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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.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Popular, Inc. is a financial holding company offering retail and commercial banking and mortgage lending with a market-leading franchise in Puerto Rico and operations focused on Hispanic customers. Long-term drivers include the island's economic recovery, rising Hispanic banking demand and digital investments supporting loan and fee growth. Investors may find it attractive for a stable deposit base and diversified revenue mix.
Key risks include concentration in Puerto Rico with related economic, political and regulatory volatility, competitive pressure from larger banks and fintechs, and sensitivity to credit and interest-rate cycles.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1006.79M | 796.62M | 675.54M | 1234.97M | 1243.91M |
| Net income | 833.16M | 614.21M | 541.34M | 1102.64M | 934.89M |
| Selling general administrative | 1037.54M | 875.08M | 884.03M | 746.55M | 682.62M |
| Selling and marketing expenses | - | 101.93M | 94.93M | 88.92M | 72.98M |
| Gross profit | 2926.45M | 2541.58M | 2435.57M | 2937.28M | 2237.73M |
| Reconciled depreciation | 54.98M | 60.02M | 60.26M | 3.27M | 9.13M |
| Ebit | - | 796.62M | 675.54M | 1588.63M | 1243.91M |
| Ebitda | 1006.79M | 856.63M | 737.23M | 1591.90M | 1253.04M |
| Depreciation and amortization | - | 60.02M | 61.69M | 3.27M | 9.13M |
| Operating income | 1006.79M | 796.62M | 675.54M | 1588.63M | 1243.91M |
| Other operating expenses | 3421.63M | 3392.88M | 3082.42M | -1348.65M | -1310.72M |
| Interest expense | 1241.81M | 1390.97M | 1113.78M | 298.55M | 165.05M |
| Tax provision | 173.63M | 182.41M | 85.33M | 132.33M | 309.02M |
| Interest income | 3783.01M | 3673.26M | 3091.01M | 2465.91M | 2122.64M |
| Net interest income | 2541.20M | 2282.29M | 2156.91M | 2167.36M | 1957.59M |
| Income tax expense | 173.63M | 182.41M | 134.20M | 132.33M | 309.02M |
| Total revenue | 4428.42M | 4189.49M | 3757.96M | 2937.28M | 2554.63M |
| Total operating expenses | 1919.66M | 1744.96M | 1760.03M | -1348.65M | -1310.72M |
| Cost of revenue | 1501.97M | 1647.92M | 1322.39M | - | 316.90M |
| Total other income expense net | -13.00M | -253.24M | -116.79M | -353.66M | 1129.96M |
| Net income from continuing ops | 833.16M | 614.21M | 703.89M | 1102.64M | 934.89M |
| Net income applicable to common shares | - | - | - | 1101.23M | 933.48M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 75348.27M | 73045.38M | 70758.15M | 67637.92M | 75088.66M |
| Intangible assets | 5.08M | 114.93M | 127.87M | 141.29M | 134.90M |
| Other current assets | -0.24M | 147.91M | 8091.89M | 298.50M | 3555.00M |
| Total liab | 69099.19M | 67432.32M | 65611.20M | 63544.49M | 69119.26M |
| Total stockholder equity | 6249.08M | 5613.07M | 5146.95M | 4093.43M | 5969.40M |
| Other current liab | 66569.63M | 65218.49M | 46351.43M | -490.20M | -213.82M |
| Common stock | 1.05M | 1.05M | 1.05M | 1.05M | 1.05M |
| Capital stock | 23.19M | 23.19M | 23.19M | 23.19M | 23.19M |
| Retained earnings | 5206.50M | 4570.96M | 4194.85M | 3834.35M | 2973.74M |
| Other liab | - | - | - | 238.63M | 959.01M |
| Good will | 789.95M | 802.95M | 804.43M | 827.43M | 712.62M |
| Other assets | 69939.18M | -295.80M | - | 13615.24M | 3971.75M |
| Cash | 402.75M | 6800.59M | 7419.33M | 6084.10M | 17965.15M |
| Total current liabilities | 67999.78M | 66154.51M | 46704.01M | 490.20M | 213.82M |
| Current deferred revenue | - | - | 44.74M | - | - |
| Net debt | 1178.17M | -5489.01M | -6188.28M | -4832.39M | -16901.59M |
| Short term debt | 689.00M | 288.94M | 218.48M | 365.00M | 75.00M |
| Short long term debt | 650.00M | 225.00M | 0.00M | 365.00M | 75.00M |
| Short long term debt total | 1580.92M | 1311.57M | 1231.06M | 1251.71M | 1063.56M |
| Other stockholder equity | 2201.48M | -2228.53M | 2824.44M | -2030.18M | -1352.65M |
| Property plant equipment | - | - | - | 587.84M | 492.23M |
| Total current assets | 439.32M | 25459.72M | 8091.89M | 25784.34M | 44517.84M |
| Long term investments | 28384.81M | 26433.31M | 25279.47M | 26546.41M | 25259.32M |
