Popular, Inc. - Understand $bpop stock

$BPOP Market Cap: $7.118 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$2.753B

TTM

Gross Margin

Net Earnings

$529.9M

TTM

Current Assets

Current Liabilities

$55.36M

Q3 2024

Current Ratio

Total Assets

$71.32B

Q3 2024

Total Liabilities

$65.53B

Q3 2024

Book Value

$5.791B

Q3 2024

Cash

$435.7M

Q3 2024

P/E

13.43

Nov 29, 2024 EST

Free Cash Flow

$461.3M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$3.245B	$2.466B	$2.123B	$2.092B	$2.261B	$2.022B	$1.726B	$1.635B	$1.603B	$1.634B		$756.1M	$651.8M	$448.7M	$1.855B
YoY Change	31.61%	16.17%	1.49%	-7.49%	11.82%	17.14%	5.59%	1.97%	-1.87%			16.0%	45.25%	-75.81%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2012	2011	2010	2009
Revenue	$3.245B	$2.466B	$2.123B	$2.092B	$2.261B	$2.022B	$1.726B	$1.635B	$1.603B	$1.634B	$756.1M	$651.8M	$448.7M	$1.855B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$58.50M	$55.10M	$55.10M	$58.40M	$58.10M	$52.50M	$47.10M	$45.70M	$47.50M	$47.10M	$48.20M	$46.70M	$46.40M	$58.90M	$64.40M	$84.60M	$89.00M	$96.80M	$91.50M	$82.10M	$80.80M	$83.30M	$103.4M	$111.4M	$103.1M	$90.50M	$77.40M	$66.60M	$64.60M	$38.70M	$44.70M	$28.20M	$25.50M	$15.60M	$14.20M	$12.60M
YoY Change	6.17%	0.0%	-5.65%	0.52%	10.67%	11.46%	3.06%	-3.79%	0.85%	-2.28%	3.21%	0.65%	-21.22%	-8.54%	-23.88%	-4.94%	-8.06%	5.79%	11.45%	1.61%	-3.0%	-19.44%	-7.18%	8.05%	13.92%	16.93%	16.22%	3.1%	66.93%	-13.42%	58.51%	10.59%	63.46%	9.86%	12.7%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2011	2010	2009
Interest Expense	$1.114B	$298.6M	$165.0M	$234.9M	$369.1M	$287.0M	$224.0M	$212.5M	$194.0M	$688.5M	$505.5M	$653.4M	$753.7M
YoY Change	273.06%	80.89%	-29.75%	-36.35%	28.62%	28.12%	5.39%	9.53%	-71.82%		-22.63%	-13.32%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$675.5M	$1.235B	$1.244B	$618.6M	$818.3M	$737.7M	$338.5M	$294.3M	$398.8M	-$132.2M	$307.5M	$218.9M	$266.3M	$245.6M	-$562.2M	-$218.9M	$292.7M	$559.5M	$686.0M	$634.6M	$601.7M	$469.4M	$409.1M	$375.7M	$340.2M	$306.7M	$284.0M	$256.0M	$206.1M	$175.2M	$132.1M	$100.1M	$72.20M	$72.60M	$67.70M	$55.70M
YoY Change	-45.3%	-0.72%	101.1%	-24.41%	10.92%	117.94%	15.01%	-26.2%	-401.61%	-143.0%	40.49%	-17.8%	8.4%	-143.69%	156.85%	-174.79%	-47.69%	-18.44%	8.1%	5.47%	28.18%	14.74%	8.89%	10.44%	10.92%	7.99%	10.94%	24.21%	17.64%	32.63%	31.97%	38.64%	-0.55%	7.24%	21.54%
Income Tax	$134.2M	$132.3M	$309.0M	$111.9M	$147.2M	$119.6M	$230.8M	$78.78M	-$495.2M	$58.28M	-$251.3M	-$26.40M	$114.9M	$108.2M	-$8.302M	$461.5M	$90.20M	$139.7M	$148.9M	$144.7M	$130.3M	$117.3M	$105.3M	$100.8M	$85.10M	$74.70M	$74.50M	$70.90M	$59.80M	$50.00M	$28.20M	$14.30M	$6.800M	$9.200M	$11.40M	$8.300M
