Popular, Inc. (BPOP) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
Popular, Inc. (BPOP) posted $3.05B in revenue for fiscal 2025 (up 8.9% year over year), at a 27.3% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Popular, Inc.
Popular, Inc. has grown revenue from $0 to $3.05B over the last 10 fiscal years. The most recent year was up 8.9%.
Net margin sits at 27.3%, up 5.4 points year over year. It carries about $1.41B of total debt.
At today's valuation the market is pricing in roughly 3.6% annual free-cash-flow growth — versus the 1.9% it actually delivered over the last five years, broadly in line with what it has delivered. The one thing worth a second look in the filings is net margin shrinking.
Synthesised from Popular, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Popular, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $2.94B | $2.64B | $2.80B | $3.05B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $216.69M | $107.68M | $618.16M | $671.13M | $506.62M | $934.89M | $1.10B | $541.34M | $614.21M | $833.16M |
| Net margin | — | — | — | — | — | — | 37.5% | 20.5% | 21.9% | 27.3% |
Source: Popular, Inc. SEC filings (10-K). 18 years of history available in the interactive view.
Popular, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Net margin shrinkingNet margin fell from 37.5% to 27.3% over ~3 years — profitability is compressing.
What growth is priced into BPOP stock?
At today's market cap of $10.10B, Popular, Inc. is priced for free-cash-flow growth of about 3.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $680.99M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 1.9%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 18 years of Popular, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Popular, Inc. financial history by metric
About Popular, Inc.
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.
Popular, Inc. — frequently asked questions
What is Popular, Inc.'s revenue?
Popular, Inc. (BPOP) reported revenue of $3.05B for fiscal year 2025, up 8.9% from the prior year, according to its SEC filings.
Is Popular, Inc. profitable?
Yes. BPOP earned net income of $833.16M in fiscal 2025, a net margin of 27.3%.
What is BPOP's P/E ratio?
Popular, Inc. trades at a price-to-earnings ratio of about 11.6 based on the latest data in our nightly-refreshed cache.
How much debt does Popular, Inc. have?
As of fiscal year 2025, BPOP carried roughly $1.41B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Popular, Inc.'s market cap?
Popular, Inc. (BPOP) has a market capitalization of about $10.10B, based on the latest data in our nightly-refreshed cache.
When does Popular, Inc.'s fiscal year end?
BPOP's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into BPOP stock?
At today's market cap of $10.10B, Popular, Inc. is priced for free-cash-flow growth of about 3.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $680.99M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 1.9%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Popular, Inc.'s official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.