Popular, Inc. Financial Ratios — BPOP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	195.82	-74.62	132.71	18.44	8.6	43.14	35.11	22.89	35.65	32.34	13.45	13.98	17.01
Return on Assets (%)	0.4	0.66	1.66	-0.91	2.6	0.58	0.26	1.35	1.35	0.86	1.33	1.55	0.78	0.85	1.12
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.75	3.2	2.74	4.32	3.03	3.47	3.05	2.65	2.78	2.87	2.59	1.99	2.33	2.14	1.8
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.03	10.2	14.53	-10.09	20.68	17.32	17.86	31.27	33.77	27.41	50.19	42.04	25.55	28.47	33.04
Profit Margin (%)	7.41	13.82	28.33	-23.93	46.43	12.75	5.68	26.2	27.69	22.45	37.72	37.54	20.47	21.95	27.35
Net Income to Common Margin (%)	7.22	13.61	28.15	-24.21	46.23	12.53	5.49	26.04	27.54	22.37	37.67	37.49	20.42	21.9	27.3
Effective Tax Rate (%)	43.16	- -	- -	- -	- -	26.77	68.19	16.21	17.99	18.1	24.84	10.72	19.87	22.9	17.25
Dvd Payout Ratio (%)	- -	- -	- -	- -	1.74	29.37	88.68	16.55	16.79	26.12	15	14.54	29.35	29.22	23.58
Sustainable Growth Rate (%)	- -	- -	195.82	-74.62	130.39	13.02	0.97	36	29.21	16.91	30.3	27.64	9.5	9.89	13

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	2,153	2,414	1,986	1,733	1,664	1,576	1,633	1,256	1,287	1,400	1,237	1,414	1,140	1,248	1,542
ST Debt	296	636	401	21	1	1	96	- -	- -	- -	75	365	- -	225	650
LT Debt	1,856	1,778	1,585	1,712	1,663	1,575	1,536	1,256	1,287	1,400	1,162	1,049	1,140	1,023	892
Total Debt/EBITDA	38.37	42.49	34.21	30.63	28.44	26.7	28.27	20.06	19.08	21.59	19.26	24.22	18.48	20.79	28.05
Net Debt/EBITDA	10.14	20	15.25	-5.64	-13.4	-28.01	-70.04	-53.16	-37.8	-168.19	-263.11	-82.77	-104.27	-94.63	-65.84
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.57	0.04	1.67	0.77	3.05	3.16	2.7	3.47	4.12	3.43	3.96	5.67	5.93	6.26	6.91
Long-Term Debt/Equity (%)	47.37	43.25	34.26	40.11	32.56	30.3	30.1	23.11	21.38	23.22	19.47	25.62	22.14	18.22	14.27
Long-Term Debt/Capital (%)	93.24	71.77	60.22	84	59.31	55.31	53.37	42.45	36.91	38	27.45	19.9	21.27	17.51	13.17
Long-Term Debt/Total Assets (%)	4.97	4.87	4.43	5.17	4.65	4.07	3.47	2.64	2.47	2.12	1.55	1.55	1.61	1.4	1.18
Total Debt/Equity (%)	54.93	58.73	42.93	40.61	32.59	30.32	31.99	23.11	21.38	23.22	20.73	34.54	22.14	22.23	24.67
Total Debt/Capital (%)	108.11	97.46	75.47	85.04	59.36	55.35	56.71	42.45	36.91	38	29.22	26.82	21.27	21.36	22.77
Total Debt/Total Assets (%)	5.76	6.61	5.56	5.24	4.65	4.08	3.69	2.64	2.47	2.12	1.65	2.09	1.61	1.71	2.05
Net Debt to Equity	14.51	27.64	19.14	-7.48	-15.35	-31.8	-79.23	-61.26	-42.36	-180.92	-283.14	-118.05	-124.97	-101.18	-57.92
Net Debt/Capital (%)	139.67	94.74	57.83	2,216.57	-220.5	433.37	145.51	207.31	1,545.58	129.11	123.09	594.52	312.01	592.33	-207.75
EBITDA	56	57	58	57	58	59	58	63	67	65	64	58	62	60	55
EBITDA-CapEx	4	- -	19	6	-68	-41	-5	-18	-19	5	-9	-45	-146	-153	-142
