	-161.52M	-159.86M	-180.46M
Share Repurchases	-1.02M	-563K	-75.66M	-125.26M	-250.58M	-528.5M	-350.54M	-631.89M	-461K	-213.92M
Stock Issued	6.23M	7.44M	7.02M	7.27M	8.72M	9.09M	4.67M	5.84M	6.31M	6.86M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K
Other Financing	-303.14M	3B	4.86B	4.15B	3.95B	13.03B	10.1B	-5.72B	2.3B	1.22B
Net Change in Cash+	-17.42M	-4.69M	38.43M	-9.38M	-8.93M	102.77M	-62.58M	41.65M	-48.58M	1.83M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	381.1M	378.89M	374.2M	412.63M	403.25M	394.32M	497.09M	434.51M	476.16M	427.57M
Cash at End	363.67M	374.2M	412.63M	403.25M	394.32M	497.09M	434.51M	476.16M	427.57M	429.41M
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	543.73M	496.25M	573.79M	766.95M	619.32M	618.62M	931.47M	910.75M	478.57M	461.31M
FCF Growth %	-0.34%	-0.09%	0.16%	0.34%	-0.19%	-0%	0.51%	-0.02%	-0.47%	-0.04%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	19.11%	4.21%	2.09%	11.73%	11.72%	8.41%	15.58%	21.92%	11.72%	11.42%
Return on Assets (ROA)	2.6%	0.58%	0.26%	1.35%	1.35%	0.86%	1.33%	1.54%	0.78%	0.85%
Net Interest Margin	3.94%	3.68%	3.39%	3.64%	3.63%	2.82%	2.61%	3.2%	3.01%	3.12%
Efficiency Ratio	60.69%	64.59%	58.1%	52.66%	51.54%	54.01%	54.02%	50.04%	46.83%	41.65%
Equity / Assets	14.28%	13.44%	11.53%	11.42%	11.55%	9.14%	7.95%	6.05%	7.27%	7.68%
Book Value / Share	49.51	50.28	50.02	53.65	62.03	70.12	73.32	54.38	71.69	78.37
NII Growth	49.09%	0.93%	5.62%	15.51%	9.04%	-1.85%	5.44%	10.72%	-1.65%	7.07%
Dividend Payout	2.15%	30.43%	89.07%	17.06%	17.26%	26.38%	15.13%	14.65%	29.53%	29.38%

Revenue by Segment

	2011	2016	2017	2018	2019	2020	2021	2022	2023	2024
Other Services	-	-	-	-	-	257.89M	311.25M	334.01M	374.44M	389.23M
Other Services Growth	-	-	-	-	-	-	20.69%	7.31%	12.10%	3.95%
Service Charges On Deposit Accounts	-	-	-	150.68M	-	147.82M	162.7M	157.21M	147.48M	151.34M
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	10.06%	-3.37%	-6.19%	2.62%
Banco Popular De Puerto Rico	-	-	-	-	1.63B	-	-	-	-	-
Banco Popular De Puerto Rico Growth	-	-	-	-	-	-	-	-	-	-
Popular Bank	-	-	-	-	295.47M	-	-	-	-	-
Popular Bank Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2011	2016	2017	2018	2019	2020	2021	2022	2023	2024
PUERTO RICO	1.55B	1.36B	1.53B	1.95B	2.02B	1.92B	2.14B	2.51B	2.18B	2.33B
PUERTO RICO Growth	-	-12.24%	12.20%	27.88%	3.19%	-4.71%	11.21%	17.30%	-13.17%	7.30%
UNITED STATES	347.46M	283.35M	318.09M	357.68M	371.37M	376.53M	390.2M	480.55M	518.8M	520.53M
UNITED STATES Growth	-	-18.45%	12.26%	12.45%	3.83%	1.39%	3.63%	23.15%	7.96%	0.33%
Other Countries	-	74.98M	75.28M	76.02M	74.12M	71.19M	73.04M	77.89M	87.5M	85.94M
Other Countries Growth	-	-	0.40%	0.98%	-2.50%	-3.95%	2.59%	6.64%	12.35%	-1.79%

Frequently Asked Questions

Valuation & Price

Popular, Inc. (BPOP) has a price-to-earnings (P/E) ratio of 14.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Popular, Inc. (BPOP) grew revenue by 11.5% over the past year. This is steady growth.

Yes, Popular, Inc. (BPOP) is profitable, generating $721.1M in net income for fiscal year 2024 (14.7% net margin).

Dividend & Returns

Yes, Popular, Inc. (BPOP) pays a dividend with a yield of 2.00%. This makes it attractive for income-focused investors.

Popular, Inc. (BPOP) has a return on equity (ROE) of 11.4%. This is reasonable for most industries.

Industry Metrics

Popular, Inc. (BPOP) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Popular, Inc. (BPOP) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.