| Net tangible assets | - | - | - | 3230.91M | 5221.31M |
| Short term investments | 36.57M | 18215.42M | 16656.22M | 17804.37M | 24968.27M |
| Net receivables | 0.24M | 295.80M | 492.18M | 1825.93M | 1584.41M |
| Long term debt | 759.58M | 896.29M | 986.95M | 886.71M | 988.56M |
| Inventory | - | - | -71.72M | 89.13M | 145.88M |
| Accounts payable | 741.15M | 647.08M | 89.37M | 125.20M | 138.82M |
| Accumulated other comprehensive income | -1182.09M | 3247.45M | -1895.53M | 2266.07M | 4325.11M |
| Common stock total equity | - | - | - | 1.05M | 1.05M |
| Preferred stock total equity | - | - | - | 22.14M | 22.14M |
| Retained earnings total equity | - | - | - | 3834.35M | 2973.74M |
| Treasury stock | - | - | - | -2030.18M | -1352.65M |
| Non currrent assets other | 1813.56M | 449.02M | 52609.84M | 224.50M | -26599.07M |
| Non current assets total | 74908.94M | 47585.67M | 62666.26M | 28238.33M | 26599.07M |
| Capital lease obligations | 132.35M | 126.34M | 152.72M | 162.03M | 173.83M |
| Long term debt total | - | - | - | 886.71M | 988.56M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 807.64M | -1632.47M | -282.15M | -4300.22M | -4954.84M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1759.44M | -1632.47M | -2613.41M | 5350.20M | -10518.65M |
| Net borrowings | 282.96M | 129.08M | -271.92M | 243.86M | -192.41M |
| Total cash from financing activities | 864.58M | 959.58M | 1878.21M | -6323.09M | 9450.91M |
| Change to operating activities | - | - | - | 59.09M | 35.99M |
| Net income | 833.16M | 614.21M | 541.34M | 1102.64M | 934.89M |
| Change in cash | -16.42M | 1.83M | -48.58M | 41.65M | -62.58M |
| Begin period cash flow | 429.41M | 427.57M | 476.16M | 434.51M | 497.09M |
| End period cash flow | 412.99M | 429.41M | 427.57M | 476.16M | 434.51M |
| Total cash from operating activities | 878.45M | 674.72M | 686.61M | 1014.54M | 1005.16M |
| Issuance of capital stock | 7.12M | 6.86M | 6.27M | 5.84M | 4.67M |
| Depreciation | 54.98M | 60.02M | 61.69M | 58.38M | 64.24M |
| Other cashflows from investing activities | -2369.63M | -2144.43M | -2992.75M | 9754.21M | -5491.03M |
| Dividends paid | 197.57M | 180.46M | 159.86M | -161.52M | -141.47M |
| Change to inventory | - | - | 23.24M | - | 43.72M |
| Change to account receivables | -37.40M | 0.22M | -23.24M | - | 6.19M |
| Sale purchase of stock | -504.72M | -213.92M | -0.46M | -631.89M | -350.54M |
| Other cashflows from financing activities | 1276.79M | 1218.03M | 2304.14M | -5429.03M | 10178.80M |
| Change to netincome | - | - | - | -88.10M | 70.27M |
| Capital expenditures | 197.46M | 213.41M | 208.04M | 103.79M | 73.69M |
| Cash and cash equivalents changes | - | - | - | 41.65M | -62.58M |
| Change in working capital | -20.38M | 8.60M | 17.62M | 349.46M | 783.65M |
| Stock based compensation | 26.94M | 19.68M | 16.77M | 16.73M | 17.77M |
| Other non cash items | -22.63M | -51.49M | 92.33M | -479.54M | -1024.76M |
| Free cash flow | 680.99M | 461.31M | 478.57M | 910.75M | 931.47M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BPOP Popular Inc |
-1.22 0.76% |
159.19 | 12.03 | 10.58 | 3.29 | 1.54 | 3.67 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
209 Muñoz Rivera Avenue, Hato Rey, PR, United States, 00918
787 765 9800
9238
| Name | Title | Year Born |
|---|---|---|
| Mr. Ignacio Alvarez Esq. | Pres, CEO & Director | 1958 |
| Mr. Carlos J. Vazquez | Exec. VP & CFO of Corp. Fin. Group | 1959 |
| Mr. Javier D. Ferrer-Fernández J.D. | Exec. VP, COO, Head of Bus. Strategy & Corp. Sec. | 1961 |
| Mr. Lidio V. Soriano CPA | Exec. VP & Chief Risk Officer of Corp. Risk Management Group | 1969 |
| Mr. Manuel A. Chinea | Exec. VP | 1966 |
| Mr. Jorge Jose García | Principal Accounting Officer, Sr. VP & Comptroller | NA |
| Ms. Camille Burckhart | Exec. VP and Chief Information & Digital Strategy Officer of Innovation, Technology & Ops. Group | 1980 |
| Mr. Eduardo J. Negron | Exec. VP & Chief Admin. Officer - Admin. Group | 1965 |
| Mr. Paul J. Cardillo | Investor Relations Officer | NA |
| Mr. Jose R. Coleman-Tio Esq. | Exec. VP, Chief Legal Officer & Gen. Counsel | 1981 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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