BPOP
POPULAR, INC.
Next earnings Jul 21, 2026 · consensus $3.78 EPS, $799M rev
Last earnings +0.7% on 2026-04-23
$167.26
▲ +1.46%$167.26▲ +54.90%
over 1Y
L $107.38H $167.26
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.5%
1W+0.0%
1M+10.7%
3M+22.9%
YTD+34.2%
1Y+54.9%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 15 analysts
Buy
Dominant Puerto Rico bank, cheap at 12.9x with 13.3% ROE and EPS +43.7% — but 80% revenue concentration in PR is the key risk.
Net income $833M · FY2025
The read
Quality fundamentals and an attractive price line up (~179% below fair value) — the rarer case where both the business and the entry look good.
Popular is the leading bank in Puerto Rico, and FY2025 was a strong year: net income rose 35.6% to $833M, diluted EPS jumped 43.7% to $12.30 (helped by a 6.5% reduction in share count), and equity grew 11.3% to $6.25B with retained earnings up 13.9%. Return on equity reached 13.3% — solid for a regional bank — and operating cash flow grew 30.2% to $878M. The earnings recovery from the FY2023 trough ($541M) reflects an improving Puerto Rico economy, which emerged from federal bankruptcy in 2022 and has been buoyed by federal stimulus, disaster relief and reconstruction funding.
Management is returning capital aggressively: shares outstanding fell 6.5% on buybacks and dividends rose 9.5% to $198M, both supported by the strengthening capital position. At $159.24 the stock trades at just 12.9x earnings — a clear value multiple for a bank compounding book value and growing EPS at this pace.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:50 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $935M | $1.10B | $541M | $614M | $833M |
| Diluted EPS | $11.46 | $14.63 | $7.52 | $8.56 | $12.30 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.9
PEG (trailing)0.38
Earnings yield7.7%
FCF yield6.3%
Quality & risk
ROIC (est.)—
Free cash flow$681M
Total debt—
Net cash$413M
Piotroski F-Score6/6
Capital returns
Buyback yield2.0%
Dividend yield (est.)1.8%
Shareholder yield3.8%
Shares Δ YoY-6.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-07-012026-07-02open ↗4Period ending 2026-07-012026-07-02open ↗4Period ending 2026-07-012026-07-02open ↗4Period ending 2026-07-012026-07-02open ↗4Period ending 2026-06-302026-07-02open ↗11-KPeriod ending 2025-12-312026-06-26open ↗11-KPeriod ending 2025-12-312026-06-26open ↗8-KPeriod ending 2026-06-092026-06-09open ↗4Period ending 2026-05-222026-05-26open ↗144Filing2026-05-22open ↗4Period ending 2026-05-082026-05-12open ↗4Period ending 2026-05-082026-05-11open ↗
Frequently asked
- Is POPULAR, INC. (BPOP) a buy?
- BPOP currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Dominant Puerto Rico bank, cheap at 12.9x with 13.3% ROE and EPS +43.7% — but 80% revenue concentration in PR is the key risk.
- What is BPOP's fair value?
- A Modified-Graham model based on BPOP's SEC fundamentals estimates a fair value of about $467.40. It is an estimate from reported earnings, not a price target.
- Is BPOP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, BPOP currently appears undervalued relative to its SEC-grounded earnings power.
- What is POPULAR, INC.'s quality score?
- BPOP scores 80.88126670366682/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000763901, latest 10-Q filed 2026-05-08) · EODHD · Proprietary analysis · as of 6/21/2026, 8:50:26 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.