BPOPM Popular, Inc. - Popular Capital Trust II - 6.125% Cumulative Monthly Income Trust Preferred Securities
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Sobre Popular, Inc. - Popular Capital Trust II - 6.125% Cumulative Monthly Income Trust Preferred Securities Visão geral da empresa da Wikipedia
Popular, Inc., doing business as Banco Popular de Puerto Rico (BPPR) or simply as Banco Popular in Puerto Rico and the British and U.S. Virgin Islands, and as Popular Bank in the United States, is a full-service financial services conglomerate headquartered at Popular Center in the Milla de Oro financial district in the Hato Rey business center of San Juan, the capital city and municipality of the archipelago and island of Puerto Rico. Founded in 1893, it is the largest banking institution in Puerto Rico in terms of assets and deposits, and it ranks among the largest bank and thrift holding companies in total assets in the United States. In recent years, it has expanded into other areas of the Caribbean and Latin America.
History
The bank was founded in Puerto Rico in 1893 when the island was still under Spanish administration. It was led in its early stages by Rafael Carrión Sr. and Don Manuel Muñoz Barrios, the latter of which was the company's first president and administrator.
During the 1970s, the company's commercials were popular on Puerto Rican television: they presented a balding, middle aged man in a white tee shirt, announcing the company in a comic way. The 1970s also saw a giant step in the development of Banco Popular as Puerto Rico's biggest bank, when it bought two-thirds of the Banco de Crédito y Ahorro Ponceño. Through this purchase, Popular entered the credit-card industry.
During the following decades, Banco Popular put great of emphasis on the company's public image. It was during the 1980s, after Rafael Carrion, Sr.'s death, that Richard L. Carrión assumed the role as President of the corporation.
In 1989, the bank introduced a children's savings service with a bear, "Populoso", as its mascot. The Club del Ahorro (or Savings Club) was (and still is) intended to encourage children to open savings accounts and keep track of their money.
1990s
The following decade started with a big development for the bank, when in 1990 it merged with Banco de Ponce, one of the largest banks in Puerto Rico. At this time, Banco Popular's holding company changed its name to BanPonce Corporation. Popular acquired Banco Roig, one of the main banks in the eastern side of the island, in 1997, entering a geographical market in which it had yet to succeed.
During the late 1990s, the company began to diversify its services thanks to revisions of state laws that allowed banks certain 'privileges' related to different financial services other than banking. These years saw the birth of Popular Auto, Popular Finance, Popular Mortgage, Popular Insurance, Popular Leasing, among others.
During this time, the company created one of its flagship subsidiaries, Popular Securities. It quickly became the investment banking, retail brokerage, and institutional sales arm of Banco Popular. On the retail side, Popular Securities has an extensive network of brokers in Puerto Rico, rivaled only by Swiss giant UBS and more recently by Banco Santander. Popular Securities has additional offices in New York City, San Antonio, Houston, and Chicago.
2000s
Due to its growth in Puerto Rico, and the aggressive expansion in the United States, the company changed its name once again in 2000 to Popular, Inc., a name that goes back to the traditional roots of the corporation and which also reflects the common title in almost all of the subsidiaries of the company.
During this period, the company reorganized itself into three main subsidiary companies: Banco Popular de Puerto Rico, with David Chafey Jr. as president; Popular Bank, with Roberto Herencia as president; and Evertec, with Felix Villamil as president. Richard Carrión remained as president and CEO of the parent company, Popular, Inc.
In the January 24, 2005 issue of Fortune, Popular, Inc. was chosen as one of the 100 Best Companies to Work For.
On April 11, 2005, Popular Bank announced a five-year agreement with the New York Mets under which Popular would operate seven ATMs and display various advertisements at Shea Stadium until it closed in September 2008, and the team moved to the new Citi Field.
Present
Popular's world headquarters are located in the San Juan's Hato Rey business district, on a stretch of a thoroughfare commonly known as Milla de Oro ("The Golden Mile") due to the number of banks headquartered in the area. Travelers who fly into the Luis Muñoz Marín International Airport can appreciate Popular's landmark building below.
Between 2010 and 2012, the bank re-branded its mainland branches as Popular Community Bank in an effort to attract more non-Hispanic customers. The first branches to bear the new name were in the Chicago market followed by those in Southern California and Florida, then New York City and New Jersey.
As of January, 2012, Popular, Inc. still owed $935 million to the US government Troubled Asset Relief Program.
In March 2013, Popular announced it would sell a $568 million portfolio of non-performing loans to a joint venture between Caribbean Property Group and funds affiliated with Perella Weinberg Partners.
In 2014, Popular Community Bank sold many of its mainland United States branches in Central Florida, Illinois and Southern California to cut costs and shore up its reserves against losses caused by foreclosures and the recession in Puerto Rico. After the sale, Popular Community Bank retained 49 branches in South Florida, New Jersey, and New York. On September 12, 2014, Harbor Community Bank purchased Popular's branches in Orlando and central Florida. On November 7, 2014, Banc of California in Irvine purchased 20 branches of Popular Community Bank in southern California.
In 2018, Popular Community Bank changed its name to Popular Bank (Legal name) and Popular, commercial name.
Stats
Banco Popular was ranked the Best Consumer Internet Bank in Puerto Rico by Global Finance in 2007.
Timeline (2005–present)
2005: Popular completes acquisition of Quaker City Bank, establishing California as the largest region of Popular Bank. Popular also purchases New Jersey's Infinity Mortgage for an undisclosed amount. On August 3, 2005, Popular announced the purchase of E-Loan for an estimated $300 million merger agreement. A month later, on September 21, Popular announced that it would sell Popular Cash Express to ACE Cash Express for $36 million. Popular was ranked as the 691st largest company in the world by Forbes.
2007: Banco Popular North America sells five of six branches in Texas region to Prosperity Bank.
2007: Banco Popular acquires Citibank's retail business in Puerto Rico, including nine branches, as well as the operations in Puerto Rico of broker-dealer Smith Barney, a Citibank subsidiary.
2008: Popular agrees to sell certain assets of Equity One, the U.S. mainland consumer finance operations of Popular Financial Holdings, to American General Finance, a member of American International Group.
2010: Banco Popular acquires competitor Westernbank, after it failed and the Federal Deposit Insurance Corporation seized its deposits. On October 1, 2010, Popular sold 51% Evertec participating to Apollo Management.
2015: Banco Popular acquires the deposits of Doral Bank after regulators declared it insolvent.
2018: Popular Community Bank changed its name to Popular Bank (Legal name) and Popular, commercial name.
2026: Jorge J. García becomes President and Chief Executive Officer of Popular, Inc., succeeding Javier D. Ferrer, who retired effective August 31, 2026.
Subsidiaries and services
Puerto Rico
Banco Popular de Puerto Rico
Popular Auto
Popular Securities
Popular Asset Management
Popular Insurance
Popular Mortgage
Popular Risk Services
United States
Popular Bank
Popular Business Banking
Popular Association Banking
Popular Equipment Finance
Popular Direct
Popular Private Client
Virgin Islands
Banco Popular Virgin Islands
Former subsidiaries
Popular Cash Express (sold to ACE Cash Express on 09/21/2005)
Musical tradition
For its 100th Anniversary celebration, Popular gathered a group of Latin-American musicians in an effort to create a musical televised show. After the large success of this venture, the company began to produce annual live Christmas concerts and television specials with various Puerto Rican and international singers and artists. The concerts and specials are aired on local television stations and then released on CDs and DVD.
Competitors (in Puerto Rico)
OFG Bancorp
First BanCorp
Fonte: Wikipedia (Inglês), CC BY-SA 4.0 · Ver na Wikipedia ↗
Desempenho de 10 Anos Tendências de receita, lucro líquido, margens e EPS
Avaliação Rácios P/E, P/S, P/B, EV/EBITDA — a ação está cara ou barata?
| Métrica | Tendência de 5 anos | BPOPM | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| P/E | 2.1 | · | · | · | |
| P/B (MRQ) | 0.3 | · | · | · | |
| Preço / FCF (TTM) | 2.0 | · | · | · | |
| Preço / Fluxo de Caixa (TTM) | 1.6 | · | · | · | |
| Preço / Valor Patrimonial Tangível (MRQ) | 0.3 | · | · | · | |
| PEG Ratio | ≈0.1 | · | · | · |
A mediana dos pares é calculada em uma base padronizada por métrica e pode não corresponder sempre à base TTM/MRQ mostrada para esta ação.
Lucratividade Margens bruta, operacional e líquida; ROE, ROA, ROIC
| Métrica | Tendência de 5 anos | BPOPM | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| EBITDA Margin (Margem EBITDA) | 1.7% | · | · | · | |
| Pretax Margin (Margem de Impostos Pré-Tributação) | 31.5% | · | · | · | |
| Net Profit Margin (Margem de Lucro Líquido) | 26.0% | · | · | · | |
| ROA | 1.1% | · | · | · | |
| ROE | 13.7% | · | · | · |
Saúde financeira Dívida, liquidez, solvência — força do balanço patrimonial
Ainda não há dados fundamentais suficientes para calcular este grupo de proporções.
