The earnings call highlights strong financial performance, significant loan growth, improved credit quality, and strategic capital return actions. However, there are concerns about increasing operating expenses and expected deposit seasonality effects. Overall, the positive aspects significantly outweigh the challenges.

Company Guidance -

Q3 2025

During the Popular, Inc. Second Quarter 2025 Earnings Call, the company reported a strong financial performance with net income rising to $210 million, or $3.09 per share, an increase of $32 million and $0.53 per share compared to the previous quarter. This boost in earnings resulted in a robust 13.3% return on tangible common equity (ROTCE). The quarter saw an impressive $900 million growth in loans, driven by a $425 million infrastructure financing in Puerto Rico. Popular also announced a new $500 million stock repurchase program and increased its quarterly dividend by 7% to $0.75 per share, reflecting its strong capital position. Deposits increased by $1.4 billion, largely due to public funds, while net interest income grew by 4.3% to $632 million, aided by higher loan volumes and favorable repricing. Credit quality improved with net charge-offs falling to $42 million, or 45 basis points, and non-performing loans decreasing slightly. The company revised its net interest income growth guidance to 10% to 11% for 2025 and expects noninterest income to be at the high end of the $155 million to $160 million range quarterly. Operating expenses rose to $493 million due to profit-sharing accruals, yet the company remains committed to cost discipline, expecting expense growth, including profit-sharing, to be between 4% and 5% for the year.

Strong Financial Performance

Reported net income of $210 million and an EPS of $3.09 per share, marking an increase of $32 million and $0.53 per share, respectively, compared to the first quarter. Achieved a 13.3% return on tangible common equity.

Significant Loan Growth

Loans grew by more than $900 million during the quarter, including a notable $425 million loan to the private sector entity operating several toll roads in Puerto Rico.

Expansion of Net Interest Margin

Net interest income increased by $26 million, driven by balance sheet growth and asset repricing, resulting in a net interest margin expansion of 9 basis points.

Improved Credit Quality

Credit quality metrics improved with lower non-performing loans, lower inflows, and lower net charge-offs. The provision for credit losses was $50 million, down from $65 million in the previous quarter.

Capital Return Actions

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

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

Daily Earnings Calendar >

BPOP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	2.86 / -	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 2.86.

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