POPULAR, Inc. (BPOPM) intrinsic value & 10-year financials
POPULAR, Inc. (BPOPM) has a Graham intrinsic value of $408.55 per share. Over the last 10 fiscal years revenue grew 6.7% a year to $2.5B, with an average return on invested capital of 9.6%.
- Graham intrinsic value
- $408.55
- Revenue (FY2025)
- $2.5B
- Revenue growth (10-yr CAGR)
- 6.7%
- ROIC (10-yr avg)
- 9.6%
- Free cash flow (FY2025)
- $681.0M
BPOPM 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.5B | $833.2M | $12.30 | $681.0M | — | 12.2% |
| FY2024 | $2.3B | $614.2M | $8.56 | $461.3M | — | 10.1% |
| FY2023 | $2.1B | $541.3M | $7.52 | $478.6M | — | 10.0% |
| FY2022 | $2.2B | $1.1B | $14.63 | $910.7M | — | 18.8% |
| FY2021 | $2.0B | $934.9M | $11.46 | $932.4M | — | 13.8% |
| FY2020 | $1.9B | $506.6M | $5.87 | $618.7M | — | 7.3% |
| FY2019 | $1.9B | $671.1M | $6.88 | $629.7M | — | 10.0% |
| FY2018 | $1.7B | $618.2M | $6.06 | $767.0M | — | 9.3% |
| FY2017 | $1.5B | $107.7M | $1.02 | $572.8M | — | 1.6% |
| FY2016 | $1.4B | $216.7M | $2.06 | $489.1M | — | 3.1% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
POPULAR, INC. has demonstrated mature, steady growth, with revenue compounding at 6.7% annually over the past decade.
POPULAR, INC. returns on capital have been average, hovering around 9.6% ROIC over the decade.
Over the decade, POPULAR, INC. shows that management has aggressively returned capital to shareholders by retiring 34.6% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, POPULAR, INC. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $408.55 per share.