Analyst Consensus ?
ConsensusBuy21 ratings
Bullish1885.7%
Neutral314.3%
Bearish00.0%
Popular, Inc. · BPOP · FY2025 Q4 · Calendar Q1 2026
Popular maintains 2026 outlook after strong 2025 performance
The supplied analysis supports a constructive but conditional view: Popular enters 2026 with strong 2025 earnings, solid capital, stable credit metrics, and maintained growth guidance. The case depends on executing digital and efficiency initiatives while managing funding costs, credit exposure, and Puerto Rico-related uncertainty.
Reported Before market openNASDAQFinancial Services
$10.05B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.38
Consensus $3.02
EPS surprise
+11.9%
Reported versus consensus
Reported revenue
$900.0M
Consensus $839.2M
Revenue surprise
+7.2%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+6.3%
Event window
SPY move
+0.4%
Same window
Abnormal move
+5.9%
Stock minus SPY
Volume
2.6×
Versus trailing sessions
Subsequent drift
+8.2%
Up to 20 sessions
BPOPSPY benchmark
Ask FN2 about BPOP FY2025 Q4
Transcript, numbers and history already loaded
Why did BPOP rise 6.3% after beating EPS estimates in FY2025 Q4?What changed in BPOP's guidance and outlook in FY2025 Q4?Give me the bull and bear case for BPOP after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The current analysis shifts the focus from prior-quarter execution to the 2026 framework: management maintained guidance, highlighted digital platform deployment and cloud transformation, and emphasized deposit growth, expense discipline, and selective capital returns.
Guidance delta
Management maintained its outlook: 3–4% 2026 loan growth, 5–7% NII growth with continued margin expansion, and a ROC fee above 14%.
Key takeaways
- Management reported 2025 net income growth of 36%, with 6% loan growth and stable credit metrics.
- The 2026 outlook calls for 3–4% loan growth and 5–7% NII growth, with continued margin expansion.
- Digital platform rollouts, expense discipline, capital strength, and deposit growth remain central to the plan.
Management priorities
- Deploy commercial cash management and consumer credit origination platforms.
- Complete ERP cloud transformation and other efficiency initiatives.
- Expand the core deposit franchise while evaluating tightly screened U.S. niche M&A.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$159.24Current
$92Low
$160.62Average
$201High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 24, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Barclays | Overweight | Overweight | Maintain | Oct 5, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Sep 30, 2026 |
| Citigroup | Buy | Buy | Maintain | Sep 22, 2026 |
| Benchmark | Buy | Buy | Maintain | Aug 31, 2026 |
| Truist Securities | Buy | Buy | Maintain | Jul 24, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Jul 24, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Jul 24, 2026 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | Jul 24, 2026 |
| UBS | Buy | Buy | Maintain | Apr 24, 2026 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Jul 31, 2018 |
| Keefe Bruyette & Woods | Outperform | Market Perform | Upgrade | Nov 28, 2017 |
| BTIG Research | Buy | Neutral | Upgrade | Oct 31, 2017 |
| BTIG | Buy | Neutral | Upgrade | Oct 31, 2017 |
| Compass Point | Neutral | Buy | Downgrade | Nov 18, 2016 |
| PiperJaffray | Overweight | Overweight | Maintain | Apr 8, 2016 |
| Merion Capital Group | Outperform | Outperform | Maintain | Feb 26, 2016 |
| Stifel Nicolaus | Outperform | Outperform | Maintain | Aug 3, 2015 |
| Stifel | Outperform | Outperform | Maintain | Aug 3, 2015 |
| Guggenheim | Buy | Neutral | Upgrade | Jul 27, 2015 |
| Goldman Sachs | Neutral | Sell | Upgrade | Mar 23, 2015 |
| Sterne Agee | Buy | Buy | Maintain | Mar 3, 2015 |
Named analyst price targets
