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Upturn AI SWOT - About
BPOP 
Popular Inc (BPOP)
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Upturn Advisory Summary
04/01/2025: BPOP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -22% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.45B USD | Price to earnings Ratio 10.87 | 1Y Target Price 114.56 |
Price to earnings Ratio 10.87 | 1Y Target Price 114.56 | ||
Volume (30-day avg) 657653 | Beta 0.79 | 52 Weeks Range 78.35 - 105.98 | Updated Date 04/2/2025 |
52 Weeks Range 78.35 - 105.98 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 8.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.88% | Operating Margin (TTM) 33.04% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 11.42% |
Valuation
Trailing PE 10.87 | Forward PE 9.29 | Enterprise Value 834878784 | Price to Sales(TTM) 2.4 |
Enterprise Value 834878784 | Price to Sales(TTM) 2.4 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA - | Shares Outstanding 69339000 | Shares Floating 67721080 |
Shares Outstanding 69339000 | Shares Floating 67721080 | ||
Percent Insiders 1.89 | Percent Institutions 91.87 |
Analyst Ratings
Rating 3.89 | Target Price 108.44 | Buy 4 | Strong Buy 2 |
Buy 4 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Popular Inc
Company Overview
History and Background
Popular, Inc., founded in 1893, is a financial services company based in Puerto Rico. It evolved from Banco Popular de Economu00edas y Pru00e9stamos, initially focusing on savings and loans for the working class. Over time, it expanded into a full-service bank, operating in Puerto Rico, the United States, and the Virgin Islands.
Core Business Areas
- Banking: Offers a range of banking products and services, including deposit accounts, loans, credit cards, and wealth management.
- Mortgage Banking: Provides mortgage loans and related services to individuals and businesses.
- Auto Lending: Finances the purchase of automobiles.
- Commercial Lending: Provides Commercial loans to businesses
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is hierarchical, with divisions for banking, mortgage, auto, and commercial, each managed by senior leadership.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Various checking, savings, and money market accounts. Market share for deposit accounts in Puerto Rico is significant. Competitors: First BanCorp, Oriental Bank.
- Market Share (%): 30
- Market Share (%): 25
- Mortgage Loans: Residential and commercial mortgage products. Popular is a significant mortgage lender in Puerto Rico. Competitors: First BanCorp, Oriental Bank, Scotiabank.
- Commercial Loans: Provide commercial loans to small and medium size businesses, generating significant revenue.
- Market Share (%): 22
- Credit Cards: Provides credit card loans to customers.
- Market Share (%): 28
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rates, regulatory changes, and economic conditions, impacting loan demand and profitability. Increasing competition from fintech companies is also a factor.
Positioning
Popular Inc. is a leading financial institution in Puerto Rico and has a growing presence in the United States. Its competitive advantage lies in its strong brand recognition, customer relationships, and local market expertise.
Total Addressable Market (TAM)
The TAM for financial services in Puerto Rico and the US is substantial, estimated to be in the hundreds of billions of dollars. Popular Inc. is positioned to capture a significant portion of this market through its diverse product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Puerto Rico
- Established customer base
- Diversified product portfolio
- Experienced management team
- Growing presence in the US market
Weaknesses
- High concentration of operations in Puerto Rico, making the company vulnerable to the island's economic conditions.
- Reliance on traditional banking models may hinder innovation compared to fintech competitors
- Cost structure may be higher than leaner, digitally focused competitors.
Opportunities
- Expansion into new markets in the US
- Adoption of digital banking technologies to enhance customer experience
- Strategic acquisitions to broaden product offerings
- Increase market share through innovative products
Threats
- Economic downturns in Puerto Rico and the US
- Increasing competition from other banks and fintech companies
- Regulatory changes that could increase compliance costs
- Rising interest rates that could negatively impact loan demand
Competitors and Market Share
Key Competitors
- FCNCA
- OFG
- UBS
- MS
Competitive Landscape
Popular Inc. faces competition from other large banks in Puerto Rico and the US, as well as from smaller regional banks and fintech companies. Its advantages include its strong brand, customer relationships, and local market expertise. Disadvantages include reliance on the economy and Puerto Rican customers.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 135
- Strategic Rationale: Expanded operations into the Nashville Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Popular Inc. has demonstrated steady growth in revenue and earnings over the past decade, driven by organic growth and strategic initiatives.
Future Projections: Analysts project continued growth for Popular Inc., driven by its expansion in the US market and adoption of digital technologies. Revenue is expected to continue to increase over the next 5 years at about the same rate.
Recent Initiatives: Recent initiatives include the launch of new digital banking platforms, expansion of commercial banking operations in the United States, and investment in technology to improve customer experience.
Summary
Popular Inc. is a strong regional bank, primarily focused on Puerto Rico and the US market. Its strengths lie in its established customer base, diversified product portfolio, and experienced management team. However, the company faces challenges related to economic conditions in Puerto Rico and increasing competition from other banks and fintech companies. Recent initiatives, such as digital platform launches and US expansion, are poised to drive future growth. The company should continue to invest in its digital capabilities to compete with more modern financial institutions.
Similar Companies
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
MS
Morgan Stanley
MS
Morgan Stanley
OFG
OFG Bancorp
OFG
OFG Bancorp
UBS
UBS Group AG
UBS
UBS Group AG
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Popular Inc
Exchange NASDAQ | Headquaters Hato Rey, PR, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Ignacio Alvarez Esq. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9231 | Website https://www.popular.com |
Full time employees 9231 | Website https://www.popular.com | ||
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and the British Virgin Islands. The company offers savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also provides commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company offers investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
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