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.57	0.04	1.67	0.77	3.05	3.16	2.7	3.47	4.12	3.43	3.96	5.67	5.93	6.26	6.91
Long-Term Debt/Equity (%)	47.37	43.25	34.26	40.11	32.56	30.3	30.1	23.11	21.38	23.22	19.47	25.62	22.14	18.22	14.27
Long-Term Debt/Capital (%)	93.24	71.77	60.22	84	59.31	55.31	53.37	42.45	36.91	38	27.45	19.9	21.27	17.51	13.17
Long-Term Debt/Total Assets (%)	4.97	4.87	4.43	5.17	4.65	4.07	3.47	2.64	2.47	2.12	1.55	1.55	1.61	1.4	1.18
Total Debt/Equity (%)	54.93	58.73	42.93	40.61	32.59	30.32	31.99	23.11	21.38	23.22	20.73	34.54	22.14	22.23	24.67
Total Debt/Capital (%)	108.11	97.46	75.47	85.04	59.36	55.35	56.71	42.45	36.91	38	29.22	26.82	21.27	21.36	22.77
Total Debt/Total Assets (%)	5.76	6.61	5.56	5.24	4.65	4.08	3.69	2.64	2.47	2.12	1.65	2.09	1.61	1.71	2.05
CFO/Total Liabilities	2.02	1.62	2.63	3.03	2.19	1.78	1.62	2.01	1.53	1.13	1.45	1.6	1.05	1	1.27
CFO/CapEx	13.07	9.17	21.22	17.1	5.3	5.95	10.15	10.52	8.2	11.28	13.64	9.78	3.3	3.16	4.45
Altman's Z-Score	0.07	0.09	0.14	0.12	0.16	0.17	0.14	0.17	0.18	0.13	0.15	0.17	0.18	0.19	0.21

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	58.77	17.14	20.22	18.9	26.47	27.1	70	99.13	55.63	40.13	37.87	58.42	90.86	236.26	7,315.33
Days Sales Outstanding	6.21	21.3	18.05	19.31	13.79	13.47	5.21	3.68	6.56	9.1	9.64	6.25	4.02	1.54	0.05
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	1,420	2,130	2,950	3,502	2,918	4,526	3,619	4,776	5,690	4,837	6,667	4,984	5,885	6,734	8,416
- Cash & Cash Equivalents	1,584	1,278	1,101	2,052	2,447	3,229	5,658	4,565	3,651	12,132	17,965	6,084	7,419	6,801	5,029
+ Preferred Equity and Hybrid Capital	50	50	50	50	50	50	50	50	50	22	22	22	22	22	22
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2,153	2,414	1,986	1,733	1,664	1,576	1,633	1,256	1,287	1,400	1,237	1,414	1,140	1,248	1,542
Enterprise Value	-1,233	-165	-122	-1,062	-3,139	-4,795	-10,140	-11,503	-14,070	-27,308	-34,914	-17,340	-17,028	-17,012	-15,594
Total Capital	1,991	2,477	2,632	2,038	2,803	2,848	2,879	2,959	3,486	3,684	4,234	5,271	5,358	5,842	6,772
Total Debt/Capital (%)	108.11	97.46	75.47	85.04	59.36	55.35	56.71	42.45	36.91	38	29.22	26.82	21.27	21.36	22.77
Total Debt / EV	-1.75	-14.64	-16.26	-1.63	-0.53	-0.33	-0.16	-0.11	-0.09	-0.05	-0.04	-0.08	-0.07	-0.07	-0.1
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	1,422	2,134	2,961	3,502	2,923	4,530	3,622	4,784	5,699	4,842	6,680	4,992	5,892	6,737	8,419
Diluted Enterprise Value	2,041	3,320	3,896	3,233	2,189	2,927	-354	1,525	3,385	-5,868	-10,026	344	-366	1,206	4,954
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	2,043	1,774	2,116	1,310	1,929	1,699	1,895	2,359	2,424	2,257	2,478	2,937	2,644	2,799	3,047
TTM EBITDA	56	57	58	57	58	59	58	63	67	65	64	58	62	60	55
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	677	524	819	873	670	597	636	848	705	679	1,005	1,015	687	675	878
