NASDAQ$BPOP

Popular Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Reported net income of $211.4 million, with increases in net interest income and non-interest income.

Popular, Inc. reported a net income of $211.4 million for the quarter ended June 30, 2022. The company saw increases in both net interest income and non-interest income compared to the first quarter. Loan growth was broad-based, with balances increasing in all categories except mortgage.

  • Net income reached $211.4 million.
  • Net interest income increased by $39.6 million to $533.9 million.
  • Loan growth was broad based with balances increasing in all categories, except mortgage.
  • Credit quality remained strong with net charge offs at near record lows.

Headline financials

Total Revenue

$691M

Previous: $642M+7.6%
EPS (adj)

$2.77

Previous: $2.66+4.1%
Net Interest Margin

3.1%

Previous: 2.9%+6.2%
Common Equity Tier 1

16.4%

Previous: 16.6%-1.0%
Common Equity/Share

$55.78

No prior period
Tangible Book Value/Share

$46.18

No prior period
Capital Expenditures

-$39.7M

Previous: -$36.5M-8.8%
Free Cash Flow

$172M

Previous: $182M-5.4%
Net Income

$211M

Previous: $218M-3.1%
Operating Income

$472M

Previous: $442M+6.7%
Gross Profit

$682M

Previous: $625M+9.0%
Cash & Equivalents

$19.9B

Previous: $36.1B-44.9%
Total Assets

$71.5B

Previous: $72.7B-1.6%

Revenue & EPS history

Popular · Revenue · Quarterly

$691M

Q2 2022+7.6%vs Q2 2021
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

The Corporation expects its ETR for the year 2022 to be within a range from 17% to 20%. This range includes the impact of the recently closed Evertec transaction and the effect of the expected reduction in Popular’s voting interest in Evertec through the sale of its holdings of common stock or a conversion of such shares to non-voting preferred stock, either of which would trigger mark-to-market accounting on any remaining stake in Evertec.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

+1.2%

Avg return

Earnings day

+1.9%

Avg return

5 days after

+3.9%

Avg return

30 days after

59%

41 / 69 earnings

Positive

+15.3%

Q4 2012

Best reaction

-12.0%

Q2 2012

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.2%+1.6%+1.4%
Q4 2025+6.3%+8.7%+16.0%
Q3 2025-1.2%-2.6%-0.5%
Q2 2025+0.3%+0.3%+3.9%
Q1 2025+5.9%+7.4%+14.6%
Q4 2024-1.3%-0.8%-3.2%
Q3 2024-11.0%-9.7%-1.0%
Q2 2024-0.7%-0.8%-3.4%
Q1 2024+3.6%+1.6%+3.7%
Q4 2023+4.9%+7.2%-0.1%
Q3 2023+8.1%+8.4%+20.4%
Q2 2023+4.6%+7.4%-5.4%
Q1 2023+3.2%+2.7%+3.5%
Q4 2022-3.9%-3.1%+4.3%
Q3 2022-6.9%-6.0%-4.3%
Q2 2022-3.0%-4.1%-0.1%
Q1 2022-0.4%-2.5%+0.9%
Q4 2021-0.8%+3.8%+3.4%
Q3 2021+1.5%+6.0%+3.5%
Q2 2021-0.2%+0.5%+3.5%
Q1 2021+0.4%-0.1%+8.5%
Q4 2020+2.9%+11.0%+21.2%
Q3 2020+7.6%+11.6%+29.4%
Q2 2020+2.6%+0.6%-1.6%
Q1 2020-11.3%-13.3%-5.6%
Q4 2019-2.9%-3.7%-16.3%
Q3 2019-1.6%+0.8%+0.2%
Q2 2019+5.4%+4.7%-6.2%
Q1 2019+1.5%+3.4%-1.0%
Q4 2018+3.4%+6.1%+11.6%
Q3 2018-0.1%+1.2%+7.0%
Q2 2018+6.4%+6.0%+8.4%
Q1 2018+6.3%+8.1%+6.1%
Q4 2017+7.1%+5.2%+9.9%
Q3 2017+1.6%+0.1%+3.7%
Q2 2017+1.9%-0.4%-4.3%
Q1 2017+6.0%+4.0%-5.2%
Q4 2016+2.3%+2.0%+1.0%
Q3 2016-4.2%-6.3%+6.3%
Q2 2016+7.3%+8.3%+21.6%
Q1 2016+0.4%
Q4 2015+8.8%
Q3 2015-4.9%
Q2 2015+5.8%
Q1 2015-2.0%
Q4 2014+0.7%
Q3 2014+4.3%
Q2 2014-1.0%
Q1 2014+5.3%
Q4 2013+2.8%
Q3 2013-2.7%
Q2 2013+3.0%
Q1 2013-0.4%
Q4 2012+15.3%
Q3 2012-0.5%
Q2 2012-12.0%
Q1 2012+0.0%
Q4 2010+2.7%
Q4 2011+2.7%
Q3 2011-8.2%
Q2 2011+4.1%
Q1 2010-1.0%
Q1 2011-1.7%
Q4 2008-2.5%
Q3 2009+1.9%
Q3 2010+1.9%
Q2 2009+3.4%
Q4 2009+3.4%
Q2 2010+3.4%

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