% Of Pretax Income	19.87%	10.72%	24.84%	18.1%	17.99%	16.21%	68.19%	26.77%	-124.16%		-81.73%	-12.06%	43.16%	44.06%			30.82%	24.97%	21.71%	22.8%	21.66%	24.99%	25.74%	26.83%	25.01%	24.36%	26.23%	27.7%	29.02%	28.54%	21.35%	14.29%	9.42%	12.67%	16.84%	14.9%
Net Earnings	$539.9M	$1.101B	$934.9M	$506.6M	$671.1M	$618.2M	$107.7M	$216.7M	$895.3M	-$313.5M	$599.3M	$245.3M	$151.3M	$137.4M	-$573.9M	-$1.244B	-$64.50M	$357.7M	$540.7M	$489.9M	$470.9M	$351.9M	$304.5M	$276.1M	$257.6M	$232.3M	$209.6M	$185.2M	$146.4M	$125.1M	$110.2M	$85.90M	$65.40M	$63.40M	$56.30M	$47.40M
YoY Change	-50.97%	17.79%	84.53%	-24.51%	8.57%	474.06%	-50.31%	-75.8%	-385.61%	-152.31%	144.35%	62.08%	10.13%	-123.94%	-53.86%	1828.53%	-118.03%	-33.85%	10.37%	4.03%	33.82%	15.57%	10.29%	7.18%	10.89%	10.83%	13.17%	26.5%	17.03%	13.52%	28.29%	31.35%	3.15%	12.61%	18.78%
Net Earnings / Revenue	16.64%	44.66%	44.04%	24.22%	29.69%	30.57%	6.24%	13.26%	55.85%	-19.19%		32.44%	23.22%	30.62%	-30.94%
Basic Earnings Per Share	$7.53	$14.65	$11.49	$5.88	$6.89	$6.07	$1.02	$2.06	$8.66	-$3.08	$5.80	$2.36	$1.44	-$0.06	$0.24
Diluted Earnings Per Share	$7.52	$14.63M	$11.46	$5.87	$6.88	$6.06	$1.02	$2.06	$8.65	-$3.08	$5.78	$2.35	$1.44	-$0.06	$0.24	-$44.27M	-$2.312M	$12.82M	$20.18M	$18.35M	$17.70M	$13.13M	$11.19M	$10.15M	$9.506M	$8.572M	$7.821M	$7.015M	$5.567M	$4.775M	$4.206M	$3.520M	$2.725M	$3.938M	$3.519M	$2.963M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$565.3M	$498.7M	$649.0M	$658.0M	$719.0M	$570.0M	$547.0M	$544.0M	$503.0M	$495.0M	$520.0M	$536.0M	$538.0M	$545.0M	$585.0M	$621.0M	$588.0M	$595.0M	$597.0M	$546.0M	$485.0M	$461.0M	$406.0M	$406.0M	$441.0M	$425.0M	$365.0M	$357.0M	$325.0M	$324.0M	$298.0M	$260.0M	$253.0M	$236.0M	$122.0M	$66.00M
YoY Change	13.35%	-23.16%	-1.37%	-8.48%	26.14%	4.2%	0.55%	8.15%	1.62%	-4.81%	-2.99%	-0.37%	-1.28%	-6.84%	-5.8%	5.61%	-1.18%	-0.34%	9.34%	12.58%	5.21%	13.55%	0.0%	-7.94%	3.76%	16.44%	2.24%	9.85%	0.31%	8.72%	14.62%	2.77%	7.2%	93.44%	84.85%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$236.5M	$210.0M	$299.0M	$250.0M	$237.0M	$228.0M	$215.0M	$218.0M	$213.0M	$226.0M	$197.0M	$247.0M	$313.0M	$299.0M	$100.0M	$92.00M	$90.00M
YoY Change	12.61%	-29.77%	19.6%	5.49%	3.95%	6.05%	-1.38%	2.35%	-5.75%	14.72%	-20.24%	-21.09%	4.68%	199.0%	8.7%	2.22%
Other Assets	$1.032B	$953.7M	$658.0M	$852.0M	$886.0M	$1.050B	$1.035B	$1.244B	$1.302B	$813.0M	$762.0M	$541.0M	$430.0M	$388.0M	$364.0M	$370.0M	$525.0M
YoY Change	8.26%	44.94%	-22.77%	-3.84%	-15.62%	1.45%	-16.8%	-4.45%	60.15%	6.69%	40.85%	25.81%	10.82%	6.59%	-1.62%	-29.52%
Total Long-Term Assets
YoY Change
Total Assets	$70.76B	$67.64B	$75.10B	$65.93B	$52.12B	$47.61B	$44.28B	$38.66B	$35.76B	$33.10B	$35.75B	$36.51B	$37.35B	$38.82B	$34.74B	$38.88B	$44.41B	$47.40B	$48.62B	$44.40B	$36.44B	$33.66B	$30.75B	$28.06B	$25.46B	$23.16B	$19.30B	$16.76B	$15.68B	$12.78B	$11.51B	$10.00B	$8.780B	$8.984B	$5.973B	$2.842B
