NASDAQ$BPOP

Popular Inc · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Popular achieved a strong quarter, reporting a net income of $151.2 million, driven by loan portfolio growth and positive credit quality trends.

Popular, Inc. reported a net income of $151.2 million for the quarter ended June 30, 2023. The company saw growth in loan portfolios in both Puerto Rico and the United States, which maintained net interest income despite higher deposit costs. The deposit base remained strong and well-diversified, and results were bolstered by positive credit quality trends and healthy non-interest income.

  • Net income was $151.2 million, compared to $159.0 million in the previous quarter.
  • Net interest margin was 3.14%, compared to 3.22% in the previous quarter.
  • Loans increased by $692.5 million from the prior quarter.
  • Ending deposit balances increased by $3.1 billion from the prior quarter.

Headline financials

Total Revenue

$692M

Previous: $691M+0.1%
EPS (adj)

$2.10

Previous: $2.77-24.2%
Common Equity Tier 1

16.9%

Previous: 16.4%+2.9%
NPLs to Loans

1.2%

No prior period
Capital Expenditures

-$85.3M

Previous: -$39.7M-115.0%
Free Cash Flow

$65.8M

Previous: $172M-61.7%
Net Income

$151M

Previous: $211M-28.5%
Operating Income

$175M

Previous: $472M-62.9%
Gross Profit

$655M

Previous: $682M-4.0%
Cash & Equivalents

$17.7B

Previous: $19.9B-11.3%
Total Assets

$70.8B

Previous: $71.5B-0.9%

Revenue & EPS history

Popular · Revenue · Quarterly

$692M

Q2 2023+0.1%vs Q2 2022
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

The Corporation expects the ETR for the year 2023 to be within a range from 22% to 25%

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 2023

Historical avgQ2 2023

+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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