Crescimento Crescimento da receita, EPS e lucro líquido: YoY, CAGR 3 anos, CAGR 5 anos
| Métrica | Tendência de 5 anos | BPOPM | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| Revenue YoY (Receita Ano a Ano) | 8.8% | · | · | · | |
| Revenue CAGR 3Y (CAGR Receita 3A) | 1.5% | · | · | · | |
| Revenue CAGR 5Y (CAGR Receita 5A) | 6.2% | · | · | · | |
| EPS YoY | 43.7% | · | · | · | |
| Net Income YoY (Lucro Líquido Ano a Ano) | 35.6% | · | · | · | |
| EPS CAGR 3Y (CAGR de LPA 3A) | -5.6% | · | · | · | |
| EPS CAGR 5Y (CAGR de LPA 5A) | 16.0% | · | · | · | |
| Net Income CAGR 3Y (CAGR de Lucro Líquido 3A) | -8.9% | · | · | · | |
| Net Income CAGR 5Y (CAGR de Lucro Líquido 5A) | 10.5% | · | · | · |
Eficiência de Capital Giro de ativos, giro de estoques, giro de contas a receber
| Métrica | Tendência de 5 anos | BPOPM | média 5A | Mediana de Pares | Veredito |
|---|---|---|---|---|---|
| Asset Turnover (Giro do Ativo) | 0.0 | · | · | · |
valor · ≈ média 5A · mediana do setor · veredicto relativo à mediana
Dividendos Rendimento, índice de pagamento, histórico de dividendos, CAGR de 5 anos
| Data ex | Valor | Moeda | Rendimento |
|---|---|---|---|
| Set 15, 2026 | $0,13 | USD | ≈6.1% |
| Ago 14, 2026 | $0,13 | USD | ≈6.1% |
| Jul 15, 2026 | $0,13 | USD | ≈6.1% |
| Jun 15, 2026 | $0,13 | USD | ≈6.1% |
| Mai 15, 2026 | $0,13 | USD | ≈6.0% |
| Abr 15, 2026 | $0,13 | USD | ≈6.0% |
| Mar 13, 2026 | $0,13 | USD | ≈6.1% |
| Fev 13, 2026 | $0,13 | USD | ≈6.1% |
| Jan 15, 2026 | $0,13 | USD | ≈6.0% |
| Dez 15, 2025 | $0,13 | USD | ≈6.1% |
| Nov 14, 2025 | $0,13 | USD | ≈6.1% |
| Out 15, 2025 | $0,13 | USD | ≈6.1% |
| Set 15, 2025 | $0,13 | USD | ≈6.1% |
| Ago 15, 2025 | $0,13 | USD | ≈6.1% |
| Jul 15, 2025 | $0,13 | USD | ≈6.1% |
| Jun 13, 2025 | $0,13 | USD | ≈6.2% |
| Mai 15, 2025 | $0,13 | USD | ≈6.0% |
| Abr 15, 2025 | $0,13 | USD | ≈6.0% |
| Mar 14, 2025 | $0,13 | USD | ≈6.1% |
| Fev 14, 2025 | $0,13 | USD | ≈6.1% |
Fundamentos Completos Todas as métricas por ano — demonstração de resultados, balanço patrimonial, fluxo de caixa
Demonstração de Resultados
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | $1.24B | $1.39B | $1.11B | $299M | $165M | $235M | $369M | $287M | $224M | $213M | $194M | $688M | |
| Interest Income | $3.78B | $3.67B | $3.25B | $2.47B | $2.12B | $2.09B | $2.26B | $2.02B | $1.73B | $1.63B | $1.60B | $1.63B | |
| Pretax Income | $1.01B | $797M | $676M | $1.23B | $1.24B | $619M | $818M | $738M | $339M | $294M | $399M | $-132M | |
| Income Tax | $174M | $182M | $134M | $132M | $309M | $112M | $147M | $120M | $231M | $79M | $-495M | $58M | |
| Net Income | $833M | $614M | $541M | $1.10B | $935M | $507M | $671M | $618M | $108M | $217M | $895M | $-313M | |
| EPS (Basic) | $12.31 | $8.56 | $7.53 | $14.65 | $11.49 | $5.88 | $6.89 | $6.07 | $1.02 | $2.06 | $8.66 | $-3.08 | |
| EPS (Diluted) | $12.30 | $8.56 | $7.52 | $14.63 | $11.46 | $5.87 | $6.88 | $6.06 | $1.02 | $2.06 | $8.65 | $-3.08 | |
| Shares (Basic) | 67,586,130 | 71,590,757 | 71,710,265 | 75,147,263 | 81,263,027 | 85,882,371 | 96,848,835 | 101,142,258 | 101,966,429 | 103,275,264 | 102,967,186 | 102,848,792 | |
| Shares (Diluted) | 67,612,847 | 71,623,702 | 71,791,692 | 75,274,003 | 81,420,154 | 85,975,259 | 96,997,800 | 101,308,643 | 102,045,336 | 103,377,283 | 103,124,309 | 102,848,792 | |
