Popular, Inc. (BPOP) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.45
↑+202% vs avg
5yr avg: 3.79
30Y Low0.4·High35.6
P/FCF
↑
15.20
↑+46% vs avg
5yr avg: 10.39
30Y Low1.4·High29.2
P/B Ratio
↑
1.72
↑+43% vs avg
5yr avg: 1.21
30Y Low0.4·High2.7
ROE
↓
14.0%
-6% vs avg
5yr avg: 14.9%
30Y Low-36%·High22%
Debt/EBITDA
↑
1.57
+12% vs avg
5yr avg: 1.41
30Y Low1.0·High30.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BPOP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Popular, Inc. trades at 12.9x earnings, 48% above its 5-year average of 8.7x, sitting at the 65th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 15.2x P/FCF, 46% above the 5-year average of 10.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $10.3B | $8.4B | $6.7B | $5.9B | $5.0B | $6.7B | $4.8B | $5.7B | $4.8B | $3.6B | $4.5B |
| Enterprise Value | $11.5B | $9.6B | $1.2B | $-285347560 | $485M | $-9943650200 | $-5711200000 | $3.6B | $1.9B | $-12913950 | $3.4B |
| P/E Ratio → | 12.95 | 10.12 | 10.99 | 10.91 | 4.53 | 7.16 | 9.59 | 8.54 | 7.79 | 34.79 | 21.27 |
| P/S Ratio | 2.34 | 1.90 | 1.61 | 1.57 | 1.54 | 2.53 | 1.94 | 2.04 | 1.81 | 1.71 | 2.37 |
| P/B Ratio | 1.72 | 1.35 | 1.20 | 1.14 | 1.22 | 1.12 | 0.80 | 0.95 | 0.88 | 0.71 | 0.87 |
| P/FCF | 15.20 | 12.36 | 14.60 | 12.31 | 5.48 | 7.17 | 7.83 | 9.20 | 6.24 | 6.31 | 9.13 |
| P/OCF | 11.78 | 9.58 | 9.98 | 8.58 | 4.92 | 6.65 | 7.13 | 8.08 | 5.64 | 5.69 | 7.59 |
P/E links to full P/E history page with 30-year chart
BPOP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Popular, Inc.'s enterprise value stands at 11.4x EBITDA, 202% above its 5-year average of 3.8x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.17 | 0.30 | -0.08 | 0.15 | -3.76 | -2.29 | 1.30 | 0.71 | -0.01 | 1.76 |
| EV / EBITDA | 11.45 | 9.53 | 1.46 | -0.39 | 0.37 | -7.60 | -8.36 | 4.10 | 2.36 | -0.03 | 9.50 |
| EV / EBIT | 11.45 | 9.53 | 1.57 | -0.42 | 0.39 | -7.99 | -9.23 | 4.44 | 2.56 | -0.04 | 11.40 |
| EV / FCF | — | 14.09 | 2.71 | -0.60 | 0.53 | -10.68 | -9.23 | 5.86 | 2.47 | -0.02 | 6.76 |
BPOP Profitability
Margins and return-on-capital ratios measuring operating efficiency
Popular, Inc. earns an operating margin of 22.7%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 18.0% to 22.7% over the past 3 years, signaling improving operational efficiency. ROE of 14.0% is modest. ROIC of 10.2% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.1% | 66.1% | 60.7% | 64.8% | 88.2% | 101.1% | 78.8% | 80.8% | 80.5% | 74.1% | 80.0% |
| Operating Margin | 22.7% | 22.7% | 19.0% | 18.0% | 38.2% | 47.1% | 24.8% | 29.3% | 27.9% | 16.0% | 15.4% |
| Net Profit Margin | 18.8% | 18.8% | 14.7% | 14.4% | 34.1% | 35.4% | 20.3% | 24.0% | 23.4% | 5.1% | 11.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.0% | 14.0% | 11.4% | 11.7% | 21.9% | 15.6% | 8.4% | 11.7% | 11.7% | 2.1% | 4.2% |
| ROA | 1.1% | 1.1% | 0.9% | 0.8% | 1.5% | 1.3% | 0.9% | 1.3% | 1.3% | 0.3% | 0.6% |
| ROIC | 10.2% | 10.2% | 9.0% | 8.4% | 14.3% | 12.5% | 6.1% | 8.3% | 7.8% | 3.5% | 3.0% |
| ROCE | 14.1% | 14.1% | 11.9% | 11.3% | 19.2% | 16.3% | 8.0% | 11.1% | 9.6% | 4.2% | 3.8% |
BPOP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Popular, Inc. carries a Debt/EBITDA ratio of 1.6x, which is manageable (63% below the sector average of 4.3x). Net debt stands at $1.2B ($1.6B total debt minus $403M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.23 | 0.24 | 0.39 | 0.22 | 0.26 | 0.26 | 0.31 | 0.40 | 0.40 |
| Debt / EBITDA | 1.57 | 1.57 | 1.53 | 1.68 | 1.22 | 1.03 | 2.31 | 1.79 | 2.09 | 5.11 | 5.82 |
