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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
10/08/2026: BPOP (3-star) is currently NOT-A-BUY. Pass it for now.
Popular Inc is a prominent financial services institution with a strong, foundational presence in Puerto Rico and a growing footprint in the US mainland. The company's primary strength lies in its dominant market position and stable deposit base, which support a consistent record of financial performance. Its main growth story centers on digital transformation and expanding its commercial lending activities. Investors should carefully monitor the risks associated with its geographic concentration and sensitivity to regional economic fluctuations. As a stable entity with a history of dividend payments, it is often considered by value-oriented and income-seeking investors interested in the regional banking sector.
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 steady rather than explosive, tied to regional economic expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on broader banking sector strength and regional economic health. |
| Value investor | Strong fit | The stock often trades at valuations that attract value-oriented investors seeking regional financial exposure. |
| Dividend investor | Strong fit | Consistent dividend payments make it a candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While generally stable, geographic concentration risk adds a layer of volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is susceptible to fluctuations in the broader financial sector and Puerto Rico's specific economic news. |
| Valuation risk | Medium | Changes in market sentiment toward regional banks can impact valuation multiples. |
| Competition risk (Banking sector competition) | Medium / high | New entrants and aggressive pricing from established players impact margins. |
| Business quality | Strong | The company has a long-standing history and a robust franchise in its primary market. |
| Dividend income | Medium | Dividends remain stable, though regulatory requirements could impact payout capacity. |
| Execution risk | Medium | Successful implementation of digital strategy and management of loan portfolios is critical for long-term results. |
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 10/08/2026 |
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 10.52 | 1Y Target Price 195.2 |
Price to earnings Ratio 10.52 | 1Y Target Price 195.2 | ||
Volume (30-day avg) 544.7K shares | Beta 0.65 | 52 Weeks Range 106.31 - 178.26 | Updated Date 10/07/2026 |
52 Weeks Range 106.31 - 178.26 | Updated Date 10/07/2026 | ||
Dividends yield (FY) 1.90% | Basic EPS (TTM) 14.79 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes most of its money from the difference between interest earned on loans and interest paid to savers. |
| Non-Interest Income | Fees from banking services, wealth management, and insurance. | Service fees and auxiliary financial products provide a steady stream of recurring revenue. |
| Geography: Puerto Rico | Core banking operations and branch network. | The Puerto Rican market is the primary driver of the company's overall financial health. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 10.52 | Forward PE 9.68 | Enterprise Value 6.58B | Price to Sales(TTM) 3.24 |
Enterprise Value 6.58B | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 63.78M | Shares Floating 62.01M |
Shares Outstanding 63.78M | Shares Floating 62.01M | ||
Percent Insiders 1.86 | Percent Institutions 94.17 |
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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