Popular Inc (BPOP) Stock Analysis
Market Closed
Sector: Financial Services · Industry: State Commercial Banks
Price History
5-Year Weekly Candlestick Chart
Profile
growth, financial health and valuation lag behind.
How is each axis scored?
- Valuation35/100 · Weak
- P/E vs own history (74th pct)5/25
- FCF yield (6.9%)20/25
- P/S (25.1x)0/25
- EV/EBIT (n/a)10/25
- Growth18/100 · Weak
- Revenue CAGR (-37.8%)0/25
- Net income CAGR (-2.8%)0/25
- EPS CAGR 5Y (1.8%)6/25
- Fwd implied growth (11.5%)12/25
- Profitability62/100 · Moderate
- ROIC (n/a)0/25
- ROE (14.3%)12/25
- Net margin (218.1%)25/25
- Operating margin (40.3%)25/25
- Financial Health28/100 · Weak
- Altman Z (0.19)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (n/a)0/25
- Quality50/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.45)20/25
- FCF conversion (79%)15/25
- Margin stability (n/a)0/25
About Popular Inc
Popular Inc, based in Puerto Rico, is a financial holding company with four main subsidiaries: Banco Popular de Puerto Rico, a bank in Puerto Rico in terms of assets; Banco Popular North America, its banking operation in the continental United States; Evertec, a data processor; and Popular Financial Holdings, a diversified financial services company. Show more
The Corporation's reportable segments consist of Banco Popular de Puerto Rico and Popular U.S.
Headquarters: HATO REY, PR · Employees: 9,427 · Website ↗
Analyst Consensus
Strong BuyWall Street consensus estimates — not a PMP forecast · Updated Sep 21, 2026
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-08-26-600 sh2026-08-24
- SellOpen market sale · filed 2026-08-11-35000 sh2026-08-10
- SellOpen market sale · filed 2026-08-11-3000 sh2026-08-10
- SellOpen market sale · filed 2026-08-06-8500 sh2026-08-04
- SellOpen market sale · filed 2026-07-31-3385 sh2026-07-30
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
35DP/E (TTM)11.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.6x–18.4x · 74th pct
P/FCF12.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.9%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: 5.2%–26.9% · 29th pct
P/S (TTM)25.09xD
Grade D: Exp.Price / TTM Revenue (own statements) — vs own 5Y history: 1.2x–28.0x · 93rd pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.65xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.83A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.91%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio23.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
62BROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE14.3%C
Grade C: AvgReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin218.1%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin173.1%A
Grade A: HighFCF / Revenue
True FCF Margin173.1%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
28EAltman Z-Score0.19D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.21xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
18ERevenue CAGR-37.8%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-2.8%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)1.8%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Forward Growth11.5%B
Grade B: LowImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-22.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Quality
50CPiotroski F-Score6/9C
Grade C: AvgFinancial strength 0–9. >7 Strong
Beneish M-Score-2.45A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion79.4%C
Grade C: AvgFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue44.2%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Per Share
EPS (TTM)$13.87
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.53
Cash & short-term investments per share (Finnhub)
Book Value / Share$95.09
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$6.30B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$10.37B
Current Market Capitalization
Beta0.66B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Aj keď BPOP generuje solídny 6,9 % FCF výnos pri nulovom čistom dlhu, kritické Altmanovo skóre 0,19 a slabé finančné zdravie robia z tejto investície neprimerané riziko.
Company is effectively debt-free after netting cash. · Current P/E of 11.7x sits at the 74th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 22, 2026
Key Insights: Popular Inc (BPOP)
Composite verdict for Popular Inc: Aj keď BPOP generuje solídny 6,9 % FCF výnos pri nulovom čistom dlhu, kritické Altmanovo skóre 0,19 a slabé finančné zdravie robia z tejto investície neprimerané riziko.. Piotroski F-Score of 6/9 indicates mixed fundamentals for Popular Inc. Altman Z-Score of 0.19 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.45 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -38%), which weighs on the growth outlook.
- Popular Inc converts about 173% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
See how BPOP ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for BPOP in the last 30 days.
See BPOP move history →Frequently Asked Questions about BPOP
Is BPOP stock a buy right now?
PreMarketPrice's quantitative model rates Popular Inc's financial health at 28/100 — Aj keď BPOP generuje solídny 6,9 % FCF výnos pri nulovom čistom dlhu, kritické Altmanovo skóre 0,19 a slabé finančné zdravie robia z tejto investície neprimerané riziko.. This is a data-driven snapshot of fundamentals, not investment advice.
Is BPOP stock overvalued?
Popular Inc trades at a trailing P/E of 11.7 and our valuation score rates it 35/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Popular Inc report earnings?
No confirmed earnings date is currently scheduled for BPOP. The Earnings section lists recent reports and updates as dates are announced.
What sector does Popular Inc operate in?
Popular Inc operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Popular Inc do?
Popular Inc, based in Puerto Rico, is a financial holding company with four main subsidiaries: Banco Popular de Puerto Rico, a bank in Puerto Rico in terms of assets; Banco Popular North America, its banking operation in the continental United States; Evertec, a data processor; and Popular Financial Holdings, a diversified financial services company.
About Popular Inc (BPOP) Stock
Popular Inc (BPOP) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. Real-time pricing data for Popular Inc is available on this page with a market capitalization of $10.4 billion. The financial health score for BPOP is 28/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BPOP stock.
BPOP Stock Analysis & Key Metrics
On PreMarketPrice, you can track Popular Inc (BPOP) across multiple dimensions:
- Pre-market price & movement: Real-time BPOP stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BPOP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Popular Inc across multiple reporting periods.
- Financial health score: A composite score of 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BPOP.
- Sector peers: Compare BPOP against 10 other financial services stocks on key financial metrics.
Is BPOP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Popular Inc (BPOP) as an investment. The financial health score of 28/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Popular Inc (BPOP) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.