The earnings call presented a strong financial performance with significant loan and deposit growth, improved credit quality, and strategic capital actions. Despite the challenges of higher operating expenses and expected seasonal deposit decreases, the company's outlook remains positive, with a focus on efficiency and shareholder returns.

Company Guidance

During the second quarter of fiscal year 2025, Popular, Inc. demonstrated robust financial performance, with net income reaching $210 million and earnings per share (EPS) rising to $3.09, marking an increase of $32 million and $0.53 per share, respectively, from the previous quarter. The return on tangible common equity (ROTCE) improved significantly to 13.3%. The company observed an expansion in net interest margin, which contributed to higher net interest income, complemented by strong loan and deposit growth. A notable $900 million increase in loans included a $425 million financing transaction for Puerto Rican infrastructure. Consumer spending remained resilient, with credit and debit card sales climbing 4% year-over-year. Mortgage balances grew by $158 million, although the demand for new cars decreased slightly. Total operating expenses were $493 million, reflecting a rise due to personnel costs and profit sharing accruals. The provision for credit losses was reduced to $50 million, following improved credit quality metrics. Popular also announced a $500 million stock repurchase program and a 7% increase in its quarterly dividend to $0.75 per share, underscoring its strong capital position.

Strong Financial Performance

Net income increased by $32 million to $210 million, with EPS improving by 21% to $3.09. The return on tangible common equity (ROTCE) was 13.3%, up by 190 basis points from last quarter.

Loan and Deposit Growth

Loans grew by $931 million during the quarter, with significant contributions from both BPPR and PB. Deposit balances increased by $1.4 billion, with noninterest-bearing deposits accounting for a significant portion of the growth.

Capital Actions and Shareholder Returns

Announced a new $500 million stock repurchase program and a 7% increase in the quarterly common stock dividend to $0.75 per share.

Improved Credit Quality

Credit quality metrics improved with lower nonperforming loans (NPLs), lower inflows, and lower net charge-offs. The allowance for credit losses increased slightly due to portfolio growth and economic assumptions.

Noninterest Income and Expense Management

Noninterest income was $168 million, above the high end of the quarterly guidance. Despite higher operating expenses, efforts are being made to mitigate costs through sustainable efficiency measures.

Popular (BPOP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BPOP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	2.95 / -	2.16	―	―	―
Jul 23, 2025	2025 (Q2)	2.54 / 3.09	2.46	25.61% (+0.63)
Apr 23, 2025	2025 (Q1)	2.16 / 2.56	1.874	36.61% (+0.69)
Jan 28, 2025	2024 (Q4)	2.05 / 2.51	1.938	29.51% (+0.57)
Oct 23, 2024	2024 (Q3)	2.30 / 2.16	2.128	1.50% (+0.03)
Jul 24, 2024	2024 (Q2)	2.10 / 2.46	2.1	17.14% (+0.36)
Apr 23, 2024	2024 (Q1)	1.85 / 1.87	2.22	-15.59% (-0.35)
Jan 25, 2024	2023 (Q4)	1.70 / 1.94	3.56	-45.56% (-1.62)
Oct 26, 2023	2023 (Q3)	1.85 / 2.13	2.66	-20.00% (-0.53)
Jul 26, 2023	2023 (Q2)	1.81 / 2.10	2.805	-25.13% (-0.71)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BPOP Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$115.22	$115.59	+0.32%
Apr 23, 2025	$88.87	$94.15	+5.94%
Jan 28, 2025	$102.27	$100.98	-1.26%
Oct 23, 2024	$97.79	$87.81	-10.21%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Popular Inc (BPOP) report earnings?

Popular Inc (BPOP) is schdueled to report earning on Oct 22, 2025, Before Open (Confirmed).

What is Popular Inc (BPOP) earnings time?

Popular Inc (BPOP) earnings time is at Oct 22, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BPOP EPS forecast?

BPOP EPS forecast for the fiscal quarter 2025 (Q3) is 2.95.

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