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Upturn AI SWOT - About
BPOP 
Popular Inc (BPOP)
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Upturn Advisory Summary
08/29/2025: BPOP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $136.88
1 Year Target Price $136.88
| 3 | Strong Buy |
| 4 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.31% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.49B USD | Price to earnings Ratio 12.21 | 1Y Target Price 136.88 |
Price to earnings Ratio 12.21 | 1Y Target Price 136.88 | ||
Volume (30-day avg) 9 | Beta 0.67 | 52 Weeks Range 77.70 - 126.27 | Updated Date 08/29/2025 |
52 Weeks Range 77.70 - 126.27 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.18% | Basic EPS (TTM) 10.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.76% | Operating Margin (TTM) 35.15% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 12.73% |
Valuation
Trailing PE 12.21 | Forward PE 12.27 | Enterprise Value 3208518144 | Price to Sales(TTM) 3.03 |
Enterprise Value 3208518144 | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 3.42 | Enterprise Value to EBITDA - | Shares Outstanding 67582800 | Shares Floating 65645920 |
Shares Outstanding 67582800 | Shares Floating 65645920 | ||
Percent Insiders 1.96 | Percent Institutions 92.06 |
Upturn AI SWOT
Popular Inc
Company Overview
History and Background
Popular, Inc., formerly known as Banco Popular de Puerto Rico, was founded in 1893. It evolved from a small savings bank to a leading financial institution in Puerto Rico and the broader Caribbean, expanding into the US market with retail and commercial banking services.
Core Business Areas
- Puerto Rico Banking: Provides retail and commercial banking services, including deposit accounts, loans, and credit cards, to individuals and businesses in Puerto Rico.
- U.S. Banking: Offers banking services, including commercial and industrial lending, commercial real estate financing, and small business lending, to businesses across the US.
- Auto Financial Services: Provides auto loans and financing through dealerships in Puerto Rico and the US Virgin Islands.
Leadership and Structure
The company is led by a Board of Directors and a senior management team. The organizational structure comprises various departments overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a significant offering. While specific market share fluctuates, Popular is a leading mortgage provider in Puerto Rico and has a growing presence in the US. Competitors include major banks and mortgage lenders like Wells Fargo and JPMorgan Chase.
- Commercial Loans: Loans to businesses of various sizes. Popular has a significant share in Puerto Rico's commercial lending market. Competitors include Banco Santander and Oriental Bank.
- Auto Loans: Financing for vehicle purchases. Popular offers auto loans in Puerto Rico and the US Virgin Islands. Competitors include local banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to economic cycles, regulatory changes, and technological advancements. Interest rates, credit quality, and overall economic growth significantly impact profitability.
Positioning
Popular Inc. is a leading regional bank with a strong presence in Puerto Rico and a growing footprint in the US. Its competitive advantages include its brand recognition, established customer base, and expertise in the Puerto Rican market.
Total Addressable Market (TAM)
The TAM for banking services in Puerto Rico and the US mainland is substantial, estimated in the trillions of dollars. Popular Inc. is well-positioned to capture a share of this market with its diversified services and geographic presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Puerto Rico
- Established customer base
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Concentration risk in Puerto Rico's economy
- Exposure to potential credit losses
- Limited scale compared to larger US banks
- Dependence on interest rate environment
Opportunities
- Expansion in US markets
- Increased adoption of digital banking
- Growth in Puerto Rico's economy
- Acquisitions of smaller banks
- Development of new financial products and services
Threats
- Economic downturns
- Increased competition from fintech companies
- Changes in regulations
- Cybersecurity risks
- Natural disasters
Competitors and Market Share
Key Competitors
- SAN
- UBS
- JPM
Competitive Landscape
Popular Inc. faces competition from large national banks, regional banks, and credit unions. It has a strong position in Puerto Rico but needs to strengthen its competitive position in the US market.
Major Acquisitions
Reliant Bancshares, Inc.
- Year: 2023
- Acquisition Price (USD millions): 545
- Strategic Rationale: Expansion into the attractive Nashville, TN market and footprint growth.
Growth Trajectory and Initiatives
Historical Growth: Analyze historical revenue growth, profit growth, and asset growth over the past 5-10 years.
Future Projections: Consult analyst estimates for future revenue and earnings growth. A 5-year growth forecast would be useful.
Recent Initiatives: Identify recent strategic initiatives such as branch expansions, technology investments, or new product launches.
Summary
Popular Inc. shows financial strength with a good market position in Puerto Rico and recent strategic initiatives in the US. While it faces risks from economic conditions and competition, its diversified revenue and strategic acquisitions point toward a positive trajectory. Maintaining capital and expanding strategically will be crucial. The company should focus on solidifying its market position with continued US growth opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Press Releases, Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly. Consult a financial professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Popular Inc
Exchange NASDAQ | Headquaters Hato Rey, PR, United States | ||
IPO Launch date 1990-03-26 | President, CEO, Corporate Secretary & Director Mr. Javier D. Ferrer-Fernández J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9303 | Website https://www.popular.com |
Full time employees 9303 | Website https://www.popular.com | ||
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and the British Virgin Islands. The company offers savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also provides 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 offers investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
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