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Market Price

24.04 

0.00 0.0%

as of Oct 19 '18

52 Week Range:

20.75 24.92


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services primarily to institutional and retail customers. The company accepts various deposit products. It also offers commercial and industrial loans; commercial real estate loans; residential mortgage loans; consumer loans, including personal loans, credit cards, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company provides financial advisory, investment banking, investment and securities brokerage, and insurance and reinsurance services. As of December 31, 2017, it owned and occupied approximately 67 branch premises and other facilities in Puerto Rico; and 62 offices comprising 6 owned and 56 leased in New York, New Jersey, and Florida. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Earnings BIT -123.50
-218.93
-562.25
245.63
266.25
218.87
348.00
485.32
379.28
420.63
growth rate 0.0% 0.0% 100.0% 8.4% -17.8% 59.0% 18.1% -21.9% 10.9%
Avg.PE 2.45
1.86
11.04
21.08
growth rate -24.1% 493.6% 90.9%
ROA -0.17
-3.07
0.26
-0.15
0.39
0.65
1.65
-0.92
2.59
0.57
0.25
growth rate 0.0% 100.0% -100.0% 100.0% 66.7% 153.9% -100.0% 100.0% -78.0% -56.1%
ROE -2.24
-49.39
4.56
-1.75
3.87
6.09
13.79
-7.22
19.23
4.17
2.04
growth rate 0.0% 100.0% -100.0% 100.0% 57.4% 126.4% -100.0% 100.0% -78.3% -51.1%
ROIC 9.85
-6.58
16.28
6.97
7.72
9.20
13.02
3.73
growth rate -100.0% 100.0% -57.2% 10.8% 19.2% 41.5% -71.4%
Leverage 13.08
21.79
13.96
10.33
9.65
8.99
7.81
7.84
7.08
7.51
8.76
growth rate 66.6% -35.9% -26.0% -6.6% -6.8% -13.1% 0.4% -9.7% 6.1% 16.6%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 66.95
78.76
46.63
77.51
growth rate 17.6% -40.8% 66.2%
Acct.Payable 24,807.54
27,209.72
30,496.22
35,453.51
growth rate 9.7% 12.1% 16.3%
Cur.Assets 3,210.21
3,424.48
4,075.44
6,583.93
growth rate 6.7% 19.0% 61.6%
Total Assets 38,882.80
34,736.30
38,815.00
37,348.40
36,507.50
35,749.30
33,096.70
35,761.73
38,661.61
44,277.34
growth rate -10.7% 11.7% -3.8% -2.3% -2.1% -7.4% 8.1% 8.1% 14.5%
Cash 785.00
677.30
1,249.70
1,583.80
1,278.00
1,100.60
381.10
363.67
362.39
402.86
growth rate -13.7% 84.5% 26.7% -19.3% -13.9% -65.4% -4.6% -0.4% 11.2%
Inventory 265.77
191.92
212.57
188.86
growth rate -27.8% 10.8% -11.2%
Cur.Liabilities 25,428.35
27,979.35
30,978.73
35,942.18
growth rate 10.0% 10.7% 16.0%
Liabilities 35,614.40
32,197.50
35,014.50
33,429.70
32,397.50
31,123.20
28,829.31
30,656.41
33,463.65
39,173.43
growth rate -9.6% 8.8% -4.5% -3.1% -3.9% -7.4% 6.3% 9.2% 17.1%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
2,398.91
1,662.51
1,574.85
1,517.71
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% 19.2% -30.7% -5.3% -3.6%
Equity 3,268.40
2,538.80
3,800.50
3,918.80
4,110.00
4,626.20
4,217.22
5,055.16
5,147.80
5,053.75
growth rate -22.3% 49.7% 3.1% 4.9% 12.6% -8.8% 19.9% 1.8% -1.8%
Common Shares 29.56
63.95
102.27
102.59
103.17
103.40
1.04
1.04
1.04
1.04
growth rate 116.3% 59.9% 0.3% 0.6% 0.2% -99.0% 0.2% 0.2% 0.2%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 86.10
29.40
52.40
35.10
35.10
28.50
51.05
62.66
100.32
62.70
growth rate -65.9% 78.2% -33.0% 0.0% -18.8% 79.1% 22.7% 60.1% -37.5%
Cash Dividends 188.60
71.40
0.30
3.70
3.70
3.70
3.72
19.26
65.93
95.91
growth rate -62.1% -99.6% 1,133.3% 0.0% 0.0% 0.6% 417.2% 242.4% 45.5%
Cash From OA 1,257.50
628.90
163.20
676.70
524.10
819.30
873.00
670.14
589.47
635.51
