BPOP Popular, Inc. - Fundamental Analysis
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BPOP Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$121.97
Analyst Target
$145.7
+19.5%
Upside
52W High
$131.1
52W Low
$78.23
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$8.24B
P/E
11.22
ROE
13.1%
Profit margin
27.0%
Debt/Equity
N/A
Dividend yield
2.37%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
BPOP's deterministic health score is concerning with a Piotroski F-Score of 4/9, indicating marginal financial stability. Despite strong profitability metrics and robust earnings growth, the lack of Altman Z-Score and missing key financial data (Debt/Equity, cash/debt levels) limits confidence in structural safety. The stock trades below analyst target and intrinsic value estimates but faces headwinds from bearish insider activity and weakening technical momentum. Solid dividend coverage and sector-leading earnings surprises provide offsetting positives.
Key Strengths
High profitability with operating margin of 36.11% and ROE of 13.05%, well above sector average
Strong year-over-year earnings growth of 45.5% and consistent quarterly beats (3 out of last 4)
Attractive valuation relative to peers with P/E of 11.22 vs sector average of 21.55
Healthy dividend payout ratio of 25.27% supports sustainable 2.37% yield
Significant upside potential with current price 16.3% below $145.70 analyst target
Key Risks
Low Piotroski F-Score of 4 suggests weak financial health and potential balance sheet inefficiencies
Missing Altman Z-Score and debt/equity data raises concerns about leverage and distress risk
Bearish insider sentiment with $5.19M in net officer/director sales over last 6 months
Technical trend score of 10/100 indicates strong near-term bearish momentum
Gross margin reported as 0.00%, atypical for a regional bank and potentially indicative of data anomaly or structural issue
AI Fair Value Estimate
Based on comprehensive analysis
$320.66
+162.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
71
Strong
85
80
70
45
75
AI Verdict
Moderately positive fundamentals offset by health and technical concerns
Key drivers: Strong earnings growth and valuation discount to intrinsic value, Low Piotroski score and missing Altman Z-Score constrain upside, Bearish insider activity and technical trend pressure sentiment
Confidence
75%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 11.22 is significantly below sector average of 21.55
- Trading below both Graham Number ($149.19) and Intrinsic Value ($320.66)
- Forward P/E of 9.05 suggests further earnings de-rating priced in
Watchpoints
No urgent risks highlighted.
Future
80/100
Ref Growth rates
Positives
- 45.5% YoY earnings growth indicates strong forward momentum
- Consistent Q/Q earnings growth and high surprise rates support outlook
Watchpoints
- Missing PEG ratio limits growth-adjusted valuation insight
Past
70/100
Ref Historical trends
Positives
- Long history of earnings beats with 15.66% average surprise over last 4 quarters
- 5-year price return of +138.1% outperforms most peers
Watchpoints
- Recent deceleration in 1M and 1W performance (-3.2%, -4.8%)
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROA of 1.06% and ROE of 13.05% indicate capital efficiency
Watchpoints
- Piotroski F-Score of 4/9 indicates marginal financial health
- Missing Altman Z-Score, Debt/Equity, and cash/debt figures limits risk assessment
Dividend
75/100
Ref Yield, Payout
Positives
- 2.37% dividend yield with low 25.27% payout ratio ensures sustainability
- Dividend strength score of 35/100 is low but supported by earnings coverage
Watchpoints
- Lack of 5-year average yield data limits trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$121.97
Analyst Target
$145.7
Upside/Downside
+19.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BPOP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BPOP
Popular, Inc.
Primary
|
+138.1% | +95.5% | +24.0% | +7.1% | -3.2% | -4.8% |
|
BOKF
BOK Financial Corporation
Peer
|
+89.8% | +43.0% | +22.1% | +26.9% | +8.8% | +3.0% |
|
AXS
AXIS Capital Holdings Limited
Peer
|
+139.7% | +87.3% | +17.7% | +5.2% | -6.3% | +2.1% |
|
AMG
Affiliated Managers Group, Inc.
Peer
|
+181.7% | +94.2% | +71.8% | +48.2% | +9.8% | -1.9% |
|
BMA
Banco Macro S.A.
Peer
|
+868.3% | +446.6% | -7.7% | +34.8% | +6.2% | +4.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.22
Forward P/E
9.05
PEG Ratio
N/A
P/B Ratio
1.34
P/S Ratio
2.87
EV/Revenue
1.52
EV/EBITDA
N/A
Market Cap
$8.24B
Profitability
Profit margins and return metrics
Profit Margin
27.01%
Operating Margin
36.11%
Gross Margin
N/A
ROE
13.05%
ROA
1.06%
Growth
Revenue and earnings growth rates
Revenue Growth
+11.6%
Earnings Growth
+45.5%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+36.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$77.78
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-27
$N/A
2025-10-23
$3.14
+8.1% surprise
2025-07-23
$3.09
+21.8% surprise
2025-04-23
$2.56
+17.2% surprise
Financial Services Sector Comparison
Comparing BPOP against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
11.22
This Stock
vs
30.37
Sector Avg
-63.0%
(Discount)
Return on Equity (ROE)
13.05%
This Stock
vs
-7.62%
Sector Avg
-271.3%
(Below Avg)
Profit Margin
27.01%
This Stock
vs
82.75%
Sector Avg
-67.4%
(Weaker)
Revenue Growth
11.6%
This Stock
vs
28.35%
Sector Avg
-59.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BPOP
Popular, Inc.
|
NEUTRAL | $8.24B | 11.22 | 13.1% | 27.0% | $121.97 | |
|
BOKF
BOK Financial Corporation
|
NEUTRAL | $8.36B | 14.41 | 10.1% | 26.6% | $132.12 | |
|
AXS
AXIS Capital Holdings Limited
|
NEUTRAL | $7.98B | 8.53 | 16.3% | 16.1% | $102.07 | |
|
AMG
Affiliated Managers Group, Inc.
|
BULLISH | $9.09B | 19.73 | 16.2% | 26.0% | $319.82 | |
|
BMA
Banco Macro S.A.
|
BEARISH | $6.81B | 38.35 | 5.5% | 8.6% | $96.63 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-24 | CARRION RICHARD LOUIS | Director | Sale | 25,000 | $2,837,500 |
| 2025-11-21 | RODRIGUEZ ADORNO DENISSA | Officer | Sale | 1,000 | $114,845 |
| 2025-09-02 | MONZON GILBERTO | Officer | Sale | 18,000 | $2,240,605 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
10 analysts
Citigroup
2025-12-30
Buy
Buy
UBS
2025-10-24
Neutral
Neutral
Wells Fargo
2025-10-24
Overweight
Overweight
Truist Securities
2025-10-09
Buy
Wells Fargo
2025-09-22
Overweight
Overweight
Past News Coverage
Recent headlines mentioning BPOP from our newsroom.
Newest → oldest
No matching news yet.