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Upturn AI Summary - About
Popular Inc(BPOP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BPOP
10/29/2026: BPOP (3-star) is currently NOT-A-BUY. Pass it for now.
Popular Inc is a prominent financial services company primarily known for its established banking franchise in Puerto Rico and targeted operations in the U.S. mainland. The stock is a staple for those seeking exposure to regional banking, with strengths rooted in deep brand loyalty and a robust deposit base. The core investment story centers on leveraging digital transformation to maintain efficiency and steady growth. However, investors must weigh these strengths against risks like geographic concentration, economic sensitivity in Puerto Rico, and competition from larger national banks. It may be well-suited for value and dividend-focused investors, provided they monitor regional economic health and interest rate cycles as key developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic trends rather than high-growth disruption. |
| Momentum investor | Mixed fit | Momentum is often cyclical and sensitive to interest rate news cycles. |
| Value investor | Strong fit | Popular often trades at valuations reflective of its regional bank status and dividend yield. |
| Dividend investor | Strong fit | The company maintains a consistent history of dividend payments and share repurchases. |
| Low-risk investor | Mixed fit | While established, geographic concentration in Puerto Rico adds a layer of regional risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Banking stocks frequently fluctuate with interest rate expectations and broader market sentiment. |
| Valuation risk | Medium | Valuation is sensitive to how the market prices regional versus national bank risks. |
| Competition risk (Banking) | Medium | Local competitors and large mainland banks vie for market share in both retail and commercial segments. |
| Business quality | Strong | The company holds a strong, entrenched franchise in its primary market. |
| Dividend income | Medium | Dividend stability is strong, but payouts remain subject to capital requirements. |
| Execution risk | Medium | Successful growth depends on managing costs and integrating digital transitions effectively. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 61.16% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.92B USD | Price to earnings Ratio 10.67 | 1Y Target Price 194.5 |
Price to earnings Ratio 10.67 | 1Y Target Price 194.5 | ||
Volume (30-day avg) 512.5K shares | Beta 0.65 | 52 Weeks Range 106.57 - 178.26 | Updated Date 10/28/2026 |
52 Weeks Range 106.57 - 178.26 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 1.88% | Basic EPS (TTM) 14.79 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Puerto Rico Banking | Retail and commercial deposits, mortgage lending, and auto loans. | This is the core engine generating the majority of the company's interest and fee income. |
| U.S. Mainland Operations | Commercial banking and lending services in targeted U.S. regions. | Provides geographic diversification beyond the local Puerto Rican economy. |
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 2026-10-22 | When Before Market | Estimate 3.9 | Actual 4.21 |
Profitability
Profit Margin 32.66% | Operating Margin (TTM) 38.82% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 16.58% |
Valuation
Trailing PE 10.67 | Forward PE 8.89 | Enterprise Value 10.86B | Price to Sales(TTM) 3.16 |
Enterprise Value 10.86B | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 3.44 | Enterprise Value to EBITDA - | Shares Outstanding 62.83M | Shares Floating 61.06M |
Shares Outstanding 62.83M | Shares Floating 61.06M | ||
Percent Insiders 1.89 | Percent Institutions 95.96 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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