TTM Free Cash Flow to Firm	728	581	858	924	797	697	699	928	791	739	1,079	1,118	895	888	1,076

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.95	3.67	3.45	3.79	3.67	6.5	5.18	5.15	7.2	6.55	6.19	4.46	6.59	7.59	7.83
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1,233	-165	-122	-1,062	-3,139	-4,795	-10,140	-11,503	-14,070	-27,308	-34,914	-17,340	-17,028	-17,012	-15,594
Low Price	10.8	13.38	21.01	24.71	26.6	22.4	32.05	35.17	45.93	23.69	54.01	62.55	49.34	79.01	78.23
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	9.62	8.82	4.95	- -	3.27	21.25	34.81	7.77	8.53	9.58	7.14	4.53	10.9	10.99	10.12
Price/Earnings Average	16.84	7.41	4.91	-9.94	3.64	15.99	38.68	7.75	7.9	7.28	6.47	5.37	8.67	10.65	8.83
Price/Earnings High	24.85	9.84	5.92	-11.33	4.14	21.78	45.08	9.64	8.66	10.45	7.59	6.79	10.99	12.27	10.51
Price/Earnings Low	7.48	5.67	3.62	-8.01	3.07	10.86	31.44	5.79	6.66	4.03	4.7	4.27	6.55	9.23	6.36
Price/Book Value	-6.71	165.62	4.95	13.75	2.68	3.71	3.03	2.89	2.65	2.14	2.24	1.3	1.4	1.47	1.62
Price/Book Value Average	-11.74	139.21	4.91	12.38	2.98	2.79	3.36	2.88	2.45	1.62	2.03	1.54	1.12	1.43	1.41
Price/Book Value High	-17.33	184.82	5.92	14.11	3.39	3.8	3.92	3.58	2.69	2.33	2.38	1.95	1.41	1.64	1.68
Price/Book Value Low	-5.21	106.59	3.62	9.98	2.52	1.89	2.73	2.15	2.07	0.9	1.48	1.23	0.84	1.24	1.02
Price/Tangible Book Value	0.47	0.66	0.79	0.98	0.7	1.06	0.86	1.06	1.11	0.93	1.32	1.65	1.44	1.48	1.63
Price/Tangible Book Value Average	0.83	0.56	0.79	0.88	0.78	0.8	0.95	1.05	1.03	0.71	1.2	1.96	1.14	1.44	1.43
Price/Tangible Book Value High	1.22	0.74	0.95	1.01	0.89	1.08	1.11	1.31	1.13	1.02	1.4	2.48	1.45	1.66	1.7
Price/Tangible Book Value Low	0.37	0.43	0.58	0.71	0.66	0.54	0.77	0.79	0.87	0.39	0.87	1.56	0.86	1.25	1.03
Price/Sales	0.7	1.2	1.39	2.67	1.51	2.66	1.91	2.02	2.35	2.14	2.69	1.7	2.23	2.41	2.76
Price/Sales Average	1.22	1.01	1.38	2.41	1.68	2	2.12	2.02	2.18	1.63	2.44	2.01	1.77	2.33	2.41
Price/Sales High	1.8	1.34	1.67	2.74	1.91	2.73	2.47	2.51	2.38	2.34	2.86	2.55	2.24	2.69	2.87
Price/Sales Low	0.54	0.77	1.02	1.94	1.42	1.36	1.72	1.51	1.84	0.9	1.77	1.6	1.34	2.02	1.74
Price/Cash Flow	2.1	4.06	3.6	4.01	4.35	7.59	5.69	5.64	8.07	7.13	6.63	4.91	8.57	9.98	9.58
Price/Cash Flow Average	3.67	3.42	3.57	3.61	4.84	5.71	6.32	5.62	7.48	5.41	6.01	5.83	6.82	9.67	8.36
Price/Cash Flow High	5.42	4.53	4.3	4.12	5.51	7.77	7.36	6.99	8.19	7.78	7.05	7.37	8.64	11.14	9.95
Price/Cash Flow Low	1.63	2.61	2.63	2.91	4.09	3.88	5.13	4.2	6.31	3	4.37	4.63	5.15	8.38	6.02
Price/Free Cash Flow Average	3.42	3.09	3.42	3.41	4.08	4.89	5.76	5.14	6.68	4.98	5.61	5.3	5.24	7.35	6.83
Price/Free Cash Flow High	5.04	4.1	4.13	3.89	4.64	6.66	6.71	6.39	7.31	7.15	6.58	6.7	6.64	8.47	8.13
Price/Free Cash Flow Low	1.52	2.36	2.52	2.75	3.44	3.32	4.68	3.84	5.63	2.76	4.08	4.21	3.96	6.37	4.92
