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Upturn AI SWOT - About
BPOP 
Popular Inc (BPOP)
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Upturn Advisory Summary
07/03/2025: BPOP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $121
1 Year Target Price $121
| 3 | Strong Buy |
| 4 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.18% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.83B USD | Price to earnings Ratio 11.8 | 1Y Target Price 121 |
Price to earnings Ratio 11.8 | 1Y Target Price 121 | ||
Volume (30-day avg) 9 | Beta 0.62 | 52 Weeks Range 77.70 - 115.16 | Updated Date 07/3/2025 |
52 Weeks Range 77.70 - 115.16 | Updated Date 07/3/2025 | ||
Dividends yield (FY) 2.54% | Basic EPS (TTM) 9.69 |
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 25.16% | Operating Margin (TTM) 33.14% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 12.54% |
Valuation
Trailing PE 11.8 | Forward PE 11.56 | Enterprise Value 2178679296 | Price to Sales(TTM) 2.86 |
Enterprise Value 2178679296 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 3.15 | Enterprise Value to EBITDA - | Shares Outstanding 68510800 | Shares Floating 66576030 |
Shares Outstanding 68510800 | Shares Floating 66576030 | ||
Percent Insiders 1.92 | Percent Institutions 91.32 |
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 began as a small savings bank in San Juan, Puerto Rico, and has grown into one of the largest financial institutions in the Caribbean and the United States. It has evolved through various economic cycles and expanded its services to include retail banking, commercial banking, and investment services.
Core Business Areas
- Banco Popular de Puerto Rico: Offers a full range of financial services to retail, commercial, and government customers in Puerto Rico and the U.S. Virgin Islands. Includes deposit accounts, loans, credit cards, and online banking.
- Popular Bank: Provides retail and commercial banking services in the United States, primarily in New York, New Jersey, and Florida. Offers similar products as Banco Popular de Puerto Rico, but tailored for the U.S. market.
- EVERTEC: While formerly part of Popular, Inc. is now a separate entity. EVERTEC is a transaction processing business providing payment processing solutions for various clients.
Leadership and Structure
Popular Inc. is led by Ignacio Alvarez as President and CEO. The organizational structure includes various executive vice presidents overseeing different business segments, such as retail banking, commercial banking, and risk management. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Personal Banking Accounts: Includes checking, savings, money market accounts, and CDs. Market share varies by region. In Puerto Rico, Banco Popular has a significant market share. Competitors include FirstBank Puerto Rico, Oriental Bank. Data on account numbers and revenue isn't publicly available.
- Mortgage Loans: Offers residential mortgage loans. Market share data is fragmented and varies by region. Competitors include major national banks like Wells Fargo, JP Morgan Chase in the US and in PR: Scotiabank, FirstBank, and Oriental Bank. Revenue details are not broken out publicly.
- Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Competitors include Banco Santander, Citi. Exact revenue contribution for this product is not public.
- Credit Cards: Offers a range of credit card products. Competitors include American Express, Capital One, and other major card issuers. Data on number of users or revenue from this product is not broken out publicly.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is occurring as banks seek to achieve economies of scale.
Positioning
Popular Inc. is a leading financial institution in Puerto Rico and has a growing presence in the mainland U.S. Its competitive advantages include its strong brand recognition, extensive branch network in Puerto Rico, and diverse product offerings.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions where Popular operates (Puerto Rico and parts of the US) is estimated at over $100 billion. Popular Inc. is well-positioned to capture a significant share of this market through its existing customer base and expansion strategies.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Puerto Rico
- Extensive branch network
- Diverse product offerings
- Experienced management team
- Strong capital base
Weaknesses
- Geographic concentration in Puerto Rico
- Exposure to Puerto Rican economy
- Regulatory compliance costs
- Competition from larger banks
- Lack of diversified income stream
Opportunities
- Expansion into new markets in the U.S.
- Growth in digital banking services
- Acquisitions of smaller banks
- Increased lending activity
- FinTech partnerships
Threats
- Economic downturn in Puerto Rico or the U.S.
- Increased competition from fintech companies
- Rising interest rates
- Cybersecurity threats
- Changes in regulations
Competitors and Market Share
Key Competitors
- First BanCorp (FBP)
- Oriental Bank (OFG)
- Banco Santander (SAN)
Competitive Landscape
Popular Inc. has a strong competitive position in Puerto Rico due to its established brand and extensive branch network. Its competitive advantages include its local market knowledge and customer relationships. However, it faces competition from larger, national banks and fintech companies.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2023
- Acquisition Price (USD millions): 135
- Strategic Rationale: Expansion into attractive Southeast markets. Enhances Popularu2019s commercial banking capabilities and customer base in the Nashville, TN area.
Growth Trajectory and Initiatives
Historical Growth: Popular Inc. has experienced steady growth in recent years, driven by expansion in the U.S. and increased lending activity.
Future Projections: Analysts project continued growth for Popular Inc. in the coming years, driven by its strategic initiatives and favorable economic conditions. Revenue growth of 5-7% annually is expected.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking services, acquiring smaller banks in the U.S., and increasing its focus on commercial lending.
Summary
Popular Inc. is a well-established financial institution with a strong presence in Puerto Rico. Its solid financial performance and strategic initiatives support continued growth. However, it must manage risks associated with the Puerto Rican economy and increased competition. The Reliant Bank acquisition positions them well in the US Southeast.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Popular, Inc. Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and analyst estimates are subject to change. Past performance is not indicative of future results.
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 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9274 | Website https://www.popular.com |
Full time employees 9274 | 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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