Company Analysis

Popular, Inc. (BPOP)

Nasdaq: BPOP · State Commercial Banks · Hato Rey, PR · filing with the SEC since 1994
Grade5.9
◀ Past 6.9● Present 5.9▶ Future 4.1

The grade of Popular, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.9/10
◀ Past6.940% of the headline
● Present5.935% of the headline
▶ Future4.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

Popular, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.5/10

What has it actually done, year after year?

+9.8% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 45th percentile among 152 sector filers · read for its customers

From the record

Popular, Inc.'s 10 filed years say what it did: revenue went from $1.6 billion in fiscal 2016 to $3.8 billion in fiscal 2025, up 9.8% a year; it rose in 8 of 9 years; the deepest fall was 7% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span9.8%bottom 23% of its family
  • the share of years revenue rosetop 39% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak7.5%bottom 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
7.3/10

How has it treated the people who own it?

Share count shrank 3.5% a year. 34% of cash flow returned. Insiders: 13 sales, 0 purchases.

weight 33% of this tense · 73rd percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Popular, Inc.'s diluted share count shrank about 3.5% a year, and dividends and buybacks returned about 34% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 13 sales and 0 purchases of their own stock on the open market in the year to 2026-10-05 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 5% of its family
  • cash returned against operating cash flowtop 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.9/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.7/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.

weight 45% of this tense · 67th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Popular, Inc. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 5.6% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 14% of its family
  • return on equitytop 13% of its family
  • the share count against the year beforetop 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.0/10

How strong is its position in its industry?

top 40% of 155 in its family; net margin 22%.

weight 33% of this tense · 60th percentile among 155 sector filers · read for its customers

From the record

Popular, Inc.'s standing among 155 graded names in its industry family: revenue of $3.8 billion in fiscal 2025 ranks in the top 8% by size; a net margin of 22% ranks in the top 46%; revenue growth of 15.3% a year over the last 3 filed years ranks in the bottom 35% (its annual reports).

What it rests on

  • revenue against the family$3.78Btop 8% of its family
  • net margin22.0%top 46% of its family
  • three-year revenue growth15.3%bottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.3/10

What are the people in charge doing?

bottom 43% of 150 in its family for leadership; chief executive since 2026.

weight 22% of this tense · 43rd percentile among 150 sector filers · read for its shareholders

From the record

Popular, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Ferrer, Javier D. (PRESIDENT & CEO, as filed), filing under that title since 2026-02-02, 9 months (bottom 7% of its family); the 27 officers and directors filing in the last fifteen months have been on the record a median of 9.4 years (top 23%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 27 people in charge now (bottom 46%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 27 peoplebottom 46% of its family
  • the median years the people in charge have filed9.4 yearstop 23% of its family
  • the chief executive's years on the record10 monthsbottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
1.9/10

How much room does it have to grow?

bottom 19% of 142 in its family for room to expand.

weight 33% of this tense · 19th percentile among 142 sector filers · read for itself

From the record

Popular, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $413 million against no long-term debt tagged leaves 0.5% of its assets as net cash, bottom 13% of its family; cash from operations less capital spending is 18% of revenue (bottom 25%) (its annual report).

What it rests on

  • cash less debt against assets0.5%bottom 13% of its family
  • cash from operations less capital spending against revenue18.0%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.9/10

What could actually drive growth from here?

top 41% of 152 in its family for growth drivers.

weight 33% of this tense · 59th percentile among 152 sector filers · read for its customers

From the record

Popular, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 15.3% a year over the last three filed years against 9.8% over all 10, speeding up (top 34% of its family); the newest year grew 3% (bottom 42%); capital spending grew 23.9% a year (top 32%) (its annual reports). Popular, Inc. reported 2 lines of business in fiscal 2025: Banco Popular De Puerto Rico at $469 million, Bpna at $21 million. 2 of 2 grew in the latest filed year, and the largest line is 96% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+5.6 points a yeartop 34% of its family
  • the newest year's revenue growth3.0%bottom 42% of its family
  • three-year growth of capital spending23.9%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.6/10

Did its newest year beat what its own record pointed to?

bottom 46% of 150 in its family for expectations against reality.

weight 33% of this tense · 46th percentile among 150 sector filers · read for its shareholders

From the record

Popular, Inc.'s newest year against its own record: revenue of $3.8 billion in fiscal 2025 came in 15.6% below the $4.5 billion its prior three years' pace pointed to (bottom 50% of its family); net income of $833 million against a prior three-year average of $753 million (bottom 44%); a net margin of 22% against 26% before (bottom 44%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-15.6%top 50% of its family
  • net income against the prior three years' average+11%bottom 44% of its family
  • net margin against its prior average-4.0 pointsbottom 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BPOP · research, not advice