What is Popular Inc's earnings per share (EPS)?

Popular Inc (BPOP) reported diluted earnings per share of $12.30 for fiscal year 2025. This represents a 43.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Popular Inc Financials

BPOP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Popular Inc (BPOP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BPOP FY2025 2026-04-22

Popular’s earnings recovery was driven less by balance-sheet growth than by lower funding drag and stronger cash conversion.

From FY2024 to FY2025, net income climbed from $614M to $833M even though revenue changed only modestly. Because interest expense fell while operating cash flow improved, the rebound looks more like funding-cost relief with better earnings quality than a simple asset-growth story.

The balance sheet got sturdier over the last three years, with debt-to-equity improving from 15.5x to 11.1x. ROA returning to 1.1% suggests returns are being rebuilt alongside a thicker equity cushion, which matters more here than raw revenue growth because the business earns against a very large asset base.

Popular also looks light on physical reinvestment: FY2025 capital spending was only $197M against $878M of operating cash flow, so maintenance needs did not absorb most internally generated cash. Meanwhile the share count fell from 70.1M to 65.7M across FY2024-FY2025, meaning per-share results were helped by buybacks as well as higher profit.

Financial Health Signals

Financial Profile 25/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Popular Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Popular Inc's revenue grew a modest 3.0% year-over-year to $3.8B. This slow but positive growth earns a score of 47/100.

Leverage

Popular Inc has elevated debt relative to equity (D/E of 11.06), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Popular Inc has a free cash flow margin of 18.0%, earning a moderate score of 64/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Popular Inc's ROE of 13.3% shows moderate profitability relative to equity, earning a score of 38/100. This is up from 10.9% the prior year.

Piotroski F-Score Neutral

5/9

Popular Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, Popular Inc generates $1.05 in operating cash flow ($878.4M OCF vs $833.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.8B

YoY+3.0%

5Y CAGR+12.6%

10Y CAGR+9.0%

Popular Inc generated $3.8B in revenue in fiscal year 2025. This represents an increase of 3.0% from the prior year.

EBITDA

N/A

Net Income

$833.2M

YoY+35.6%

5Y CAGR+10.5%

10Y CAGR-0.7%

Popular Inc reported $833.2M in net income in fiscal year 2025. This represents an increase of 35.6% from the prior year.

EPS (Diluted)

$12.30

YoY+43.7%

5Y CAGR+15.9%

10Y CAGR+3.6%

Popular Inc earned $12.30 per diluted share (EPS) in fiscal year 2025. This represents an increase of 43.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$681.0M

YoY+47.6%

5Y CAGR+1.9%

10Y CAGR+1.1%

Popular Inc generated $681.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 47.6% from the prior year.

Cash & Debt

$413.0M

YoY-3.8%

5Y CAGR-3.6%

10Y CAGR+0.9%

Popular Inc held $413.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.90

YoY+13.3%

5Y CAGR+12.6%

10Y CAGR+25.5%

Popular Inc paid $2.90 per share in dividends in fiscal year 2025. This represents an increase of 13.3% from the prior year.

Shares Outstanding

66M

YoY-6.3%

5Y CAGR-4.8%

10Y CAGR-4.5%

Popular Inc had 66M shares outstanding in fiscal year 2025. This represents a decrease of 6.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.0%

YoY+5.3pp

5Y CAGR-2.2pp

10Y CAGR-33.8pp

Popular Inc's net profit margin was 22.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.3 percentage points from the prior year.

Return on Equity

13.3%

YoY+2.4pp

5Y CAGR+4.9pp

10Y CAGR-4.2pp

Popular Inc's ROE was 13.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$197.5M

YoY-7.5%

5Y CAGR+26.9%

10Y CAGR+12.2%

Popular Inc invested $197.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 7.5% from the prior year.

BPOP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.8B+3.0%	$3.7B+13.2%	$3.2B+31.6%	$2.5B+16.2%	$2.1B+1.5%	$2.1B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$905.2M+10.3%	$820.5M+5.5%	$778.0M+8.1%	$719.8M+13.9%	$631.8M+12.0%	$564.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.2B-10.7%	$1.4B+24.9%	$1.1B+273.1%	$298.6M+80.9%	$165.0M-29.7%	$234.9M
Income Tax	$173.6M-4.8%	$182.4M+35.9%	$134.2M+1.4%	$132.3M-57.2%	$309.0M+176.1%	$111.9M
Net Income	$833.2M+35.6%	$614.2M+13.5%	$541.3M-50.9%	$1.1B+17.9%	$934.9M+84.5%	$506.6M
EPS (Diluted)	$12.30+43.7%	$8.56+13.8%	$7.52-48.6%	$14.63+27.7%	$11.46+95.2%	$5.87