growth rate -50.0% -74.1% 314.6% -22.6% 56.3% 6.6% -23.2% -12.0% 7.8%
Sale Purchase of Stock 5.39
6.23
7.44
7.02
growth rate 15.4% 19.5% -5.7%
FCF 636.00
1,069.00
558.00
95.00
625.00
467.00
781.00
822.00
605.00
489.00
573.00
growth rate 68.1% -47.8% -83.0% 557.9% -25.3% 67.2% 5.3% -26.4% -19.2% 17.2%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 2,109.20
1,997.80
2,583.10
1,925.50
1,907.80
2,243.10
1,061.45
1,687.05
1,686.17
1,666.76
growth rate -5.3% 29.3% -25.5% -0.9% 17.6% -52.7% 58.9% -0.1% -1.2%
Op.Income -218.90
-562.20
245.60
199.50
218.90
348.00
-6.90
541.45
518.11
515.56
growth rate 0.0% 100.0% -18.8% 9.7% 59.0% -100.0% 100.0% -4.3% -0.5%
IBT -132.23
398.83
294.34
338.51
growth rate 100.0% -26.2% 15.0%
Net Income -1,243.90
-573.90
137.40
151.30
245.30
599.30
-313.49
895.34
216.69
107.68
growth rate 0.0% 100.0% 10.1% 62.1% 144.3% -100.0% 100.0% -75.8% -50.3%
Gross Profit 1,061.45
1,687.05
1,686.17
1,666.76
growth rate 58.9% -0.1% -1.2%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 152.12
21.35
101.06
134.82
growth rate -86.0% 373.3% 33.4%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 60.51
271.00
77.51
91.68
88.55
growth rate 347.9% -71.4% 18.3% -3.4%
Acct.Payable 33,122.03
34,248.94
35,453.51
37,134.09
39,377.56
growth rate 3.4% 3.5% 4.7% 6.0%
Cur.Assets 5,415.52
7,001.98
6,583.93
8,060.02
9,687.98
growth rate 29.3% -6.0% 22.4% 20.2%
Total Assets 41,242.67
42,601.27
44,277.34
45,756.76
47,535.18
growth rate 3.3% 3.9% 3.3% 3.9%
Cash 405.69
517.44
402.86
280.08
400.57
growth rate 27.6% -22.1% -30.5% 43.0%
Inventory 206.45
198.27
188.86
168.39
142.06
growth rate -4.0% -4.8% -10.8% -15.6%
Cur.Liabilities 33,529.62
34,863.94
35,942.18
37,704.97
39,688.93
growth rate 4.0% 3.1% 4.9% 5.3%
Liabilities 35,964.62
37,315.84
39,173.43
40,691.85
42,245.52
growth rate 3.8% 5.0% 3.9% 3.8%
LT Debt 1,560.83
1,532.06
1,517.71
1,545.89
1,543.43
growth rate -1.8% -0.9% 1.9% -0.2%
Equity 5,227.89
5,235.27
5,053.75
5,014.75
5,239.50
growth rate 0.1% -3.5% -0.8% 4.5%
Common Shares 1.04
1.04
1.04
1.04
1.04
growth rate 0.1% 0.0% 0.1% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 11.35
10.17
22.54
13.05
18.64
growth rate -10.4% 121.7% -42.1% 42.9%
Cash Dividends 26.55
26.12
26.14
26.14
26.48
growth rate -1.6% 0.1% 0.0% 1.3%
Cash From OA 194.15
263.80
-8.27
190.08
181.06
growth rate 35.9% -100.0% 100.0% -4.8%
Sale Purchase of Stock 2.03
1.69
1.50
4.71
growth rate -16.6% -11.1% 213.9%
FCF 182.80
253.63
-30.80
177.04
162.42
growth rate 38.8% -100.0% 100.0% -8.3%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 438.79
387.67
403.02
435.48
486.14
growth rate -11.7% 4.0% 8.1% 11.6%
Op.Income 157.14
97.74
105.47
128.86
164.75
growth rate -37.8% 7.9% 22.2% 27.9%
IBT 131.96
0.70
79.90
113.48
251.22
growth rate -99.5% 11,347.6% 42.0% 121.4%
Net Income 96.23
20.66
-102.15
91.32
279.78
growth rate -78.5% -100.0% 100.0% 206.4%
Gross Profit 438.79
387.67
403.02
435.48
486.14
growth rate -11.7% 4.0% 8.1% 11.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (12.44)

YOY Growth Grade:

F (13.75)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.57 8.57
EPS / Growth 2.81

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.7% 3.7% 3.7%
Future PE 0.01 5.33 5.33
Future EPS 4.04 4.04 4.04
Value Price
MOS %
0.01
-100.0%
5.31
-77.9%
5.31
-77.9%
MOS Price 0.01 2.66 2.66
IRT 7.34 7.34 7.34

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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