| EBITDA | $53M | $57M | $58M | $55M | $55M | $58M | $58M | $52M | $48M | $47M | $48M | $47M |
Balanço Patrimonial
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $686M | $602M | $565M | $499M | $494M | $510M | $557M | $570M | $547M | $544M | $503M | $495M | |
| PP&E (Gross) | $1.07B | $960M | $999M | $961M | $930M | $949M | $991M | $937M | $896M | $903M | $869M | $844M | |
| Accum. Depreciation | $631M | $606M | $605M | $586M | $559M | $575M | $562M | $534M | $512M | $515M | $504M | $475M | |
| Goodwill | $790M | $803M | $804M | $827M | $720M | $671M | $671M | $671M | $627M | $627M | $626M | $466M | |
| Intangibles | $5M | $7M | $10M | $13M | $16M | $22M | $29M | $27M | $36M | $45M | $58M | $38M | |
| Total Assets | $75.35B | $73.05B | $70.76B | $67.64B | $75.10B | $65.93B | $52.12B | $47.60B | $44.28B | $38.66B | $35.76B | $33.09B | |
| Total Liabilities | $69.10B | $67.43B | $65.61B | $63.54B | $69.13B | $59.90B | $46.10B | $42.17B | $39.17B | $33.46B | $30.66B | $28.83B | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Paid-in Capital | $4.92B | $4.91B | $4.84B | $4.79B | $4.65B | $4.57B | $4.45B | $4.37B | $4.30B | $4.26B | $4.23B | $4.20B | |
| Retained Earnings | $5.21B | $4.57B | $4.19B | $3.83B | $2.97B | $2.26B | $2.15B | $1.65B | $1.19B | $1.22B | $1.09B | $254M | |
| Treasury Stock | $2.72B | $2.23B | $2.02B | $2.03B | $1.35B | $1.02B | $460M | $206M | $90M | $8M | $6M | $4M | |
| AOCI | $-1.18B | $-1.66B | $-1.90B | $-2.52B | $-325M | $-325M | $190M | $-428M | $-351M | $-320M | $-257M | $-230M | |
| Stockholders' Equity | $6.25B | $5.61B | $5.15B | $4.09B | $5.97B | $6.03B | $6.02B | $5.44B | $5.10B | $5.20B | $5.11B | $4.27B | |
| Liabilities + Equity | $75.35B | $73.05B | $70.76B | $67.64B | $75.10B | $65.93B | $52.12B | $47.60B | $44.28B | $38.66B | $35.76B | $33.10B | |
| Shares Outstanding | 65,719,385 | 70,141,291 | 72,153,621 | 71,853,720 | 79,851,169 | 84,244,235 | 95,589,629 | 99,942,845 | 102,068,981 | 103,790,932 | 103,618,976 | 103,476,847 |
Fluxo de Caixa
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $53M | $57M | $58M | $55M | $55M | $58M | $58M | $52M | $47M | $46M | $48M | $47M | |
| Deferred Tax | $6M | $24M | $-43M | $-33M | $229M | $75M | $141M | $-14M | $207M | $61M | $-519M | $44M | |
| Amort. of Intangibles | $2M | $3M | $3M | $3M | $9M | $6M | $9M | $9M | $9M | $12M | $11M | $8M | |
| Restructuring | · | · | · | · | · | · | · | · | $0 | $0 | $18M | $27M | |
| Other Non-cash | $-14M | $-20M | $130M | $-110M | $-214M | $39M | $-165M | $191M | $272M | $265M | $246M | $1.10B | |
| Operating Cash Flow | $878M | $675M | $687M | $1.01B | $1.01B | $679M | $705M | $848M | $636M | $597M | $670M | $873M | |
| CapEx | $197M | $213M | $208M | $104M | $73M | $60M | $76M | $81M | $63M | $100M | $63M | $51M | |
| Investing Cash Flow | $-1.76B | $-1.63B | $-2.61B | $5.35B | $-10.52B | $-13.07B | $-4.17B | $-4.39B | $-5.35B | $-3.45B | $238M | $25M | |
| Stock Issued | · | · | · | · | · | · | · | · | · | $7M | $6M | $5M | |
| Stock Repurchased | · | $217M | · | · | · | · | · | · | · | · | · | · | |
| Net Stock Activity | · | $-217M | · | · | · | · | · | · | · | $7M | $6M | $5M | |
| Dividends Paid | $198M | $180M | $160M | $162M | $141M | $134M | $116M | $105M | $96M | $66M | $19M | $4M | |
