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Market Price

24.80 

0.00 0.0%

as of Jan 27 '23

52 Week Range:

22.00 26.10


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands. The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also offers 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 provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. As of December 31, 2021, it operated 169 branches; and 616 ATMs in Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs in the United States Mainland. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Earnings BIT 266.25
218.87
348.00
485.32
379.28
420.63
growth rate -17.8% 59.0% 18.1% -21.9% 10.9%
Avg.PE 2.45
1.86
11.04
21.08
3.88
3.73
4.30
2.38
growth rate -24.1% 493.6% 90.9% -81.6% -3.9% 15.3% -44.7%
ROA 0.39
0.65
1.65
-0.92
2.59
0.57
0.25
1.34
1.34
0.86
1.32
growth rate 66.7% 153.9% -100.0% 100.0% -78.0% -56.1% 436.0% 0.0% -35.8% 53.5%
ROE 3.87
6.09
13.79
-7.22
19.23
4.17
2.04
11.77
11.76
8.43
15.62
growth rate 57.4% 126.4% -100.0% 100.0% -78.3% -51.1% 477.0% -0.1% -28.3% 85.3%
ROIC 7.72
9.20
13.02
3.73
growth rate 19.2% 41.5% -71.4%
Leverage 9.65
8.99
7.81
7.84
7.08
7.51
8.76
8.84
8.73
10.98
12.63
growth rate -6.8% -13.1% 0.4% -9.7% 6.1% 16.6% 0.9% -1.2% 25.8% 15.0%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 66.95
78.76
46.63
77.51
40.09
47.05
65.43
65.46
growth rate 17.6% -40.8% 66.2% -48.3% 17.4% 39.1% 0.1%
Acct.Payable 24,807.54
27,209.72
30,496.22
35,453.51
39,776.42
43,824.29
56,936.12
67,096.89
growth rate 9.7% 12.1% 16.3% 12.2% 10.2% 29.9% 17.9%
Cur.Assets 3,210.21
3,424.48
4,075.44
6,574.67
5,127.29
4,247.73
12,753.94
18,551.53
growth rate 6.7% 19.0% 61.3% -22.0% -17.2% 200.3% 45.5%
Total Assets 37,348.40
36,507.50
35,749.30
33,096.70
35,761.73
38,661.61
44,277.34
47,604.58
52,115.32
65,926.00
75,097.90
growth rate -2.3% -2.1% -7.4% 8.1% 8.1% 14.5% 7.5% 9.5% 26.5% 13.9%
Cash 1,583.80
1,278.00
1,100.60
381.10
363.67
362.39
381.29
353.94
361.71
484.86
411.35
growth rate -19.3% -13.9% -65.4% -4.6% -0.4% 5.2% -7.2% 2.2% 34.1% -15.2%
Inventory 265.77
191.92
212.57
188.86
136.71
122.07
83.15
85.08
growth rate -27.8% 10.8% -11.2% -27.6% -10.7% -31.9% 2.3%
Cur.Liabilities 25,428.35
27,979.35
30,978.73
35,942.93
40,571.74
44,470.92
58,142.60
67,700.57
growth rate 10.0% 10.7% 16.0% 12.9% 9.6% 30.7% 16.4%
Liabilities 33,429.70
32,397.50
31,123.20
28,829.31
30,656.41
33,463.65
39,173.43
42,169.52
46,098.55
59,897.31
69,128.50
growth rate -3.1% -3.9% -7.4% 6.3% 9.2% 17.1% 7.7% 9.3% 29.9% 15.4%
LT Debt 2,011.00
2,012.00
2,013.00
2,398.91
1,662.51
1,574.85
1,517.71
1,202.97
1,101.61
1,224.98
989.29
growth rate 0.1% 0.1% 19.2% -30.7% -5.3% -3.6% -20.7% -8.4% 11.2% -19.2%
Equity 3,918.80
4,110.00
4,626.20
4,217.22
5,055.16
5,147.80
5,053.75
5,384.90
5,966.62
6,006.54
5,947.25
growth rate 4.9% 12.6% -8.8% 19.9% 1.8% -1.8% 6.6% 10.8% 0.7% -1.0%
Common Shares 102.59
103.17
103.40
1.04
1.04
1.04
1.04
1.04
1.04
1.05
1.05
growth rate 0.6% 0.2% -99.0% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 35.10
35.10
28.50
51.05
62.66
100.32
62.70
80.55
75.67
60.07
72.78
growth rate 0.0% -18.8% 79.1% 22.7% 60.1% -37.5% 28.5% -6.1% -20.6% 21.2%
Cash Dividends 3.70
3.70
3.70
3.72
19.26
65.93
95.91
105.44
115.81
133.65
141.47
growth rate 0.0% 0.0% 0.6% 417.2% 242.4% 45.5% 9.9% 9.8% 15.4% 5.9%
Cash From OA 676.70
524.10
819.30
873.00
670.14
596.57
636.48
847.50
705.37
678.77
1,005.16
growth rate -22.6% 56.3% 6.6% -23.2% -11.0% 6.7% 33.2% -16.8% -3.8% 48.1%
Sale Purchase of Stock 5.39
6.23
7.44
7.02
growth rate 15.4% 19.5% -5.7%
FCF 625.00
467.00
781.00
822.00
544.00
489.00
573.00
767.00
619.00
619.00
931.00
growth rate -25.3% 67.2% 5.3% -33.8% -10.1% 17.2% 33.9% -19.3% 0.0% 50.4%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 1,925.50
1,907.80
2,243.10
1,061.45
1,687.05
1,686.17
1,595.71
2,056.55
2,295.80
2,076.39
2,793.18
growth rate -0.9% 17.6% -52.7% 58.9% -0.1% -5.4% 28.9% 11.6% -9.6% 34.5%
Op.Income 199.50
218.90
348.00
-6.90
541.45
518.11
422.82
707.93
850.16
645.35
1,264.21
growth rate 9.7% 59.0% -100.0% 100.0% -4.3% -18.4% 67.4% 20.1% -24.1% 95.9%
IBT -132.23
398.83
294.34
338.51
737.74
818.32
618.56
1,243.91
growth rate 100.0% -26.2% 15.0% 117.9% 10.9% -24.4% 101.1%
Net Income 151.30
245.30
599.30
-313.49
895.34
216.69
107.68
618.16
671.14
506.62
934.89
growth rate 62.1% 144.3% -100.0% 100.0% -75.8% -50.3% 474.1% 8.6% -24.5% 84.5%
Gross Profit 1,061.45
1,687.05
1,686.17
1,595.71
2,056.55
2,295.80
2,076.39
2,793.18
growth rate 58.9% -0.1% -5.4% 28.9% 11.6% -9.6% 34.5%

