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Popular Inc (BPOP)
NASDAQ:BPOP
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
3.2Last Year’s EPS
2.56Same Quarter Last Year
Strong Buy
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a largely positive operating and financial performance for 2025: strong profitability (net income +36% YoY), expanded margins, solid loan growth, improved credit metrics, a robust capital position, and active shareholder returns (buybacks and dividend increase). Management provided constructive 2026 guidance (NII +5%–7%, loan growth 3%–4%) while noting a tempered outlook relative to recent years and several headwinds: deposit outflows (public deposits), expected modest increases in net charge-offs, consumer auto softness, and ongoing technology/investment timing that will lift expenses in 2026. Management emphasized disciplined capital management, continued transformation investments, and confidence in Puerto Rico’s economic tailwinds (including onshoring), but also acknowledged lingering structural and macro risks such as PREPA and affordability. On balance, the highlights—strong earnings, margin expansion, loan growth, improving credit metrics, and sizable capital returns—outweigh the lowlights, though the company expects some moderation and prudent conservatism in 2026.Company Guidance
Record Improvement in Annual Profitability
Net income for fiscal 2025 of $833 million, up $219 million or 36% year-over-year; fourth-quarter net income of $234 million, up $23 million QoQ, and EPS of $3.53 (increase of $0.38). ROTCE exceeded 14% in Q4 and was 13% for the full year, demonstrating progress toward the 14% objective.
Loan Growth and Net Interest Income Expansion
Total loan growth for 2025 of $2.2 billion (approximately +6% year-over-year); Q4 loan growth of $641 million (BPPR +$497M, Popular Bank +$144M). Net interest income of $658 million in Q4, up $11 million QoQ and NII increased $259 million (11%) for the year. GAAP net interest margin expanded 10 basis points to 3.61% in Q4 (FTE margin +13 bps to 4.03%). 2026 NII guidance: +5% to +7%.
Improved Credit Metrics and Reserve Coverage
Net charge-offs improved to 52 basis points for 2025 (down 16 bps year-over-year). Q4 annualized net charge-offs were 51 bps (vs 60 bps prior quarter); excluding recoveries Q4 ratio was 57 bps. Non-performing loans ratio decreased 3 bps to 1.27%. Allowance for credit losses increased $22 million to $808 million; ACL/loans at 2.05% and ACL/NPLs at 162% (up from 157%).
Strong Capital Position and Shareholder Returns
Common equity Tier 1 ratio ended the year at 15.7%. Tangible book value per share was $82.65, up 21% year-over-year. Repurchased approximately $500 million in common stock during 2025 (about $148 million in Q4) and have repurchased ~$720 million since resuming buybacks in 2024. Quarterly common dividend increased $0.05 to $0.75 per share; further dividend increase anticipated later in the year.
Operational Efficiency and Technology Progress
Total GAAP operating expenses rose ~2.5% for 2025 (below prior 4% guidance) as sustainable efficiency initiatives were executed. Launched commercial cash management platform and a fully digital consumer credit origination platform (approximately $36 million originated since launch). ERP migrated to a modern cloud platform; over 800 colleagues working on transformation projects. 2026 GAAP expense guidance: ~+3%.
Favorable Puerto Rico Economic Trends and Onshoring Momentum
Puerto Rico experienced solid business activity: unemployment stable at 5.7%, consumer/debit+credit card sales up ~5% YoY, record 13.6 million airport passengers (+3% YoY), Q4 hotel demand +11% YoY and total revenue +4%. Onshoring announced investment pipeline cited ~ $2.2 billion in capital with thousands of jobs (e.g., Eli Lilly $1.2B, Amgen $650M), with management expecting additional onshoring announcements in 2026.
BPOP Earnings History
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 |
|---|---|---|---|
Jan 27, 2026 | $122.87 | $130.60 | +6.29% |
Sep 30, 2025 | $126.51 | $126.20 | -0.25% |
Jul 23, 2025 | $113.79 | $114.16 | +0.32% |
Apr 23, 2025 | $87.77 | $92.98 | +5.93% |
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 Apr 29, 2026, Before Open (Confirmed).
What is Popular Inc (BPOP) earnings time?
Popular Inc (BPOP) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 3.2.