Popular Financials

BPOP Stock  USD 128.68  2.72  2.16%   
Based on the analysis of Popular's profitability, liquidity, and operating efficiency, Popular may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Popular's Liabilities And Stockholders Equity is relatively stable compared to the past year. As of 01/05/2026, Total Liabilities is likely to grow to about 81.4 B, while Property Plant And Equipment Net is likely to drop slightly above 538.9 M. Key indicators impacting Popular's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.260.27
Sufficiently Down
Slightly volatile
Current Ratio0.360.35
Fairly Up
Slightly volatile
Investors should never underestimate Popular's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Popular's cash flow, debt, and profitability to make informed and accurate decisions about investing in Popular.

Net Income

741.66 Million

  
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Understanding current and past Popular Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Popular's financial statements are interrelated, with each one affecting the others. For example, an increase in Popular's assets may result in an increase in income on the income statement.

Popular Earnings Geography

Popular Stock Summary

Popular competes with Zions Bancorporation, CullenFrost Bankers, Old National, Commerce Bancshares, and Pinnacle Financial. Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico. Popular operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 8351 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINPR7331747001
Business Address209 Muoz Rivera
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.popular.com
Phone787 765 9800
CurrencyUSD - US Dollar

Popular Key Financial Ratios

Popular Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets75.1B67.6B70.8B73.0B84.0B88.2B
Other Current Liab67.3B61.6B64.0B65.2B75.0B78.8B
Net Debt(16.6B)(4.5B)(6.2B)(5.5B)(4.9B)(4.7B)
Retained Earnings3.0B3.8B4.2B4.6B5.3B5.5B
Cash18.0B6.1B7.4B6.8B7.8B8.2B
Net Receivables1.7B460.0M492.2M295.8M340.2M497.4M
Good Will720.3M827.4M804.4M803.0M923.4M511.1M
Other Current Assets156.5M142.4M148.5M147.9M133.1M126.5M
Total Liab69.1B63.5B65.6B67.4B77.5B81.4B
Total Current Assets44.7B24.4B24.7B25.5B29.3B30.7B
Short Term Debt179.4M527.9M102.3M288.9M260.0M247.0M
Intangible Assets137.0M141.3M127.9M114.9M103.4M98.3M
Other Assets4.0B(6.2B)(17.9B)(295.8M)(266.2M)(279.5M)
Common Stock1.0M1.0M1.0M1.0M943.2K896.0K
Other Liab341.1M1.7B959.0M238.6M274.4M260.7M
Accounts Payable138.8M125.2M148.5M647.1M582.4M553.3M
Long Term Debt988.6M886.7M986.9M896.3M806.7M766.3M
Inventory(12.7B)(1.2B)(6.4B)(992.5M)(893.3M)(937.9M)
Treasury Stock(459.8M)(1.0B)(1.4B)(2.0B)(1.8B)(1.7B)
Net Tangible Assets5.3B5.3B5.2B3.2B3.7B4.7B
Long Term Debt Total1.1B1.2B988.6M886.7M798.0M1.3B
Capital Surpluse4.4B4.6B4.7B4.8B5.5B4.8B

Popular Key Income Statement Accounts

The reason investors look at the income statement is to determine what Popular's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202120222023202420252026 (projected)
Interest Expense165.0M298.6M1.1B1.4B1.3B1.3B
Total Revenue2.6B3.2B3.8B4.2B4.8B2.6B
Gross Profit2.7B2.9B2.4B2.5B2.9B1.6B
Operating Income1.2B1.2B675.5M796.6M916.1M961.9M
Ebit1.2B1.2B675.5M796.6M916.1M961.9M
Ebitda1.3B1.3B737.2M856.6M985.1M510.1M
Cost Of Revenue(28.4M)381.6M1.3B1.6B1.9B1.0B
Income Before Tax1.2B1.2B675.5M796.6M916.1M961.9M
Net Income934.9M1.1B541.3M614.2M706.3M741.7M
Income Tax Expense309.0M132.3M134.2M182.4M209.8M220.3M
Tax Provision309.0M132.3M85.3M182.4M209.8M220.3M
Net Interest Income2.0B2.2B2.2B2.3B2.6B2.0B
Interest Income2.1B2.5B3.1B3.7B4.2B2.5B

Popular Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(62.6M)41.6M(48.6M)1.8M2.1M2.2M
Free Cash Flow931.5M910.7M478.6M461.3M530.5M512.6M
Depreciation64.2M58.4M61.7M60.0M54.0M71.0M
Other Non Cash Items(1.0B)(479.5M)92.3M(51.5M)(46.3M)(48.7M)
Dividends Paid141.5M161.5M(159.9M)(180.5M)(162.4M)(154.3M)
Capital Expenditures73.7M103.8M208.0M213.4M245.4M257.7M
Net Income934.9M1.1B541.3M614.2M706.3M741.7M
End Period Cash Flow434.5M476.2M427.6M429.4M386.5M572.2M
Change To Inventory13.5M43.7M62.9M23.2M26.7M28.1M
Investments(5.0B)(4.3B)(282.1M)(1.6B)(1.5B)(1.5B)
Net Borrowings(192.4M)243.9M(271.9M)129.1M148.4M155.9M
Change To Netincome34.2M172.2M70.3M(88.1M)(79.3M)(75.3M)

Popular Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Popular's current stock value. Our valuation model uses many indicators to compare Popular value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Popular competition to find correlations between indicators driving Popular's intrinsic value. More Info.
Popular is rated fourth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Popular is roughly  12.31 . At this time, Popular's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Popular by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Popular Systematic Risk

Popular's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Popular volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Popular correlated with the market. If Beta is less than 0 Popular generally moves in the opposite direction as compared to the market. If Popular Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Popular is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Popular is generally in the same direction as the market. If Beta > 1 Popular moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Popular Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Popular's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Popular growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.55

At this time, Popular's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Popular January 5, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Popular help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Popular. We use our internally-developed statistical techniques to arrive at the intrinsic value of Popular based on widely used predictive technical indicators. In general, we focus on analyzing Popular Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Popular's daily price indicators and compare them against related drivers.

Additional Tools for Popular Stock Analysis

When running Popular's price analysis, check to measure Popular's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Popular is operating at the current time. Most of Popular's value examination focuses on studying past and present price action to predict the probability of Popular's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Popular's price. Additionally, you may evaluate how the addition of Popular to your portfolios can decrease your overall portfolio volatility.