YoY Change
Accounts Payable	$148.5M	$125.2M	$139.0M	$829.0M	$114.0M
YoY Change	18.58%	-9.92%	-83.23%	627.19%
Accrued Expenses	$464.6M	$474.6M	$463.0M	$388.0M	$438.0M
YoY Change	-2.09%	2.5%	19.33%	-11.42%
Deferred Revenue
YoY Change
Short-Term Debt	$91.38M	$513.6M	$167.0M	$121.0M	$193.0M	$282.0M	$392.0M	$481.0M	$763.0M	$1.273B	$1.660B	$2.653B	$2.142B	$2.477B	$2.640B	$3.557B	$6.297B	$9.567B	$10.93B	$8.948B	$7.332B	$7.888B	$7.579B	$8.059B	$6.409B	$5.299B	$3.669B	$2.943B	$3.271B	$2.012B	$1.616B	$872.0M	$593.0M	$575.0M	$506.0M	$9.000M
YoY Change	-82.21%	207.55%	38.02%	-37.31%	-31.56%	-28.06%	-18.5%	-36.96%	-40.06%	-23.31%	-37.43%	23.86%	-13.52%	-6.17%	-25.78%	-43.51%	-34.18%	-12.45%	22.13%	22.04%	-7.05%	4.08%	-5.96%	25.75%	20.95%	44.43%	24.67%	-10.03%	62.57%	24.5%	85.32%	47.05%	3.13%	13.64%	5522.22%
Long-Term Debt Due			$140.0M	$140.0M	$140.0M	$212.0M	$255.0M	$155.0M
YoY Change			0.0%	0.0%	-33.96%	-16.86%	64.52%
Total Short-Term Liabilities	$91.38M	$639.3M	$778.0M	$1.391B	$721.0M	$212.0M	$255.0M	$155.0M	$763.0M	$1.273B	$1.660B	$2.653B	$2.142B	$2.477B	$2.640B	$3.557B	$6.297B	$9.567B	$10.93B	$8.948B	$7.332B	$7.888B	$7.579B	$8.059B	$6.409B	$5.299B	$3.669B	$2.943B	$3.271B	$2.012B	$1.616B	$872.0M	$593.0M	$575.0M	$506.0M	$9.000M
YoY Change	-85.71%	-17.83%	-44.07%	92.93%	240.09%	-16.86%	64.52%	-79.69%	-40.06%	-23.31%	-37.43%	23.86%	-13.52%	-6.17%	-25.78%	-43.51%	-34.18%	-12.45%	22.13%	22.04%	-7.05%	4.08%	-5.96%	25.75%	20.95%	44.43%	24.67%	-10.03%	62.57%	24.5%	85.32%	47.05%	3.13%	13.64%	5522.22%
Long-Term Debt	$986.9M	$886.7M	$376.0M	$565.0M	$560.0M	$488.0M	$650.0M	$812.0M	$915.0M	$910.0M	$996.0M	$1.778B	$1.856B	$4.170B	$1.525B	$2.316B	$3.557B	$8.186B	$8.725B	$10.31B	$7.117B	$4.424B	$3.860B	$1.302B	$1.978B	$1.432B	$1.529B	$1.142B	$935.0M	$540.0M	$346.0M	$194.0M	$198.0M	$132.0M	$58.00M	$114.0M
YoY Change	11.3%	135.83%	-33.45%	0.89%	14.75%	-24.92%	-19.95%	-11.26%	0.55%	-8.63%	-43.98%	-4.2%	-55.49%	173.44%	-34.15%	-34.89%	-56.55%	-6.18%	-15.34%	44.81%	60.87%	14.61%	196.47%	-34.18%	38.13%	-6.34%	33.89%	22.14%	73.15%	56.07%	78.35%	-2.02%	50.0%	127.59%	-49.12%
Other Long-Term Liabilities	$914.6M	$916.9M	$311.0M	$412.0M	$444.0M	$922.0M	$1.696B	$912.0M	$1.021B	$1.017B	$767.0M	$966.0M	$1.194B	$1.305B	$984.0M	$1.121B	$934.0M	$811.0M	$1.240B	$821.0M	$633.0M	$822.0M	$660.0M	$621.0M	$587.0M	$588.0M	$507.0M	$314.0M	$264.0M	$211.0M	$182.0M	$133.0M	$138.0M	$250.0M	$97.00M	$11.00M
YoY Change	-0.25%	194.84%	-24.51%	-7.21%	-51.84%	-45.64%	85.96%	-10.68%	0.39%	32.59%	-20.6%	-19.1%	-8.51%	32.62%	-12.22%	20.02%	15.17%	-34.6%	51.04%	29.7%	-22.99%	24.55%	6.28%	5.79%	-0.17%	15.98%	61.46%	18.94%	25.12%	15.93%	36.84%	-3.62%	-44.8%	157.73%	781.82%
