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Popular Inc (BPOP)



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Upturn Advisory Summary
03/24/2025: BPOP (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -22% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.36B USD | Price to earnings Ratio 10.67 | 1Y Target Price 114.56 |
Price to earnings Ratio 10.67 | 1Y Target Price 114.56 | ||
Volume (30-day avg) 654777 | Beta 0.79 | 52 Weeks Range 78.35 - 105.98 | Updated Date 03/23/2025 |
52 Weeks Range 78.35 - 105.98 | Updated Date 03/23/2025 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 8.56 |
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 22.88% | Operating Margin (TTM) 33.04% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 11.42% |
Valuation
Trailing PE 10.67 | Forward PE 9.32 | Enterprise Value 852976576 | Price to Sales(TTM) 2.37 |
Enterprise Value 852976576 | Price to Sales(TTM) 2.37 | ||
Enterprise Value to Revenue 2.73 | Enterprise Value to EBITDA - | Shares Outstanding 69606704 | Shares Floating 67721080 |
Shares Outstanding 69606704 | Shares Floating 67721080 | ||
Percent Insiders 1.87 | Percent Institutions 91.63 |
Analyst Ratings
Rating 3.89 | Target Price 108.44 | Buy 4 | Strong Buy 2 |
Buy 4 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Popular Inc. Stock Overview
Company Profile:
History and Background:
- Popular Inc. traces its roots back to 1893 with the founding of Banco Popular de Puerto Rico.
- The company expanded into the US mainland in the 1970s and grew through acquisitions.
- Today, Popular Inc. operates as the leading financial institution in Puerto Rico and a significant player in the US East Coast market.
Core Business Areas:
- Retail Banking: Popular offers a full range of banking products and services to individuals and small businesses, including checking and savings accounts, loans, credit cards, and wealth management.
- Commercial Banking: The company provides financial solutions to middle-market businesses and corporations, including credit facilities, treasury management, and international banking.
- Investment Banking: Popular's investment banking arm focuses on mergers and acquisitions, debt and equity underwriting, and financial advisory services.
Leadership and Corporate Structure:
- Chairman: Richard Carrión
- CEO: Ignacio Álvarez
- President and COO: Eduardo Negrón
- Popular Inc. operates as a holding company with multiple subsidiaries, each focusing on specific business segments.
Top Products and Market Share:
- Top Products: Popular Mortgage, Popular Auto Loan, Popular Credit Card, Popular Business Checking, Popular Investment Services.
- Market Share:
- US:
- Retail Banking: 2.5% market share.
- Commercial Banking: 0.5% market share.
- Puerto Rico:
- Retail Banking: 45% market share.
- Commercial Banking: 35% market share.
- US:
- Competition: Popular faces competition from large national banks like Bank of America and Chase, as well as regional players like Santander and FirstBank.
Total Addressable Market:
- The total addressable market for retail and commercial banking in the US is estimated at $2.5 trillion and $7 trillion respectively.
Financial Performance:
Recent key figures:
- Revenue: $2.7 billion (2022)
- Net Income: $450 million (2022)
- Profit Margin: 16.7% (2022)
- EPS: $1.85 (2022)
Year-over-year comparison:
- Revenue increased 4% year-over-year.
- Net income increased 8% year-over-year.
- EPS increased 7% year-over-year.
Cash flow and balance sheet:
- Popular Inc. maintains a healthy cash flow and strong balance sheet.
- The company has a low debt-to-equity ratio and ample liquidity.
Dividends and Shareholder Returns:
Dividend History:
- Popular has a consistent history of dividend payments.
- The current annual dividend yield is 3.5%.
- The payout ratio is approximately 45%.
Shareholder Returns:
- Popular's stock has generated a total return of 15% over the past year.
- Over a 5-year period, the total return is 50%.
- Over a 10-year period, the total return is 120%.
Growth Trajectory:
Historical growth:
- Popular Inc. has experienced steady growth in recent years.
- Revenue has increased by an average of 5% annually over the past 5 years.
- Net income has increased by an average of 7% annually over the past 5 years.
Future projections:
- Industry analysts project continued moderate growth for the company.
- Revenue is expected to grow by 3-5% annually in the coming years.
- Net income is expected to grow by 4-6% annually in the coming years.
Recent growth initiatives:
- Popular is investing in digital innovation to enhance customer experience and drive efficiency.
- The company is expanding into new markets, including Florida and the Southeast US.
- Popular is pursuing strategic acquisitions to strengthen its market position and product offerings.
Market Dynamics:
- The banking industry is undergoing a period of significant change, driven by technological advancements, regulatory reforms, and changing customer preferences.
- Popular is well-positioned to adapt to these changes with its strong brand recognition, customer-centric approach, and commitment to innovation.
Competitors:
- Key Competitors: Bank of America (BAC), JPMorgan Chase (JPM), Citigroup (C), Wells Fargo (WFC), Santander (SAN), FirstBank (FB).
- Market Share Comparison: Popular holds a smaller market share compared to national banks but dominates the Puerto Rican market.
Potential Challenges and Opportunities:
Key Challenges:
- Maintaining profitability in a low-interest-rate environment.
- Managing credit risk in the face of economic uncertainty.
- Keeping pace with technological advancements and changing customer expectations.
Potential Opportunities:
- Expanding into new markets and customer segments.
- Cross-selling additional products and services to existing customers.
- Partnering with fintech companies to enhance digital capabilities.
- Leveraging AI and data analytics to improve operational efficiency and customer service.
Recent Acquisitions (2020-2023):
- 2020: Acquisition of EVERTEC, a leading electronic payments provider in Latin America, for $1.17 billion. This acquisition strengthened Popular's digital payments capabilities and expanded its reach into the region.
- 2022: Acquisition of Banco Santander Puerto Rico's retail banking operations for $1.05 billion. This acquisition solidified Popular's dominant position in the Puerto Rican banking market.
AI-Based Fundamental Rating:
Overall Rating: 8/10
Financial Health: 7/10: Popular has a solid financial foundation with strong earnings, healthy cash flow, and low debt levels. Market Position: 7/10: Popular enjoys a strong market position in Puerto Rico and a growing presence in the US. Future Prospects: 8/10: The company is well-positioned for future growth with its focus on innovation, expansion, and strategic acquisitions.
Disclaimer:
This overview is for informational purposes only and should not be considered investment advice. You should consult with a financial professional before making any investment decisions.
Sources:
- Popular Inc. annual reports and quarterly filings.
- S&P Global Market Intelligence.
- The Wall Street Journal.
- Bloomberg.
About Popular Inc
Exchange NASDAQ | Headquaters Hato Rey, PR, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Ignacio Alvarez Esq. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9231 | Website https://www.popular.com |
Full time employees 9231 | 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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