Quarterly Statements

Item Name Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Earnings BIT
growth rate
Balance Sheet Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Acct.Receivable 75.59
65.46
60.50
45.12
growth rate -13.4% -7.6% -25.4%
Acct.Payable 66,080.96
67,096.89
62,862.30
65,424.88
64,819.33
growth rate 1.5% -6.3% 4.1% -0.9%
Cur.Assets 18,700.26
18,551.53
825.37
10,786.75
2,373.19
growth rate -0.8% -95.6% 1,206.9% -78.0%
Total Assets 74,189.16
75,097.90
69,525.08
71,501.93
70,729.68
growth rate 1.2% -7.4% 2.8% -1.1%
Cash 506.89
411.35
439.15
476.77
2,017.31
growth rate -18.9% 6.8% 8.6% 323.1%
Inventory 76.83
85.08
90.57
92.14
93.24
growth rate 10.7% 6.5% 1.7% 1.2%
Cur.Liabilities 66,537.33
67,700.57
62,862.30
65,890.04
65,069.33
growth rate 1.8% -7.2% 4.8% -1.3%
Liabilities 68,206.19
69,128.50
64,853.84
67,208.58
67,054.84
growth rate 1.4% -6.2% 3.6% -0.2%
LT Debt 1,186.81
989.29
1,060.71
888.21
1,050.98
growth rate -16.6% 7.2% -16.3% 18.3%
Equity 5,960.83
5,947.25
4,649.10
4,271.21
3,652.70
growth rate -0.2% -21.8% -8.1% -14.5%
Common Shares 1.05
1.05
1.05
1.05
1.05
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Capital Expenditures 14.33
21.97
15.21
24.49
growth rate 53.4% -30.8% 61.1%
Cash Dividends 36.65
36.66
36.29
42.43
growth rate 0.0% -1.0% 16.9%
Cash From OA 218.70
307.18
197.19
294.15
growth rate 40.5% -35.8% 49.2%
Sale Purchase of Stock
growth rate
FCF 204.38
285.21
181.98
269.66
growth rate 39.6% -36.2% 48.2%
Income Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Sales 719.82
699.01
664.50
681.91
966.48
growth rate -2.9% -4.9% 2.6% 41.7%
Op.Income 337.90
290.49
267.72
275.09
504.34
growth rate -14.0% -7.8% 2.8% 83.3%
IBT 331.66
281.62
262.17
275.63
490.38
growth rate -15.1% -6.9% 5.1% 77.9%
Net Income 248.11
206.06
211.69
211.42
422.40
growth rate -17.0% 2.7% -0.1% 99.8%
Gross Profit 719.82
699.01
664.50
681.91
966.48
growth rate -2.9% -4.9% 2.6% 41.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (47.69)

YOY Growth Grade:

E (24.12)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 2.87 2.85
EPS / Growth 8.70

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.9% 2.9% 2.9%
Future PE 0.01 2.87 2.87
Future EPS 11.55 11.55 11.55
Value Price
MOS %
0.03
-99.9%
8.20
-66.9%
8.20
-66.9%
MOS Price 0.01 4.10 4.10
IRT 2.70 2.70 2.70

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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