📊 AI Stock Rating — Summary

BPOP, with its latest quarter ending on September 30, 2025, reported revenue of $1.16 billion and net income of $231 million, resulting in an EPS of $3.1. The company's net margin stands at approximately 20%. While free cash flow data for the latest quarter isn't available, historically, the company maintains a strong conversion from operating cash flow to free cash flow. Over the past four quarters, the company's revenue has grown from approximately $1.05 billion to $1.16 billion, indicating steady growth. Net income and EPS have also seen consistent improvements. Despite fluctuations in its net debt position, which changed from a net cash position to $869 million in net debt recently, BPOP maintains a solid balance sheet. The company's ongoing stock repurchases and dividends, totaling $0.75 per share recently, showcase its commitment to returning value to shareholders. Analyst price targets stabilize at $153, indicating potential market confidence. The analyst price target consensus of $153 suggests possible upside at the time of analysis.

AI Score Breakdown

Revenue Growth — Score: 7/10

Revenue growth has been steady from $1.05 billion to $1.16 billion over the last year, driven by consistent operational performance.

Profitability — Score: 8/10

Operating margins remain robust with an EPS increase from $2.5 to $3.1; efficiency remains high with a stable cost structure.

Cash Flow Quality — Score: 7/10

Strong free cash flow conversion from operating cash flow, although FCF for the last quarter is unavailable. Regular dividends and buybacks indicate solid liquidity.

Leverage & Balance Sheet — Score: 7/10

Net debt has increased recently, but prior periods showed a strong net cash position, signaling financial resilience.

Shareholder Returns — Score: 8/10

Regular dividends and stock repurchases highlight shareholder return focus. Although price performance data isn't provided, sustained payouts enhance value.

Analyst Sentiment & Valuation — Score: 8/10

With a consensus target price of $153, analysts indicate confidence. Valuation appears optimistic relative to current performance and return metrics.

⚠ AI-generated — informational only, not financial advice.