Total Long-Term Liabilities	$1.902B	$1.804B	$687.0M	$977.0M	$1.004B	$1.410B	$2.346B	$1.724B	$1.936B	$1.927B	$1.763B	$2.744B	$3.050B	$5.475B	$2.509B	$3.437B	$4.491B	$8.997B	$9.965B	$11.13B	$7.750B	$5.246B	$4.520B	$1.923B	$2.565B	$2.020B	$2.036B	$1.456B	$1.199B	$751.0M	$528.0M	$327.0M	$336.0M	$382.0M	$155.0M	$125.0M
YoY Change	5.43%	162.54%	-29.68%	-2.69%	-28.79%	-39.9%	36.08%	-10.95%	0.47%	9.3%	-35.75%	-10.03%	-44.29%	118.21%	-27.0%	-23.47%	-50.08%	-9.71%	-10.44%	43.57%	47.73%	16.06%	135.05%	-25.03%	26.98%	-0.79%	39.84%	21.43%	59.65%	42.23%	61.47%	-2.68%	-12.04%	146.45%	24.0%
Total Liabilities	$65.61B	$63.54B	$69.13B	$59.90B	$46.10B	$42.17B	$39.17B	$33.46B	$30.66B	$28.83B	$31.12B	$32.40B	$33.43B	$35.01B	$32.20B	$35.61B	$40.83B	$43.78B	$45.17B	$41.30B	$33.68B	$31.25B	$28.47B	$26.06B	$23.80B	$21.45B	$17.80B	$15.50B	$14.53B	$11.78B	$10.67B	$9.239B	$8.137B	$8.384B	$5.590B	$2.680B
YoY Change	3.25%	-8.08%	15.41%	29.93%	9.32%	7.65%	17.06%	9.16%	6.34%	-7.37%	-3.94%	-3.09%	-4.52%	8.75%	-9.59%	-12.77%	-6.75%	-3.08%	9.39%	22.62%	7.78%	9.75%	9.24%	9.51%	10.95%	20.53%	14.8%	6.66%	23.42%	10.39%	15.47%	13.54%	-2.95%	49.98%	108.58%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	71.71M shares	75.15M shares	81.26M shares	85.88M shares	96.85M shares	101.1M shares	102.0M shares	103.3M shares	103.0M shares	102.8M shares	102.7M shares	102.4M shares	102.2M shares	88.52M shares	408.2M shares
Diluted Shares Outstanding	71.79M shares	75.27M shares	81.42M shares	85.98M shares	97.00M shares	101.3M shares	102.0M shares	103.4M shares	103.1M shares	102.8M shares	103.1M shares	102.7M shares	102.3M shares	88.52M shares	408.2M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $7.1178 Billion

About POPULAR, INC.

Popular, Inc. operates as a holding company. The firm operates in two segments: Banco Popular de Puerto Rico (BPPR), which includes its Puerto Rico business, and Banco Popular North America (BPNA), which includes its the United States mainland business. The firm has operations in Puerto Rico, the United States and the Caribbean. The firm's BPPR segment provides retail, mortgage and commercial banking services through its banking subsidiary, Banco Popular de Puerto Rico, as well as auto and equipment leasing and financing, investment banking, broker-dealer and insurance services through specialized subsidiaries. The firm's BPNA segment consists of Popular North America, Inc. (PNA) functioning as the holding company for its operations in the United States. The company also operates PNA's subsidiary, E-LOAN, Inc. The banking operations of BPNA in the United States mainland are based in New York, Florida and New Jersey, conducted under the name of Popular Community Bank.

Industry: State Commercial Banks Peers: FIRST BANCORP /PR/ OFG BANCORP