Popular (BPOP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Popular

NasdaqGS•Financial Services•Banks - Regional

$171.32-0.01(<0.01%)Market closed

Market Cap

$10.35B

P/E

10.7x

P/S

2.3x

P/B

1.6x

Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking services for individuals and businesses in Puerto Rico, the United States, the British Virgin Islands, the Caribbean, and Latin America. The company offers savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; checking accounts; individual retirement accounts and educational contribution accounts; business accounts; investment accounts; private management accounts; and certificates of deposit. It also provides commercial and industrial, commercial real estate, commercial multi-family, and residential mortgage loans; consumer loans, including unsecured personal loans, home equity lines of credit, and other loans to individual borrowers; construction loans; lease financing comprising automobile loans and leases; renewable energy and marine loans; and startup program and healthcare hub financing. In addition, the company offers auto and equipment leasing and financing; broker-dealer; international and private banking; insurance services, such as travel, property, auto and boat, health, life, and title; debit and credit cards; family of funds and Keogh plans; mobile easy deposit, foreign exchange, and fiduciary services; retirement plans; wire transfers; coordination of auto, aircraft, and helicopter loans; financial planning; investment advice; ATM; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability25/25

Growth19/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.7x5y range 3.7x – 13.6x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.1x – 2.4x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.9x – 1.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $10.35B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.53B
Q. Revenue: $1.16B
TTM EBITDA: $1.14B
TTM Op. Income: $1.14B
Q. Op. Income: $323.96M
TTM Net Income: $969.11M
Q. Net Income: $278.21M
EPS: $4.35
Shares Out.: $63.88M

$4.53B in TTM revenue grew 3.8% YoY, reaching $1.16B last quarter. TTM EBITDA of $1.14B and TTM operating income of $1.14B show growth is flowing through to the bottom line. TTM net income of $969.11M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 75.2%
EBITDA Margin: 27.9%
Op. Margin: 27.9%
Net Margin: 23.9%

Op. margin of 27.9% is up 4.7% YoY — cost efficiency is improving. Net margin at 23.9% and gross margin of 75.2% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.7x
P/S Ratio: 2.3x
P/B Ratio: 1.6x

At 10.7x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 3% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $78.97B
Cash: $374.99M
Long-Term Debt: $710.31M
Book Value: $6.43B
D/E Ratio: 0.1
Debt/EBITDA: 2.2

With $78.97B in assets and $710.31M in long-term debt, D/E is 0.1and book value is $6.43B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $347.15M
TTM Free Cash Flow: $807.17M
FCF Margin: 17.8%
FCF / Net Income: 0.8

TTM FCF of $807.17M on $347.15M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.