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Upturn AI SWOT - About
BPOP 
Popular Inc (BPOP)
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Upturn Advisory Summary
10/29/2025: BPOP (1-star) is currently NOT-A-BUY. Pass it for now.
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 $143
1 Year Target Price $143
| 3 | Strong Buy |
| 4 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.85% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.53B USD | Price to earnings Ratio 9.98 | 1Y Target Price 143 |
Price to earnings Ratio 9.98 | 1Y Target Price 143 | ||
Volume (30-day avg) 9 | Beta 0.69 | 52 Weeks Range 77.23 - 129.32 | Updated Date 10/28/2025 |
52 Weeks Range 77.23 - 129.32 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 2.53% | Basic EPS (TTM) 11.26 |
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 2025-10-22 | When Before Market | Estimate 2.87 | Actual 3.14 |
Profitability
Profit Margin 27.01% | Operating Margin (TTM) 36.11% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 13.05% |
Valuation
Trailing PE 9.98 | Forward PE 9.55 | Enterprise Value 8385037824 | Price to Sales(TTM) 2.62 |
Enterprise Value 8385037824 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 3.41 | Enterprise Value to EBITDA - | Shares Outstanding 66959866 | Shares Floating 65039457 |
Shares Outstanding 66959866 | Shares Floating 65039457 | ||
Percent Insiders 1.98 | Percent Institutions 93 |
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 has grown from a local bank to a diversified financial services provider with a presence in the United States and the Caribbean. A significant milestone was its expansion into the U.S. mainland to serve the Puerto Rican diaspora. It has evolved to offer a broader range of services, including banking, wealth management, and insurance.
Core Business Areas
- Banco Popular de Puerto Rico: Offers a full range of banking services in Puerto Rico, including retail banking, commercial banking, and government banking.
- Popular Bank: Operates in the United States, providing banking services primarily to individuals and businesses in New York, New Jersey, and Florida.
- EVERTEC Group, LLC: Transaction processing business that provides payment processing and technology solutions.
Leadership and Structure
The leadership team includes the CEO, CFO, and heads of the various business segments. The organizational structure includes divisions for retail banking, commercial banking, operations, and technology.
Top Products and Market Share
Key Offerings
- Personal Banking Accounts: Includes checking, savings, and money market accounts. Competitors include other major banks like First BanCorp and OFG Bancorp. Market Share data not publicly available for individual banking product, but overall Popular has substantial market share in Puerto Rico
- Commercial Loans: Provides loans to businesses for various purposes. Competitors include Santander and Oriental Bank. Specific market share data is not readily available at a granular level.
- Revenue: Revenue breakdown by product is not available.
- Mortgage Loans: Provides mortgage loans to individuals and businesses. Competitors include other major banks like First BanCorp and OFG Bancorp.
- Revenue: Revenue breakdown by product is not available.
- Credit Cards: Provide credit cards to individuals and businesses. Competitors include American Express and Discover, revenue not available
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, regulatory changes, and economic conditions. The industry is increasingly competitive with the rise of fintech companies.
Positioning
Popular Inc. is a leading financial institution in Puerto Rico and has a growing presence in the U.S. mainland. Its competitive advantages include its strong brand recognition and customer loyalty.
Total Addressable Market (TAM)
The TAM for the financial services industry is in the trillions of dollars globally. Popular Inc. is positioned to capture a portion of this TAM through its diverse offerings and strategic expansion.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Puerto Rico
- Established customer base
- Diversified business model
- Experienced management team
- Growing presence in the U.S. mainland
Weaknesses
- Geographic concentration in Puerto Rico
- Exposure to economic conditions in Puerto Rico
- Competition from larger U.S. banks
- Legacy technology systems
- Higher operating expenses compared to some peers
Opportunities
- Expansion into new markets in the U.S. mainland
- Growth in wealth management and insurance services
- Adoption of new technologies
- Strategic acquisitions
- Increase in demand for digital banking solutions
Threats
- Economic downturn in Puerto Rico or the U.S.
- Increased competition from fintech companies
- Changes in regulatory environment
- Cybersecurity threats
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- FBP
- OFG
Competitive Landscape
Popular Inc is a strong player in the Puerto Rican market. It faces competition from larger US banks and smaller local banks. Its competitive advantages include its brand recognition and customer loyalty.
Major Acquisitions
Reliant Bancshares
- Year: 2024
- Acquisition Price (USD millions): 545
- Strategic Rationale: To strengthen its presence and expand the footprint of its U.S. banking operations.
Growth Trajectory and Initiatives
Historical Growth: Popular Inc has experienced steady growth over the past several years. Refer to the latest annual report for accurate historical returns.
Future Projections: Analysts project moderate growth for Popular Inc, driven by its expansion into new markets and its focus on digital banking. Please refer to the latest estimates.
Recent Initiatives: Recent initiatives include expanding its presence in Florida and investing in new technologies.
Summary
Popular Inc. is a strong financial institution with a leading position in Puerto Rico. Its expansion into the U.S. mainland presents growth opportunities, but the company faces challenges from economic conditions and competition. The company's strong balance sheet and consistent dividend payments make it an attractive investment. However, it is necessary to monitor legacy systems upgrade implementation and U.S. market competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Popular Inc. Investor Relations
- SEC Filings
- Analyst Reports
- Market Data Providers (e.g., Yahoo Finance)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data is based on the most recent available information and is subject to change. Please consult with a financial professional before making any 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 9263 | Website https://www.popular.com |
Full time employees 9263 | 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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