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.8B+89.7%	$966.6M+2.4%	$943.9M+2316.8%	$39.1M-97.8%	$1.8B+89.5%	$937.4M+1.7%	$921.9M+2362.2%	$37.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$230.2M-1.2%	$233.0M+1.6%	$229.4M+7.8%	$212.7M+3.4%	$205.8M+2.0%	$201.9M+2.2%	$197.4M-8.3%	$215.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$297.9M-6.9%	$320.1M+2.5%	$312.3M+0.3%	$311.4M-5.4%	$329.0M-9.9%	$365.0M+3.2%	$353.6M+3.0%	$343.4M
Income Tax	$44.7M+24.3%	$36.0M-24.9%	$47.9M+6.3%	$45.1M+2.6%	$43.9M+3.4%	$42.5M+5.0%	$40.5M-27.2%	$55.6M
Net Income	$233.9M+10.7%	$211.3M+0.4%	$210.4M+18.6%	$177.5M-0.2%	$177.8M+14.5%	$155.3M-12.6%	$177.8M+72.1%	$103.3M
EPS (Diluted)	N/A	$3.14+1.6%	$3.09+20.7%	$2.56	N/A	$2.16-12.2%	$2.46+72.0%	$1.43

BPOP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$75.3B+3.2%	$73.0B+3.2%	$70.8B+4.6%	$67.6B-9.9%	$75.1B+13.9%	$65.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$413.0M-3.8%	$429.4M+0.4%	$427.6M-10.2%	$476.2M+9.6%	$434.5M-12.6%	$497.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$790.0M-1.6%	$803.0M-0.2%	$804.4M-2.8%	$827.4M+14.9%	$720.3M+7.3%	$671.1M
Total Liabilities	$69.1B+2.5%	$67.4B+2.8%	$65.6B+3.3%	$63.5B-8.1%	$69.1B+15.4%	$59.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.2B+11.3%	$5.6B+9.1%	$5.1B+25.7%	$4.1B-31.4%	$6.0B-1.0%	$6.0B
Retained Earnings	$5.2B+13.9%	$4.6B+9.0%	$4.2B+9.4%	$3.8B+28.9%	$3.0B+31.5%	$2.3B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$75.3B+0.4%	$75.1B-1.3%	$76.1B+2.7%	$74.0B+1.4%	$73.0B+2.4%	$71.3B-2.1%	$72.8B+2.7%	$70.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$413.0M+6.6%	$387.3M-5.8%	$411.0M+5.2%	$390.6M-9.0%	$429.4M-1.4%	$435.7M+18.6%	$367.3M+11.9%	$328.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$790.0M0.0%	$790.0M-1.6%	$803.0M0.0%	$803.0M0.0%	$803.0M-0.2%	$804.4M0.0%	$804.4M0.0%	$804.4M
Total Liabilities	$69.1B+0.2%	$69.0B-1.7%	$70.1B+2.7%	$68.2B+1.2%	$67.4B+2.9%	$65.5B-2.9%	$67.5B+2.6%	$65.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.2B+2.2%	$6.1B+2.7%	$6.0B+2.7%	$5.8B+3.3%	$5.6B-3.1%	$5.8B+7.8%	$5.4B+3.8%	$5.2B
Retained Earnings	$5.2B+3.7%	$5.0B+3.3%	$4.9B+3.5%	$4.7B+2.8%	$4.6B+1.7%	$4.5B+2.5%	$4.4B+3.1%	$4.3B

BPOP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$878.4M+30.2%	$674.7M-1.7%	$686.6M-32.3%	$1.0B+0.9%	$1.0B+48.1%	$678.8M
Capital Expenditures	$197.5M-7.5%	$213.4M+2.6%	$208.0M+100.4%	$103.8M+42.6%	$72.8M+21.2%	$60.1M
Free Cash Flow	$681.0M+47.6%	$461.3M-3.6%	$478.6M-47.5%	$910.7M-2.3%	$932.4M+50.7%	$618.7M
Investing Cash Flow	-$1.8B-7.8%	-$1.6B+37.5%	-$2.6B-148.8%	$5.4B+150.9%	-$10.5B+19.5%	-$13.1B
Financing Cash Flow	$864.6M-9.9%	$959.6M-48.9%	$1.9B+129.7%	-$6.3B-166.9%	$9.5B-24.3%	$12.5B
Dividends Paid	$197.6M+9.5%	$180.5M+12.9%	$159.9M-1.0%	$161.5M+14.2%	$141.5M+5.9%	$133.6M
Share Buybacks	N/A	$217.3M	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$268.5M+37.7%	$195.0M-19.7%	$242.9M+41.2%	$172.1M-13.7%	$199.5M-14.5%	$233.2M+189.9%	$80.4M-50.2%	$161.6M
Capital Expenditures	$47.4M-12.1%	$53.9M+20.6%	$44.7M-13.3%	$51.5M-14.6%	$60.3M+4.6%	$57.7M+38.9%	$41.5M-22.9%	$53.9M
Free Cash Flow	$221.1M+56.7%	$141.1M-28.8%	$198.3M+64.5%	$120.5M-13.4%	$139.2M-20.7%	$175.6M+351.1%	$38.9M-63.9%	$107.7M
Investing Cash Flow	$79.2M-90.4%	$826.0M+146.5%	-$1.8B-100.4%	-$886.9M+37.7%	-$1.4B-175.8%	$1.9B+208.5%	-$1.7B-384.1%	-$357.4M
Financing Cash Flow	-$321.9M+69.2%	-$1.0B-167.2%	$1.6B+130.0%	$676.1M-44.5%	$1.2B+159.6%	-$2.0B-221.0%	$1.7B+1649.3%	$96.5M
Dividends Paid	$50.7M+5.3%	$48.2M-1.2%	$48.8M-2.3%	$49.9M+11.0%	$45.0M-0.8%	$45.3M+0.4%	$45.2M+0.4%	$45.0M
Share Buybacks	N/A	-$119.7M	N/A	N/A	$283.2M+578.8%	-$59.1M	N/A	N/A

BPOP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.0%+5.3pp	16.7%+0.0pp	16.7%-28.0pp	44.7%+0.7pp	44.0%+19.8pp	24.2%
Return on Equity	13.3%+2.4pp	10.9%+0.4pp	10.5%-16.4pp	26.9%+11.3pp	15.7%+7.3pp	8.4%
Return on Assets	1.1%+0.3pp	0.8%+0.1pp	0.8%-0.9pp	1.6%+0.4pp	1.2%+0.5pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.06-1.0	12.01-0.7	12.75-2.8	15.52+3.9	11.58+1.6	9.94
FCF Margin	18.0%+5.4pp	12.6%-2.2pp	14.8%-22.2pp	36.9%-7.0pp	43.9%+14.4pp	29.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.8%-9.1pp	21.9%-0.4pp	22.3%-432.2pp	454.5%+444.5pp	10.0%-6.6pp	16.6%-2.7pp	19.3%-256.6pp	275.9%
Return on Equity	3.7%+0.3pp	3.5%-0.1pp	3.5%+0.5pp	3.1%-0.1pp	3.2%+0.5pp	2.7%-0.6pp	3.3%+1.3pp	2.0%
Return on Assets	0.3%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.06-0.2	11.27-0.5	11.780.0	11.77-0.2	12.01+0.7	11.32-1.2	12.56-0.1	12.70
FCF Margin	12.1%-2.5pp	14.6%-6.4pp	21.0%-287.6pp	308.6%+300.8pp	7.8%-10.9pp	18.7%+14.5pp	4.2%-283.4pp	287.6%

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Frequently Asked Questions

What is Popular Inc's annual revenue?

Popular Inc (BPOP) reported $3.8B in total revenue for fiscal year 2025. This represents a 3.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Popular Inc's revenue growing?

Popular Inc (BPOP) revenue grew by 3% year-over-year, from $3.7B to $3.8B in fiscal year 2025.

Is Popular Inc profitable?

Yes, Popular Inc (BPOP) reported a net income of $833.2M in fiscal year 2025, with a net profit margin of 22.0%.

What is Popular Inc's net profit margin?

Popular Inc (BPOP) had a net profit margin of 22.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Popular Inc pay dividends?

Yes, Popular Inc (BPOP) paid $2.90 per share in dividends during fiscal year 2025.

What is Popular Inc's return on equity (ROE)?

Popular Inc (BPOP) has a return on equity of 13.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Popular Inc's free cash flow?

Popular Inc (BPOP) generated $681.0M in free cash flow during fiscal year 2025. This represents a 47.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Popular Inc's operating cash flow?

Popular Inc (BPOP) generated $878.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Popular Inc's total assets?

Popular Inc (BPOP) had $75.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Popular Inc's capital expenditures?

Popular Inc (BPOP) invested $197.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Popular Inc have outstanding?

Popular Inc (BPOP) had 66M shares outstanding as of fiscal year 2025.

What is Popular Inc's debt-to-equity ratio?

Popular Inc (BPOP) had a debt-to-equity ratio of 11.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Popular Inc's return on assets (ROA)?

Popular Inc (BPOP) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Popular Inc's Piotroski F-Score?

Popular Inc (BPOP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Popular Inc's earnings high quality?

Popular Inc (BPOP) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Popular Inc?

Popular Inc (BPOP) scores 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.