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Upturn AI SWOT - About
BPOP 
Popular Inc (BPOP)
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Upturn Advisory Summary
08/13/2025: BPOP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $135.38
1 Year Target Price $135.38
| 3 | Strong Buy |
| 4 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.67% | Avg. Invested days 47 | 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 08/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.97B USD | Price to earnings Ratio 11.4 | 1Y Target Price 135.38 |
Price to earnings Ratio 11.4 | 1Y Target Price 135.38 | ||
Volume (30-day avg) 9 | Beta 0.67 | 52 Weeks Range 77.70 - 119.00 | Updated Date 08/12/2025 |
52 Weeks Range 77.70 - 119.00 | Updated Date 08/12/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 10.29 |
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 2025-07-22 | When Before Market | Estimate 2.54 | Actual 3.09 |
Profitability
Profit Margin 25.76% | Operating Margin (TTM) 35.15% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 12.73% |
Valuation
Trailing PE 11.4 | Forward PE 11.27 | Enterprise Value 8794035200 | Price to Sales(TTM) 2.85 |
Enterprise Value 8794035200 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 3.16 | Enterprise Value to EBITDA - | Shares Outstanding 67937504 | Shares Floating 66000571 |
Shares Outstanding 67937504 | Shares Floating 66000571 | ||
Percent Insiders 1.95 | Percent Institutions 91.62 |
Upturn AI SWOT
Popular Inc
Company Overview
History and Background
Popular, Inc., formerly known as Banco Popular de Puerto Rico, was founded in 1893. Initially a single branch bank in San Juan, it has grown into a diversified financial services company with operations in Puerto Rico, the United States, and the Virgin Islands. It has adapted to economic changes, including periods of significant growth and financial challenges.
Core Business Areas
- Puerto Rico Banking: Provides a range of financial services to individuals, businesses, and government entities in Puerto Rico. Includes deposit accounts, loans, mortgages, and other banking products.
- United States Banking: Offers similar banking services in the United States, primarily focused on serving the Hispanic community and small to medium-sized businesses.
- Wealth Management: Provides wealth management services, including investment advisory, brokerage, and trust services, to high-net-worth individuals and institutions.
Leadership and Structure
Ignacio Alvarez is the current President and CEO. The organizational structure includes various business segments led by senior executives, reporting to the CEO. A Board of Directors oversees the company's strategy and governance.
Top Products and Market Share
Key Offerings
- Personal Banking Accounts: Includes checking, savings, and money market accounts. Popular, Inc. holds a significant market share in Puerto Rico, estimated at around 30-35%. Competitors include First BanCorp and Oriental Bank. Revenue from these accounts is generated through fees and interest income.
- Commercial Lending: Offers loans and lines of credit to businesses of all sizes. Competitors include Banco Santander and other regional banks. Market share is estimated at 20-25% in Puerto Rico. Generates revenue through interest income and fees.
- Mortgage Lending: Provides mortgage loans for residential properties. Competitors include other banks and mortgage companies. Revenue is generated through interest income and fees.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. It's influenced by interest rates, economic conditions, and technological advancements. The sector is increasingly focusing on digital banking solutions.
Positioning
Popular, Inc. is a leading financial institution in Puerto Rico and has a growing presence in the US Hispanic market. Its competitive advantages include its strong brand recognition, extensive branch network in Puerto Rico, and focus on customer service.
Total Addressable Market (TAM)
The TAM for banking in Puerto Rico and the US Hispanic market is estimated at $100 billion annually. Popular Inc. is positioned to capture a significant portion of this market through its diverse product offerings and strategic focus. However, the fluctuating Puerto Rico economy can affect the TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Puerto Rico
- Extensive branch network in Puerto Rico
- Focus on customer service
- Growing presence in the US Hispanic market
- Solid capital base
Weaknesses
- High concentration of operations in Puerto Rico
- Vulnerability to Puerto Rico's economic conditions
- Exposure to potential regulatory changes
- Dependence on interest rate margins
Opportunities
- Expansion in the US Hispanic market
- Growth in digital banking services
- Increased demand for wealth management services
- Strategic acquisitions to expand market share
Threats
- Economic downturn in Puerto Rico
- Increased competition from other banks and fintech companies
- Rising interest rates
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- FBP
- OFG
- UBS
Competitive Landscape
Popular, Inc. benefits from its strong brand recognition and extensive branch network in Puerto Rico. Competitors are focusing on digital banking and expanding their presence in the US market. Popular, Inc. is facing increasing competition from fintech companies.
Major Acquisitions
Reliant Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 135
- Strategic Rationale: Expanded Popularu2019s presence in the Florida market.
Growth Trajectory and Initiatives
Historical Growth: Popular, Inc. has experienced moderate growth over the past few years, driven by expansion in the US market and growth in its core banking business.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in the US market and increasing demand for digital banking services. Revenue is expected to grow by 5-7% annually over the next few years.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in technology, and focusing on customer experience.
Summary
Popular, Inc. is a strong financial institution with a leading position in Puerto Rico. It is experiencing growth in the US market and is investing in digital banking. However, it is vulnerable to Puerto Rico's economic conditions and faces increasing competition. The current economy may be slowing down growth and the company needs to watch out for that.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. 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 | President, CEO, Corporate Secretary & Director Mr. Javier D. Ferrer-Fernández J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9303 | Website https://www.popular.com |
Full time employees 9303 | 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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