| Financing Cash Flow | $865M | $960M | $1.88B | $-6.32B | $9.45B | $12.49B | $3.46B | $3.53B | $4.75B | $2.85B | $-926M | $-941M | |
| Net Change in Cash | $-16M | $2M | $-49M | $42M | $-63M | $103M | $-9M | $-9M | $38M | $-5M | $-17M | $-42M | |
| Taxes Paid | $204M | $187M | $185M | $179M | $65M | $13M | $14M | $4M | $2M | $4M | $7M | $55M | |
| Free Cash Flow | $681M | $461M | $479M | $911M | $932M | $619M | $630M | $767M | $573M | $489M | $607M | $822M | |
| Levered FCF | $-347M | $-611M | $-414M | $644M | $808M | $426M | $327M | $526M | $502M | $334M | · | · |
Lucratividade
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 26.0% | 20.9% | 19.5% | 36.0% | 36.0% | 21.4% | 27.3% | 25.9% | 5.6% | 12.6% | · | · | |
| Pretax Margin | 31.5% | 27.1% | 24.3% | 40.3% | 47.9% | 26.1% | 33.2% | 30.9% | 17.6% | 17.1% | · | · | |
| EBITDA Margin | 1.7% | 1.9% | 2.1% | 1.8% | 2.1% | 2.5% | 2.4% | 2.2% | 2.5% | 2.7% | · | · | |
| ROA | 1.1% | 0.85% | 0.77% | 1.6% | 1.2% | 0.77% | 1.3% | 1.3% | 0.25% | 0.56% | 2.6% | -0.91% | |
| ROE | 13.7% | 10.8% | 11.3% | 28.4% | 15.6% | 8.5% | 11.3% | 11.6% | 2.1% | 4.1% | 17.6% | -7.3% |
Eficiência
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | · | · |
Por Ação
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $95.09 | $80.03 | $71.33 | $56.97 | $74.76 | $71.56 | $62.94 | $54.38 | $50.00 | $50.08 | $49.27 | $41.24 | |
| Revenue / Share | $47.32 | $41.06 | $38.75 | $40.71 | $31.93 | $27.55 | $25.38 | $23.57 | $18.83 | $16.64 | · | · | |
| Cash Flow / Share | $12.99 | $9.42 | $9.56 | $13.48 | $12.35 | $7.89 | $7.27 | $8.37 | $6.23 | $5.70 | $6.50 | $8.49 | |
| Dividend / Share | $2.90 | $2.56 | $2.27 | $2.20 | $0.45 | $1.60 | $1.20 | $1.00 | $1.00 | $0.15 | $0.30 | $0.00 | |
| Dividend Paid / Share | · | $2.56 | $2.27 | $2.20 | $1.75 | $1.60 | $1.20 | $1.00 | $1.00 | $0.60 | $0.00 | $0.00 | |
| EPS (TTM) | $12.30 | $8.56 | $7.52 | $14.63 | $11.46 | $5.87 | $6.88 | $6.06 | $1.02 | $2.06 | $8.65 | $-3.08 |
Taxas de Crescimento
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 8.8% | 5.7% | -9.2% | 17.9% | 9.7% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 1.5% | 4.2% | 5.5% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.2% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 43.7% | 13.8% | -48.6% | 27.7% | 95.2% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | -5.6% | -9.3% | 8.6% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 16.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 35.6% | 13.5% | -50.9% | 17.9% | 84.5% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -8.9% | -13.1% | 2.2% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 10.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 8.1% | · | · | · | · | · | · | · | · | · | · | · |
Avaliação (TTM)
| Métrica | Tendência | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $833M | $614M | $541M | $1.10B | $935M | $507M | $671M | $618M | $108M | $217M | $895M | $-313M | |
| Market Cap | $1.65B | $1.80B | $1.81B | $1.81B | $2.08B | $2.12B | $2.58B | $2.42B | $2.31B | $2.33B | $1.81B | $2.17B | |
| P/E | 2.0 | 3.0 | 3.3 | 1.7 | 2.3 | 4.3 | 3.9 | 4.0 | 22.2 | 10.9 | 2.0 | -6.8 | |
| P/B | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 | 0.4 | 0.4 | 0.5 | |
| P / Tangible Book | 0.3 | 0.4 | 0.4 | 0.6 | 0.4 | 0.4 | · | · | · | · | · | · | |