EV/Sales Average	1.52	1.68	1.83	2.2	1.3	1.06	0.02	0.64	1.22	- -	- -	0.43	- -	0.35	1.27
EV/Sales High	2.1	2.01	2.11	2.54	1.53	1.79	0.38	1.13	1.43	- -	- -	0.96	- -	0.71	1.73
EV/Sales Low	0.84	1.44	1.46	1.73	1.04	0.42	- -	0.13	0.88	- -	- -	0.02	- -	0.04	0.6
EV/EBITDA Average	55.33	52.39	66.52	50.99	42.95	30.54	0.79	23.98	43.91	-108.49	-166.04	21.76	-25.57	16.55	70.62
EV/EBITDA High	76.42	62.71	76.87	58.78	50.53	51.43	12.32	42.52	51.38	-83.75	-149.81	48.44	-5.26	33.11	95.94
EV/EBITDA Low	30.7	45	53.29	40.17	34.28	12.04	-12.25	4.76	31.65	-133.77	-191.73	0.89	-44.08	2.09	33.14
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.9	20.79	28.73	34.05	28.34	43.82	35.49	47.22	58.75	56.32	82.04	66.32	82.07	94.06	124.52
High Price	35.9	23.2	34.34	34.95	35.83	44.91	45.96	58.55	59.67	61.46	87.15	99.49	82.74	105.01	129.32
Enterprise Value Average	3,104	2,976	3,861	2,885	2,512	1,803	46	1,502	2,961	-7,035	-10,666	1,270	-1,578	993	3,882
Enterprise Value High	4,287	3,562	4,462	3,325	2,956	3,035	711	2,663	3,465	-5,431	-9,624	2,828	-324	1,987	5,275
Enterprise Value Low	1,722	2,557	3,093	2,272	2,005	711	-707	298	2,134	-8,675	-12,317	52	-2,719	126	1,822

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	103	103	103	103	104	104	102	100	96	84	80	72	72	70	66
Diluted Weighted Avg Shares	102	103	103	103	103	103	102	101	97	86	81	75	72	72	68
Basic Weighted Avg Shares	102	102	103	103	103	103	102	101	97	86	81	75	72	72	68
Revenue per Share	20	17.32	20.6	12.74	18.73	16.45	18.58	23.33	25.02	26.28	30.5	39.09	36.87	39.09	45.08
EBITDA per Share	0.55	0.55	0.57	0.55	0.57	0.57	0.57	0.62	0.7	0.76	0.79	0.78	0.86	0.84	0.81
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.44	2.36	5.8	-3.08	8.66	2.06	1.02	6.07	6.89	5.88	11.49	14.65	7.53	8.56	12.31
Basic EPS from Cont Ops	1.48	2.03	5.44	-1.85	8.68	2.09	1.06	6.11	6.93	5.9	11.5	14.67	7.55	8.58	12.33
Diluted EPS, GAAP	1.44	2.35	5.78	-3.08	8.65	2.06	1.02	6.06	6.88	5.87	11.46	14.63	7.52	8.56	12.3
Diluted EPS from Cont Ops	1.48	2.02	5.42	-1.85	8.67	2.09	1.06	6.1	6.92	5.89	11.48	14.65	7.54	8.58	12.32
Dividend per Share	0.04	0.04	0.04	0.04	0.19	0.64	0.94	1.04	1.2	1.56	1.74	2.15	2.23	2.52	2.92
Cash Flow per Share	6.62	5.12	7.98	8.49	6.51	5.78	6.24	8.38	7.28	7.9	12.37	13.5	9.57	9.42	13
Free Cash Flow per Basic Share	6.12	4.56	7.6	7.99	5.28	4.81	5.63	7.58	6.39	7.2	11.46	12.12	6.67	6.44	10.08
Cash & Equivalents per Share	47.52	46.46	49.75	61.71	75.47	106	151.43	173.86	217.83	390.85	527.18	316.17	335.73	349.43	378.38
Book Value per Share	-2.07	0.13	5.8	2.48	10.58	11.83	11.73	16.34	22.19	26.34	36.61	51.04	58.51	63.86	77.05
Tangible Book Value per Share	29.41	31.27	36.24	34.67	40.39	41.43	41.41	44.66	52.82	60.48	62.08	40.2	57.16	63.37	76.23

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Per Share Data Items (USD)