The earnings call highlighted strong financial performance in terms of net interest income, loan and deposit growth, and improved credit quality. However, there were concerns about non-interest income decline and economic uncertainty due to tariff issues. Overall, the positive aspects of financial growth and stability outweighed the challenges.

Company Guidance -

Q2 2025

During Popular Incorporated's First Quarter 2025 Earnings Call, several key financial metrics were highlighted. The company reported an increase in net interest income by $15 million, with the net interest margin expanding by five basis points to 3.4%, primarily due to lower deposit costs. Loan balances rose by $146 million, driven by growth in the Commercial and Construction segments, while deposit balances increased by $935 million across both banks. The quarter also saw a $122 million share repurchase at an average price of $96 per share, contributing to a tangible book value per share increase by nearly $4 to approximately $72. Credit quality improved, evidenced by lower net charge-offs and early delinquency, and non-interest income was reported at $152 million, slightly below guidance due to variances in fair value adjustments. Operating expenses increased slightly to $471 million, with a stable effective tax rate of 20%. The company maintains a strong CET1 ratio of 16.1% and aims for a return on tangible common equity of at least 12% by the fourth quarter of 2025.

Net Interest Income and Margin Expansion

Net interest income increased by $15 million, and the net interest margin expanded by five basis points to 3.4%, driven by lower deposit costs.

Strong Loan and Deposit Growth

Loan balances increased by $146 million, and deposit balances grew by $935 million, with contributions from both banks.

Improved Credit Quality

Credit quality improved with lower net charge-offs and early delinquencies, and non-performing loans decreased significantly.

Share Repurchase Program

Repurchased $122 million in shares at an average price of $96 per share, progressing on the $500 million authorization.

Tourism and Hospitality Sector Growth

Passenger traffic at San Juan International Airport increased by 11%, and the hotel occupancy rate exceeded 75%.

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
Jul 23, 2025	2025 (Q2)	2.54 / -	2.46	―	―	―
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)
Apr 26, 2023	2023 (Q1)	2.04 / 2.22	2.69	-17.47% (-0.47)

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
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%
Jul 24, 2024	$100.11	$96.62	-3.49%

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 Jul 23, 2025, Before Open (Confirmed).

What is Popular Inc (BPOP) earnings time?

Popular Inc (BPOP) earnings time is at Jul 23, 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 (Q2) is 2.54.

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