Popular, Inc. is the largest bank in Puerto Rico. It operates through its main subsidiary, Banco Popular de Puerto Rico, which offers everyday banking services like checking accounts, loans, mortgages, and credit cards to individuals and businesses on the island. It also runs Popular Bank, a smaller U.S. mainland operation focused on commercial banking.

The company makes money primarily through interest income on loans and investments, plus fees from banking services. Popular holds a dominant market position in Puerto Rico, giving it a strong local brand and deep customer relationships built over more than 125 years. However, the business is heavily tied to Puerto Rico's economy, which has faced long-term population decline and fiscal challenges — meaning any slowdown in the island's recovery or a rise in interest rates could pressure loan demand and credit quality going forward.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+40.8% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

2.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$75.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Popular is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+6.6%

Slow sales growth (+6.6% YoY)

Profit growth

EPS YoY

+43.7%

Earnings growing fast (+43.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

11.4x

no trend

Attractive valuation — P/E 11.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.1

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

1.69%

no trend

Small dividend — 1.69% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+10.3%

no trend

Dividend growing fast (10.3% YoY)

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Popular

Winston Score History

Growth Profile

Every number that matters to educated investors.

Bank Quality

Growth

Capital Strength

Asset Quality

Valuation

Dividends