NASDAQ$BPOP

Popular Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

BPOP reported Q4 2025, net income of $233.9M, diluted EPS of $3.53.

For Q4 2025, BPOP reported net income of $233.9M, diluted EPS was $3.53. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Net income $233.9M.
  • Diluted EPS $3.53.
  • BPOP highlights liquidity, operations, and forward priorities.

Headline financials

Total Revenue

$824M

Previous: $591M+39.5%
EPS (adj)

$3.53

Previous: $2.51+40.6%
Net Interest Margin

3.6%

Previous: 3.4%+7.8%
Common Equity Tier 1

15.7%

Previous: 16.0%-1.9%
Common Equity/Share

$94.75

Previous: $79.71+18.9%
Tangible Book Value/Share

$82.65

Previous: $68.16+21.3%
NPLs to Loans

1.3%

No prior period
NCOs to Avg Loans

0.5%

No prior period
Allowance for Loan Losses to Loans

2.0%

No prior period
Allowance for Loan Losses to NPLs

162.2%

No prior period
Net Income

$234M

Previous: $178M+31.5%
Operating Income

$279M

Previous: $222M+25.7%

Revenue & EPS history

Popular · Revenue · Quarterly

$824M

Q4 2025+39.5%vs Q4 2024
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

The release discusses BPOP's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • BPOP cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 2025

+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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro