BPOP
Popular·NASDAQ
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BPOP fundamentals
Popular (BPOP) released its earnings on Jan 27, 2026: revenue was 816.43M (YoY +7.75%), missed estimates; EPS was 3.38 (YoY +34.66%), beat estimates.
Revenue / YoY
816.43M
+7.75%
EPS / YoY
3.38
+34.66%
Report date
Jan 27, 2026
BPOP Earnings Call Summary for Q4,2025
- Record Financial Performance: 2025 net income up 36% YoY to $833 million, with Q4 EPS of $3.53 beating expectations. ROTCE of 14% in Q4 exceeds 13% full-year target.
- Sustained Loan Growth: Total loans up 6% YoY, with Q4 growth of $641 million. Commercial and mortgage lending outperform, supported by Puerto Rico's economic recovery.
- Margin Expansion: NII up 11% YoY, driven by lower deposit costs (11 bps decline) and higher loan yields. 2026 NII growth guided at 5%-7%.
- Capital Return Focus: $500 million in share buybacks in 2025, with $148 million in Q4. Dividend increased to $0.75 per share. CET1 ratio of 15.7% provides flexibility for future returns.
- Strategic Initiatives: Digital lending platforms drive efficiency, with $36 million in online originations. Streamlined operations reduce costs while maintaining 14% ROTCE target.
- Risk Management: Credit quality stable with net charge-offs at 52 bps (down 16 bps YoY). 2026 charge-off guidance of 55-70 bps reflects cautious optimism on Puerto Rico's economic resilience.
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Key Indicators
Popular (BPOP) key financial stats and ratios, covering profitability, financial health, and leverage.
Popular (BPOP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Popular (BPOP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Popular (BPOP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Popular (BPOP) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Popular (BPOP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What does Popular do and what are its main business segments?Did Popular beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for Popular year over year?What is Popular's latest dividend and current dividend yield?What factors drove the changes in Popular's revenue and profit?What were the key takeaways from Popular’s earnings call?What is the market's earnings forecast for Popular next quarter?What guidance did Popular's management provide for the next earnings period?
