Popular, Inc. (BPOP) AI Stock Analysis

Popular, Inc. operates as a regional financial institution serving markets in Puerto Rico, the United States, and the British Virgin Islands through a network of branches and ATMs. Its retail banking operations provide deposit products including savings accounts, NOW accounts, money market accounts, and certificates of deposit. The company's lending activities cover commercial and industrial loans, commercial real estate financing, residential mortgages, consumer personal loans, credit cards, and auto lease financing. Additionally, Popular, Inc. provides investment banking, broker-dealer services, insurance products, equipment leasing, and digital banking platforms featuring online services and debit cards.

Popular, Inc. expanded annual revenue from $2.64B in FY2021 to $4.43B in FY2025, reflecting a 5-year revenue CAGR of 12.2%. Annual revenue growth moderated to 5.7% in FY2025, compared to 11.5% in FY2024 and 16.1% in FY2023. Operating margin improved to 22.7% in FY2025 from 19.0% in FY2024, while net margin reached 18.8% alongside net income of $833.2M. Over the trailing twelve months, revenue stood at $3.06B with an operating margin of 41.0% and EPS of $14.79. In the latest quarter ended June 30, 2026, revenue increased 7.6% year-over-year, while quarterly earnings grew 40.9%.

As of June 30, 2026, Popular, Inc. held $25.08B in cash and short-term investments against $1.60B in total debt, yielding net cash of $23.48B. Total assets stood at $78.97B and shareholders' equity was $6.43B, resulting in a debt-to-equity ratio of 0.25 and a current ratio of 0.49. In FY2025, operating cash flow was $878.4M and free cash flow reached $681.0M. Cash utilization in FY2025 included $197.5M for capital expenditures, $504.7M for share buybacks, and $197.6M for dividends paid, contributing to a 19.8% reduction in share count over 5 years.

Popular, Inc. trades at a trailing P/E of 10.7x and a forward P/E of 9.7x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. The company carries a price-to-sales multiple of 3.3x versus the peer median of 3.2x, along with a price-to-book ratio of 1.6x. Over the past year, the stock returned 43.3%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year span, the stock gained 131.4% compared to an 83.0% return for the benchmark index.

Popular, Inc. pays a forward annual dividend of $3.60 per share, delivering a dividend yield of 2.27% on a quarterly schedule. The payout ratio stands at 21.5%, supported by 12 consecutive years of dividend payments. Over the past five years, the dividend has grown at an annualized rate of 12.6%, with the last ex-dividend date occurring on September 10, 2026.

Consensus coverage shows a favorable stance with 6 Strong Buy and 4 Buy ratings, and 0 Hold or Sell recommendations. The mean price target of $195.20 implies 22.9% upside compared to the last close of $158.89. For the fiscal year ending December 31, 2026, analysts estimate EPS of $15.75 on revenue of $3.46B, representing 29.3% EPS growth. Popular, Inc. beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of Popular, Inc. (BPOP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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