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Popular, Inc. BPOP

Popular, Inc. scores average on business quality (5.8 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$156.29Oct 10, 2026
Business qualityAverage
Next earningsOct 22, 2026
Insiders, 90 daysSelling

Why it matters

  1. What Popular, Inc. does

    Popular Inc operates as a bank holding company, generating revenue primarily through interest income, retail and commercial banking services, and financial products provided to individuals and businesses mainly in Puerto Rico and the United States.

  2. What it does best

    Popular dominates its core regional banking market in Puerto Rico, capturing deep customer deposits and localized lending relationships that are difficult for mainland competitors to replicate due to its entrenched physical and digital branch network.

  3. The main risk

    Geographic concentration in Puerto Rico ties loan performance and deposit stability directly to the local economy, exposing earnings to regional fiscal shifts or weather-related disruptions.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Net margin stands at 28.9% with an ROE of 15.4%, pointing to solid earnings conversion. Profitability remains stable as scale efficiencies offset regional cost pressures.

MoatFair

Customer switching costs and brand legacy lock in retail and commercial depositors across Puerto Rico. It ranks in the middle of the pack for sector ROE at 49th percentile, limiting rapid margin expansion against regional peers.

GrowthSlow

Revenue grew 8.8% to $3.4 billion, showing steady top-line expansion that outpaces past historical troughs while maintaining middle-of-the-pack sector growth.

Financial healthStrong

Debt-to-equity sits at 0.2, reflecting a conservative capital structure. Free cash flow reached $807 million, up from prior years. The balance sheet is getting stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

5 sold $9.4M outside pre-planned sales.

Our sealed record on BPOP

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is BPOP a good business?

Popular, Inc. scores average on the Cluenex quality check (5.8 of 10), measured against its own industry. Profitability is fair, moat fair, growth slow and financial health strong.

Are insiders buying BPOP?

In the last 90 days of SEC Form 4 filings: 5 sold $9.4M outside pre-planned sales.

When does BPOP report earnings?

Oct 22, 2026.

For members

See BPOP today

  • Today's verdict on BPOP, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Popular, Inc. (BPOP)”, https://cluenex.com/stocks/bpop/, data as of Oct 10, 2026.