| P / Cash Flow | 1.9 | 2.7 | 2.6 | 1.8 | 2.1 | 3.1 | 3.7 | 2.9 | 3.6 | 4.0 | 2.7 | 2.5 | |
| P / FCF | 2.4 | 3.9 | 3.8 | 2.0 | 2.2 | 3.4 | 4.1 | 3.2 | 4.0 | 4.8 | 3.0 | 2.6 | |
| Dividend Yield | 12.0% | 10.0% | 8.8% | 8.9% | 6.8% | 6.3% | 4.5% | 4.4% | 4.2% | 2.8% | 1.1% | 0.17% | |
| Earnings Yield | 49.1% | 33.3% | 29.9% | 58.0% | 43.9% | 23.3% | 25.5% | 25.0% | 4.5% | 9.2% | 49.4% | -14.7% | |
| Payout Ratio | 23.7% | 29.4% | 29.5% | 14.6% | 15.1% | 26.4% | 17.3% | 17.1% | 89.1% | 30.4% | 2.1% | -1.2% | |
| Annual Payout | $198M | $180M | $160M | $162M | $141M | $134M | $116M | $105M | $96M | $66M | $19M | $4M |
Demonstração de Resultados
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | $39M | · | · | · | $39M | · | · | · | $37M | |
| Interest Expense | $288M | $277M | $298M | $320M | $312M | $311M | $329M | $365M | $354M | $343M | |
| Interest Income | $982M | $947M | $955M | $967M | $944M | $917M | $920M | $937M | $922M | $894M | |
| Pretax Income | $324M | $293M | $279M | $247M | $258M | $223M | $222M | $198M | $218M | $159M | |
| Income Tax | $46M | $47M | $45M | $36M | $48M | $45M | $44M | $42M | $40M | $56M | |
| Net Income | $278M | $246M | $234M | $211M | $210M | $178M | $178M | $155M | $178M | $103M | |
| EPS (Basic) | $4.35 | $3.78 | $3.51 | $3.15 | $3.09 | $2.56 | $2.50 | $2.16 | $2.47 | $1.43 | |
| EPS (Diluted) | $4.35 | $3.78 | $3.51 | $3.14 | $3.09 | $2.56 | $2.51 | $2.16 | $2.46 | $1.43 | |
| Shares (Basic) | 63,880,929 | 64,818,440 | · | 67,058,260 | 68,050,361 | 69,280,137 | · | 71,807,136 | 71,970,773 | 71,869,735 | |
| Shares (Diluted) | 63,915,810 | 64,857,608 | · | 67,093,814 | 68,079,649 | 69,307,681 | · | 71,828,402 | 71,991,911 | 71,966,803 |
Balanço Patrimonial
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $732M | $706M | $686M | $680M | $649M | $625M | $602M | $624M | $599M | $589M | |
| PP&E (Gross) | · | · | $1.07B | · | · | · | $960M | · | · | · | |
| Accum. Depreciation | · | · | $631M | · | · | · | $606M | · | · | · | |
| Goodwill | $790M | $790M | $790M | $790M | $803M | $803M | $803M | $804M | $804M | $804M | |
| Intangibles | $4M | $5M | $5M | $5M | $6M | $6M | $7M | $8M | $8M | $9M | |
| Total Assets | $78.97B | $76.13B | $75.35B | $75.07B | $76.07B | $74.04B | $73.05B | $71.32B | $72.85B | $70.94B | |
| Total Liabilities | $72.54B | $69.82B | $69.10B | $68.95B | $70.11B | $68.24B | $67.43B | $65.53B | $67.47B | $65.76B | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Paid-in Capital | $4.94B | $4.93B | $4.92B | $4.92B | $4.92B | $4.91B | $4.91B | $4.85B | $4.85B | $4.85B | |
| Retained Earnings | $5.63B | $5.40B | $5.21B | $5.02B | $4.86B | $4.70B | $4.57B | $4.50B | $4.39B | $4.25B | |
| Treasury Stock | $3.00B | $2.88B | $2.72B | $2.57B | $2.46B | $2.35B | $2.23B | $2.07B | $2.01B | $2.01B | |
| AOCI | $-1.16B | $-1.17B | $-1.18B | $-1.28B | $-1.40B | $-1.49B | $-1.66B | $-1.51B | $-1.88B | $-1.93B | |
| Stockholders' Equity | $6.43B | $6.31B | $6.25B | $6.12B | $5.95B | $5.80B | $5.61B | $5.79B | $5.37B | $5.18B | |
| Liabilities + Equity | $78.97B | $76.13B | $75.35B | $75.07B | $76.07B | $74.04B | $73.05B | $71.32B | $72.85B | $70.94B | |
| Shares Outstanding | 63,866,681 | 64,654,788 | 65,719,385 | 66,959,866 | 67,937,468 | 68,984,148 | 70,141,291 | 71,787,349 | 72,365,926 | 72,284,875 |
Fluxo de Caixa
