Popular, Inc. (BPOP) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.86
↑+187% vs avg
5yr avg: 3.79
30Y Low0.4·High35.6
P/FCF
↑
14.32
↑+38% vs avg
5yr avg: 10.39
30Y Low1.4·High29.2
P/B Ratio
↑
1.62
↑+35% 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 12.2x earnings, 40% above its 5-year average of 8.7x, sitting at the 54th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 9%. On a free-cash-flow basis, the stock trades at 14.3x P/FCF, 38% 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 | $9.8B | $8.4B | $6.7B | $5.9B | $5.0B | $6.7B | $4.8B | $5.7B | $4.8B | $3.6B | $4.5B |
| Enterprise Value | $10.9B | $9.6B | $1.2B | $-285347560 | $485M | $-9943650200 | $-5711200000 | $3.6B | $1.9B | $-12913950 | $3.4B |
| P/E Ratio → | 12.20 | 10.12 | 10.99 | 10.91 | 4.53 | 7.16 | 9.59 | 8.54 | 7.79 | 34.79 | 21.27 |
| P/S Ratio | 2.20 | 1.90 | 1.61 | 1.57 | 1.54 | 2.53 | 1.94 | 2.04 | 1.81 | 1.71 | 2.37 |
| P/B Ratio | 1.62 | 1.35 | 1.20 | 1.14 | 1.22 | 1.12 | 0.80 | 0.95 | 0.88 | 0.71 | 0.87 |
| P/FCF | 14.32 | 12.36 | 14.60 | 12.31 | 5.48 | 7.17 | 7.83 | 9.20 | 6.24 | 6.31 | 9.13 |
| P/OCF | 11.10 | 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 10.9x EBITDA, 187% 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 | 10.86 | 9.53 | 1.46 | -0.39 | 0.37 | -7.60 | -8.36 | 4.10 | 2.36 | -0.03 | 9.50 |
| EV / EBIT | 10.86 | 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%, roughly in line with the Financial Services sector average. 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 5.7%.
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 (62% below the sector average of 4.1x). 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 7.1% to shareholders annually — split between a 1.9% dividend yield and 5.2% buyback yield. The payout ratio of 23.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.2% (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 | 1.9% | 2.3% | 2.7% | 2.7% | 3.2% | 2.1% | 2.8% | 2.0% | 2.2% | 2.6% | 1.5% |
| 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 | 8.2% | 9.9% | 9.1% | 9.2% | 22.1% | 14.0% | 10.4% | 11.7% | 12.8% | 2.9% | 4.7% |
| FCF Yield | 7.0% | 8.1% | 6.8% | 8.1% | 18.2% | 13.9% | 12.8% | 10.9% | 16.0% | 15.8% | 11.0% |
| Buyback Yield | 5.2% | 6.0% | 3.2% | 0.0% | 12.7% | 5.2% | 10.9% | 4.4% | 2.6% | 2.1% | 0.0% |
| Total Shareholder Yield | 7.1% | 8.3% | 5.9% | 2.7% | 15.9% | 7.4% | 13.7% | 6.4% | 4.8% | 4.7% | 1.5% |
| 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 | 12.2 | 10.9 | 14.3 | 66.1% | 22.7% | 14.0% | 10.2% | 1.6 |
 FBP | $4B | 11.3 | 8.4 | 8.7 | 72.9% | 33.2% | 19.0% | 13.7% | 0.9 |
 OFG | $2B | 10.2 | 5.3 | 9.9 | 71.2% | 30.8% | 15.5% | 10.9% | 2.0 |
 IBCP | $696M | 10.3 | 9.4 | 9.9 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 HOPE | $2B | 27.5 | 17.4 | 10.7 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 CFG | $28B | 21.7 | 12.4 | 15.1 | 57.6% | 15.3% | 6.2% | 3.8% | 5.2 |
 HBAN | $26B | 12.0 | 16.0 | 11.6 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 RF | $24B | 12.3 | 6.6 | 11.2 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
 FITB | $34B | 16.2 | 14.7 | 14.1 | 59.2% | 22.3% | 11.9% | 5.7% | 5.6 |
 BOKF | $10B | 16.7 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Full BPOP Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See BPOP's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs BPOP Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare BPOP vs FBP
Side-by-side business, growth, and profitability comparison vs First BanCorp..
Start ComparisonBPOP — 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 12.2x. The historical average is 12.3x. This places it at the 54th percentile of its historical range.
What is Popular, Inc.'s EV/EBITDA?
Popular, Inc.'s current EV/EBITDA is 10.9x. 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 12.2x. This is at the 54th 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 1.95% 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.