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Earnings transcript
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BPOP
Popular, Inc.
$156
2.34
(1.52%)
| Exchange: | NASDAQ |
| Market Cap: | 10.068B |
| Shares Outstanding: | 23.954M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Javier D. Ferrer-Fernández | |||||
| Full Time Employees: | 9274 | |||||
| Address: |
| |||||
| Website: | https://www.popular.com |
Popular, Inc., along with its subsidiaries, offers a broad spectrum of financial products and services encompassing retail, mortgage, and commercial banking. These operations extend across Puerto Rico, the United States, and the British Virgin Islands. The company provides various deposit options, including interest-bearing accounts such as savings, NOW, and money market accounts, alongside non-interest-bearing demand deposits and certificates of deposit. Its diverse lending activities include commercial and industrial financing, loans for multi-family and commercial real estate, and residential mortgage products. For individual consumers, Popular provides personal loans, credit cards, automobile financing, and home equity lines of credit. Construction project funding and lease financing, especially for vehicles, are also part of its offerings. Further expanding its services, Popular, Inc. engages in investment banking, equipment and auto leasing and financing, broker-dealer operations, and insurance. It also supports convenient banking through debit cards and online platforms. Established in 1893 and headquartered in Hato Rey, Puerto Rico, Popular, Inc. maintained a significant operational footprint as of December 31, 2021. This included 169 branches and 616 ATMs throughout Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs situated in the continental United States.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,757,961 | 4,189,495 | 4,428,421 |
| Gross Profit | 2,435,569 | 2,541,578 | 2,926,452 |
| EBITDA | 737,226 | 856,634 | 1,006,793 |
| Operating Income | 675,539 | 796,618 | 1,006,793 |
| Net Income | 541,342 | 614,212 | 833,159 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 70,758,155 | 73,045,383 | 75,348,267 |
| Total Liabilities | 65,611,202 | 67,432,317 | 69,099,188 |
| Total Stockholders Equity | 5,146,953 | 5,613,066 | 6,249,079 |
| Total Debt | 1,242,016 | 1,311,573 | 1,448,578 |
| Cash and Cash Equivalents | 7,419,333 | 6,800,586 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 686,612 | 674,722 | 878,447 |
| Capital Expenditure | -208,044 | -213,412 | -197,460 |
| Free Cash Flow | 478,568 | 461,310 | 680,987 |
| Net Income | 541,342 | 614,212 | 833,159 |
| Net Change in Cash | -48,584 | 1,831 | -16,417 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,763,738.545 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,763,738.616 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,763,738.581 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,146,109.055 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,146,109.077 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,146,109.066 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,241,586.222 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,305,211.264 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,273,398.743 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 950,333.689 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 950,333.706 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 950,333.698 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 18.680 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 19.300 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 18.360 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: BPOP has demonstrated consistent revenue and net income growth as per recent income statements, supported by strong operating cash flow and free cash flow figures from cash flow statements. This indicates robust operational efficiency and financial health.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio (TTM) and price-to-sales (P/S) ratio (TTM) suggest BPOP is reasonably valued compared to industry averages, providing a stable investment profile for value-focused investors.
- Strong Balance Sheet: Balance sheet data highlights a healthy current ratio (TTM) and manageable debt-to-equity ratio (TTM), reflecting liquidity and a balanced capital structure that supports long-term stability.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BPOP intrinsic value between $94.77 – $100.41 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about BPOP valuation
Is Popular, Inc. (BPOP) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Popular, Inc. (BPOP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BPOP a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BPOP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BPOP’s P/E ratio?
You can see BPOP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BPOP?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BPOP a good long-term investment?
Whether BPOP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BPOP
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.52
Trading Metrics:
| Open: | 154.95 | Previous Close: | 153.66 | |
| Day Low: | 154.06 | Day High: | 158.26 | |
| Year Low: | 102.56 | Year High: | 158.26 | |
| Price Avg 50: | 146.44 | Price Avg 200: | 130.89 | |
| Volume: | 575010 | Average Volume: | 501774 |
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Login — it's freeBPOP full analysis
Welcome to MARKETSNAP’s SWOT analysis for Popular, Inc., better known by its ticker BPOP! If you’re a long-term investor looking to build wealth and dig into some solid stock opportunities, you’re in the right place. Today, we’re breaking down Popular, Inc., a financial services powerhouse, to see if it’s got the potential to be a cornerstone in your portfolio. Let’s dive into who they are, what’s been happening with them lately, and then get into the nitty-gritty of their strengths,…