Upside is calculated against the persisted current price $159.24. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Wells Fargo | Analyst unavailable | $195 | $156.3 | +22.5% | Sep 29, 2026 |
| Wells Fargo | Analyst unavailable | $200 | $174.04 | +25.6% | Aug 10, 2026 |
| Neuberger Berman | Brandon Berman | $181 | $171.98 | +13.7% | Jul 28, 2026 |
| RBC Capital | George Cassidy | $181 | $170.88 | +13.7% | Jul 24, 2026 |
| Barclays | Analyst unavailable | $190 | $170.88 | +19.3% | Jul 24, 2026 |
| Benchmark Co. | Analyst unavailable | $201 | $169 | +26.2% | Jul 15, 2026 |
| Piper Sandler | Manuel Navas | $190 | $167.19 | +19.3% | Jun 26, 2026 |
| UBS | Analyst unavailable | $170 | $148.42 | +6.8% | Apr 24, 2026 |
| UBS | Analyst unavailable | $142 | $141.47 | -10.8% | Feb 4, 2026 |
| Credit Suisse | Analyst unavailable | $156 | $136.69 | -2.0% | Feb 3, 2026 |
| Piper Sandler | Analyst unavailable | $152 | $126.21 | -4.5% | Jan 15, 2026 |
| Truist Financial | Arren Cyganovich | $153 | $125.82 | -3.9% | Oct 9, 2025 |
| RBC Capital | George Cassidy | $96 | $89.73 | -39.7% | Oct 24, 2024 |
| Barclays | Jared Shaw | $104 | $89.73 | -34.7% | Oct 24, 2024 |
| Citigroup | Benjamin Gerlinger | $123 | $102.15 | -22.8% | Jul 30, 2024 |
| Barclays | Jared Shaw | $115 | $99.37 | -27.8% | Jul 25, 2024 |
| UBS | Erika Najarian | $92 | $86.78 | -42.2% | Apr 4, 2024 |
| Wells Fargo | Analyst unavailable | $105 | $78.57 | -34.1% | Apr 27, 2022 |
Track every rating change on BPOP the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationPopular, Inc., along with its subsidiaries, offers a broad spectrum of financial products and services encompassing retail, mortgage, and commercial banking. These operations extend across Puerto Rico, the United States, and the British Virgin Islands. The company provides various deposit options, including interest-bearing accounts such as savings, NOW, and money market accounts, alongside non-interest-bearing demand deposits and certificates of deposit. Its diverse lending activities include commercial and industrial financing, loans for multi-family and commercial real estate, and residential mortgage products.…
Historical context
All BPOP earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FCNCA First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +9.9% | First Citizens raises Q4 outlook after strong loan and deposit growth |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | FY2026 Q3 · Calendar Q4 2026 | — | +0.5% | First Citizens: Strong Q3 Growth, Higher 2026 Guidance |
| FCNCO First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +0.3% | First Citizens reports strong Q3 growth and raises guidance |
| FCNCP First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +1.0% | First Citizens: Strong Q3 growth supports a raised outlook |
| AXP American Express Company | FY2026 Q3 · Calendar Q4 2026 | — | -3.6% | American Express raises EPS outlook as premium cards and AI drive growth |
| BBD Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | -7.7% | +3.0% | Bradesco: Loan growth and capital strength offset credit risks |
Latest beats and misses
Who reports nextBeat on EPS
- FIXFY2026 Q3 · October 22, 2026+8.2% EPS-8.5% move
- DECKFY2027 Q2 · October 22, 2026+13.4% EPS-0.2% move
- OMCFY2026 Q3 · October 22, 2026+2.2% EPS+2.6% move
- SSNCFY2026 Q3 · October 22, 2026+0.6% EPS+2.8% move
- BEFY2026 Q3 · October 22, 2026+36.0% EPS-8.7% move
- ROPFY2026 Q3 · October 22, 2026+1.7% EPS+9.7% move
Missed on EPS
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
- HBANPFY2026 Q3 · October 22, 2026-5.3% EPS0.0% move
Get the BPOP recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-23T23:30:40.009659+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-23T23:30:40.005564+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-23. For educational purposes only; not investment advice.