Popular (PP4A) Price & Analysis
PP4A Stock Chart & Stats
- Day’s Range
- EUR 140.00 - EUR 140.00
- 52-Week Range
- EUR 94.00 - EUR 154.00
- Previous Close
- EUR 143.00
- Volume
- 3
- Average Volume (3M)
- 2
- Market Cap
- EUR 8.78B
- Enterprise Value
- EUR 10.79B
- Total Cash (Recent Filing)
- EUR 373.33M
- Total Debt (Recent Filing)
- EUR 1.33B
- Price to Earnings (P/E)
- 9.9
- Beta
- 0.58
- Next Earnings
- Jan 28, 2027
- EPS Estimate
- 3.41
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.91%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Cash Generation
Popular combines strong current profitability with substantial cash generation, giving it internal capacity to support lending, technology investment, dividends, and repurchases. Improving returns on equity and manageable leverage also indicate a resilient balance sheet that can support execution over the next several quarters.
Net Interest Income Growth Potential
Expected net interest income growth is supported by higher-yielding reinvestments, repricing of legacy assets, and continued demand in commercial and mortgage lending. This creates a durable earnings driver, although its benefits depend on maintaining funding discipline and credit quality.
Efficiency And Banking Platform Improvements
Recurring efficiency actions can improve operating leverage by restraining expense growth as the franchise expands. Completion of the commercial cash-management platform also strengthens service capabilities and client relationships, supporting retention, fee generation, and longer-term competitiveness in business banking.
Bears Say
Deposit Contraction And Slower Loan Growth
Lower deposits reduce the funding base available for asset growth, while slower loan expansion limits the ability to compound interest income. The combination suggests greater competition for customer balances and a more selective lending environment, potentially constraining revenue growth over coming quarters.
Rising Commercial Credit Risk
Higher nonperforming loans and increased charge-off guidance point to emerging stress in parts of the commercial portfolio. If these issues broaden, provisions and realized losses could reduce earnings, absorb capital that might otherwise be returned, and weaken the consistency of future returns.
Funding And Margin Pressure
Rising deposit costs alongside a lower net interest margin indicate pressure on the spread that converts lending and investment activity into earnings. Persistent funding repricing or weaker loan yields could offset asset-income improvements and make profitability more sensitive to balance-sheet mix.
Popular News
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Popular Stock Smart Score
Company Description
Popular
Popular, Inc., along with its subsidiaries, offers a broad spectrum of financial products and services encompassing retail, mortgage, and commercial banking. These operations extend across Puerto Rico, the United States, and the British Virgin Islands. The company provides various deposit options, including interest-bearing accounts such as savings, NOW, and money market accounts, alongside non-interest-bearing demand deposits and certificates of deposit. Its diverse lending activities include commercial and industrial financing, loans for multi-family and commercial real estate, and residential mortgage products. For individual consumers, Popular provides personal loans, credit cards, automobile financing, and home equity lines of credit. Construction project funding and lease financing, especially for vehicles, are also part of its offerings. Further expanding its services, Popular, Inc. engages in investment banking, equipment and auto leasing and financing, broker-dealer operations, and insurance. It also supports convenient banking through debit cards and online platforms. Established in 1893 and headquartered in Hato Rey, Puerto Rico, Popular, Inc. maintained a significant operational footprint as of December 31, 2021. This included 169 branches and 616 ATMs throughout Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs situated in the continental United States.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Jorge J. García
- Employees
- 9,112
- Website
- www.popular.com
- Address
- 209 Muñoz Rivera Avenue, San Juan, PR, 00918, PR
Popular (PP4A) Earnings & Revenues
PP4A Company Deck
PP4A Earnings Call
Earnings Call SentimentPositive
The call was broadly positive, with strong year-over-year earnings growth, solid core credit performance, stable Puerto Rico economic conditions, recurring efficiency gains, continued capital returns, and ongoing net interest income growth. These positives were partly offset by sequentially lower earnings and ROTCE, deposit declines, moderating loan growth, higher expenses, lower NIM, increased nonperforming loans, and higher full-year charge-off guidance.
View all DE:PP4A earnings summariesPP4A Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 5 | 11 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 3 | 0 | 9 |