Stock Analysis
Popular IncBPOP
P/E 10.46×· 5Y range 3.64–18.43×· 62th percentile of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy16 analystsP/E 10.5× sits at the 62nd percentile of its 5.065023956194388-year history.
Cash covers 22% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Profitability70
- Quality62
Risks
- Growth18
- Financial Health48
Mixed picture — no clear quality or value edge.
Bull Case
- ✓ROE 15.1% — efficient capital deployment
What's happening with BPOP
Profile
growth, valuation, moat and financial health lag behind.
How is each axis scored?
- Valuation40/100 · Weak
- P/E vs own history (62th pct)5/25
- FCF yield (8.0%)20/25
- P/S (19.7x)5/25
- 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 (11.4%)12/25
- Profitability70/100 · Moderate
- ROIC (n/a)0/25
- ROE (15.1%)20/25
- Net margin (188.8%)25/25
- Operating margin (28.2%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.10)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 2%)20/25
- Quality62/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.51)25/25
- FCF conversion (83%)22/25
- Margin stability (n/a)0/25
- Moat43/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 5.0%)18/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Revenue shrinking 37.8%/yr
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
40D+P/E (TTM)10.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.6x–18.4x · 62nd pct
P/FCF12.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 4.8%–26.9% · 46th pct
P/S (TTM)19.74xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 1.2x–26.3x · 69th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.57xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.66A
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 Yield1.99%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio20.4%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
70B+ROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.1%C
Grade C: AverageReturn 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 Margin188.8%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin157.3%A
Grade A: HighFCF / Revenue
True FCF Margin157.3%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
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
Implied EPS Growth11.4%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-23.2%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
Financial Health
48D+Altman Z-Score0.10D
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 Repayment1.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.25xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.22xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
62BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.51A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion83.3%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue38.0%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Chappuis Bertil E. Filed | Chappuis Bertil E. | Grant / award | +34 | |
Rodriguez Jose Ramon Filed | Rodriguez Jose Ramon | Grant / award | +99 | |
CARRADY ROBERT Filed | CARRADY ROBERT | Grant / award | +159 | |
DeVita Betty K Filed | DeVita Betty K | Grant / award | +59 | |
UNANUE CARLOS Filed | UNANUE CARLOS | Grant / award | +159 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
BALLESTER ALEJANDRO M Filed | BALLESTER ALEJANDRO M | Grant / award | +101 | |
Ferre Maria Luisa Filed | Ferre Maria Luisa | Grant / award | +105 | |
GOODWIN C KIM Filed | GOODWIN C KIM | Grant / award | +101 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor5.0%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$15.19
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$7.42
Cash & short-term investments per share (Finnhub)
Book Value / Share$100.73
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$1.61B
Total debt obligations (short + long term)
Cash & Equiv.$359.05M
Cash and short-term investments
Net Debt$1.25B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$6.43B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$10.13B
Current Market Capitalization
Beta0.66B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Popular Inc (BPOP)
BPOP is up 0.97% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Popular Inc. Altman Z-Score of 0.10 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.51 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -38%), which weighs on the growth outlook.
- Popular Inc converts about 157% of revenue into free cash flow — strong cash generation.
- Takes ~1.5 years to repay net debt from free cash flow.
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
What is the current Popular Inc (BPOP) stock price?
BPOP is trading at $158.89 at the last market close, up 0.97% on the session. PreMarketPrice tracks BPOP pre-market, intraday and after-hours prices.
Is BPOP stock a buy right now?
PreMarketPrice's quantitative model rates Popular Inc's financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BPOP stock overvalued?
Popular Inc trades at a trailing P/E of 10.5 and our valuation score rates it 40/100 (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. As of the latest update, Popular Inc is trading at $158.89, up 0.97% on the day with a market capitalization of $10.1 billion. The financial health score for BPOP is 48/100, which indicates moderate 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 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BPOP.
- Sector peers: Compare BPOP against 6 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 48/100 suggests moderate 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.