| Net Debt / Equity | — | 0.19 | -0.98 | -1.20 | -1.10 | -2.78 | -1.75 | -0.34 | -0.53 | -0.71 | -0.23 |
| Net Debt / EBITDA | 1.17 | 1.17 | -6.41 | -8.38 | -3.49 | -12.71 | -15.44 | -2.33 | -3.61 | -9.17 | -3.32 |
| Debt / FCF | — | 1.73 | -11.90 | -12.91 | -4.95 | -17.85 | -17.06 | -3.34 | -3.77 | -6.33 | -2.36 |
| Interest Coverage | 0.81 | 0.81 | 0.57 | 0.61 | 4.14 | 7.54 | 2.63 | 2.22 | 2.57 | 1.51 | 1.39 |
BPOP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.01x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.38x to 0.01x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.01 | 0.01 | 0.38 | 0.38 | 0.39 | 0.66 | 0.61 | 0.51 | 0.47 | 0.48 | 0.40 |
| Quick Ratio | 0.01 | 0.01 | 0.38 | 0.38 | 0.39 | 0.66 | 0.61 | 0.51 | 0.47 | 0.48 | 0.40 |
| Cash Ratio | 0.01 | 0.01 | 0.10 | 0.12 | 0.10 | 0.27 | 0.21 | 0.08 | 0.11 | 0.16 | 0.10 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BPOP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Popular, Inc. returns 6.7% to shareholders annually — split between a 1.8% dividend yield and 4.9% buyback yield. The payout ratio of 23.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 23.7% | 23.7% | 29.4% | 29.5% | 14.6% | 15.1% | 26.4% | 17.3% | 17.1% | 89.1% | 30.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.7% | 9.9% | 9.1% | 9.2% | 22.1% | 14.0% | 10.4% | 11.7% | 12.8% | 2.9% | 4.7% |
| FCF Yield | 6.6% | 8.1% | 6.8% | 8.1% | 18.2% | 13.9% | 12.8% | 10.9% | 16.0% | 15.8% | 11.0% |
| Buyback Yield | 4.9% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $68M | $72M | $72M | $75M | $81M | $86M | $97M | $101M | $102M | $103M |
Peer Comparison
Compare BPOP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BPOPYou | $10B | 12.9 | 11.4 | 15.2 | 66.1% | 22.7% | 14.0% | 10.2% | 1.6 |
 FBP | $4B | 11.7 | 8.7 | 9.0 | 72.9% | 33.2% | 19.0% | 13.7% | 0.9 |
 OFG | $2B | 10.4 | 5.4 | 10.1 | 71.2% | 30.8% | 15.5% | 10.9% | 2.0 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 HOPE | $2B | 27.9 | 17.7 | 10.8 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 CFG | $29B | 17.4 | 10.3 | 14.3 | 69.8% | 20.9% | 7.2% | 4.7% | 4.2 |
 HBAN | $27B | 12.1 | 16.1 | 11.7 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 RF | $25B | 12.5 | 6.8 | 11.5 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
 FITB | $35B | 14.9 | 12.8 | 9.3 | 65.3% | 24.9% | 12.2% | 6.4% | 4.0 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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BPOP — Frequently Asked Questions
Quick answers to the most common questions about buying BPOP stock.
What is Popular, Inc.'s P/E ratio?
Popular, Inc.'s current P/E ratio is 12.9x. The historical average is 12.3x. This places it at the 65th percentile of its historical range.
What is Popular, Inc.'s EV/EBITDA?
Popular, Inc.'s current EV/EBITDA is 11.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.2x.
What is Popular, Inc.'s ROE?
Popular, Inc.'s return on equity (ROE) is 14.0%. The historical average is 8.7%.
Is BPOP stock overvalued?
Based on historical data, Popular, Inc. is trading at a P/E of 12.9x. This is at the 65th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Popular, Inc.'s dividend yield?
Popular, Inc.'s current dividend yield is 1.84% with a payout ratio of 23.7%.
What are Popular, Inc.'s profit margins?
Popular, Inc. has 66.1% gross margin and 22.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Popular, Inc. have?
Popular, Inc.'s Debt/EBITDA ratio is 1.6x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.