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Amort. of Intangibles | $384.0K | $384.0K | $384.0K | $384.0K | $385.0K | $597.0K | $705.0K | $704.0K | $734.0K | $795.0K | |
| Operating Cash Flow | $347M | $192M | $268M | $195M | $243M | $172M | $199M | $233M | $80M | $162M | |
| CapEx | $57M | $37M | $47M | $54M | $45M | $52M | $60M | $58M | $42M | $54M | |
| Investing Cash Flow | $-3.15B | $-1.10B | $79M | $826M | $-1.78B | $-887M | $-1.42B | $1.88B | $-1.73B | $-357M | |
| Stock Repurchased | · | · | · | $-120M | · | · | · | $-59M | · | · | |
| Net Stock Activity | · | · | · | $120M | · | · | · | · | · | · | |
| Dividends Paid | $49M | $50M | $51M | $48M | $49M | $50M | $45M | $45M | $45M | $45M | |
| Financing Cash Flow | $2.78B | $887M | $-322M | $-1.04B | $1.56B | $676M | $1.22B | $-2.04B | $1.69B | $97M | |
| Net Change in Cash | $-20M | $-18M | $26M | $-24M | $20M | $-39M | $-6M | $68M | $39M | $-99M | |
| Free Cash Flow | · | $155M | · | · | · | $121M | · | · | · | $108M | |
| Levered FCF | · | $-78M | · | · | · | $-128M | · | · | · | $-116M |
Lucratividade
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.8% | 633.7% | · | 25.8% | 26.3% | 454.5% | · | 21.1% | 24.2% | 14.4% | |
| Pretax Margin | 37.1% | 754.8% | · | 30.2% | 32.3% | 569.9% | · | 26.9% | 29.7% | 22.2% | |
| ROA | 0.36% | 0.33% | · | 0.29% | 0.28% | 0.24% | · | 0.22% | 0.25% | 0.15% | |
| ROE | 4.5% | 4.1% | · | 3.5% | 3.7% | 3.2% | · | 3.0% | 3.6% | 2.1% |
Eficiência
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Por Ação
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $100.73 | $97.61 | · | $91.33 | $87.64 | $84.07 | · | $80.66 | $74.24 | $71.62 | |
| Revenue / Share | $13.67 | $0.60 | · | $12.19 | $11.75 | $0.56 | · | $10.25 | $10.20 | $9.93 | |
| Cash Flow / Share | · | $2.95 | · | · | · | $2.48 | · | · | · | $2.25 | |
| Dividend / Share | $0.75 | $0.75 | $0.75 | $0.75 | $0.70 | $0.70 | $0.70 | $0.62 | $0.62 | $0.62 | |
| EPS (TTM) | $14.78 | $13.52 | · | $11.30 | $10.32 | $9.69 | · | $7.35 | $7.09 | $6.73 |
Avaliação (TTM)
| Métrica | Tendência | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $969M | $901M | · | $777M | $721M | $688M | · | $531M | $512M | $486M | |
| Market Cap | $1.60B | $1.60B | · | $1.69B | $1.68B | $1.78B | · | $1.83B | $1.83B | $1.84B | |
| P/E | 1.7 | 1.8 | · | 2.2 | 2.4 | 2.7 | · | 3.5 | 3.6 | 3.8 | |
| P/B | 0.2 | 0.3 | · | 0.3 | 0.3 | 0.3 | · | 0.3 | 0.3 | 0.4 | |
| P / Tangible Book | 0.3 | 0.3 | · | 0.3 | 0.3 | 0.4 | · | 0.4 | 0.4 | 0.4 | |
| P / Cash Flow | · | 8.4 | · | · | · | 10.4 | · | · | · | 11.4 | |
| Dividend Yield | 12.4% | 12.3% | · | 11.4% | 11.3% | 10.4% | · | 9.6% | 9.3% | 9.0% | |
| Earnings Yield | 59.1% | 54.6% | · | 44.9% | 41.8% | 37.5% | · | 28.8% | 28.1% | 26.5% | |
| Payout Ratio | · | 20.3% | · | · | · | 28.1% | · | · | · | 43.5% | |
| Annual Payout | $198M | $198M | · | $192M | $189M | $185M | · | $176M | $170M | $165M |
Período mais recente à esquerda · valores nulos mostrados como ·
Demonstrações Financeiras Demonstração de resultados, balanço patrimonial, fluxo de caixa — anual, últimos 5 anos
| Métrica | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Lucro líquido | $833M | · | · | $614M | · |
| EPS Diluído | $12.30 | · | · | $8.56 | · |
Ainda não há dados fundamentais suficientes para construir esta demonstração.
| Métrica | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Fluxo de caixa livre | $681M | · | · | $461M | · |
Executivos da empresa 46 insiders · 23 diretores · 21 conselheiros
| Investidor com informação privilegiada | Função | Última atividade | Ações detidas | Compras 12m | Vendas 12m | Líquido 12m |
|---|---|---|---|---|---|---|
| Javier D. Ferrer | PRESIDENT & CEO | 31 de Agosto de 2026 F | 85.992 | 0 | 1 | $-6.140.050 |
| Ignacio Alvarez | CEO & PRESIDENT | 23 de Fevereiro de 2022 F | 202.085 | 0 | 0 | $0 |
| Jorge J. Garcia | Executive Vice President & CFO | 19 de Agosto de 2026 A | 25.411 | 0 | 0 | $0 |
| Carlos J Vazquez | Executive Vice President & CFO | 23 de Fevereiro de 2022 F | 127.390 | 0 | 0 | $0 |
| Jorge A Junquera | Sr. EVP & CFO | 20 de Julho de 2012 I | 109.870 | 0 | 0 | $0 |
| Adorno Denissa Rodriguez | Senior VP & Comptroller | 24 de Agosto de 2026 S | 2.492 | 0 | 2 | $-216.114 |
| Eduardo J. Negron | Executive Vice President | 30 de Junho de 2026 F | 38.442 | 0 | 0 | $0 |
| Maria Cristina Gonzalez-Noguera | Executive Vice President | 1 de Maio de 2026 S | 11.255 | 0 | 1 | $-920.762 |
| Hector Alejandro Flores | Executive Vice President | 27 de Abril de 2026 F | 5.821 | 0 | 0 | $0 |
| Jose R. Coleman-Tio | EVP & CHIEF LEGAL OFFICER | 25 de Fevereiro de 2026 A | 21.578 | 0 | 0 | $0 |
| Beatriz Castellvi | EVP & Chief Security Officer | 25 de Fevereiro de 2026 F | 31.694 | 0 | 0 | $0 |
| Manuel Chinea | Executive Vice President | 25 de Fevereiro de 2026 F | 34.829 | 0 | 0 | $0 |
| Camille Burckhart | Executive Vice President | 25 de Fevereiro de 2026 A | 31.803 | 0 | 0 | $0 |
| Eli Sepulveda | Executive Vice President | 25 de Fevereiro de 2026 F | 39.011 | 0 | 0 | $0 |
| Juan Guerrero | Executive Vice President | 23 de Fevereiro de 2022 F | 48.810 | 0 | 0 | $0 |
| Gilberto Monzon | EXECUTIVE VICE PRESIDENT | 23 de Fevereiro de 2022 F | 45.914 | 0 | 0 | $0 |
| Rivera O. Nestor | EXECUTIVE VICE PRESIDENT | 11 de Março de 2016 F | 36.355 | 0 | 0 | $0 |
| Ileana Gonzalez | Executive Vice President | 11 de Março de 2016 F | 32.462 | 0 | 0 | $0 |
| Ricardo Toro | EXECUTIVE VICE PRESIDENT | 18 de Fevereiro de 2011 J | 83.693 | 0 | 0 | $0 |
| Amilcar Jordan | EVP | 18 de Fevereiro de 2011 J | 251.039 | 0 | 0 | $0 |
| Felix Villamil | EVP | 3 de Agosto de 2007 P | 55.351 | 0 | 0 | $0 |
| Samuel T Cespedes | Secretary Board of Directors | 22 de Maio de 2007 P | 28.149 | 0 | 0 | $0 |
| Cameron Williams | EVP | 29 de Agosto de 2006 J | 22.497 | 0 | 0 | $0 |
| Maria Luisa Ferre | Conselheiro | 30 de Julho de 2026 S | 10.156 | 0 | 2 | $-1.128.375 |
| Bertil E. Chappuis | Conselheiro | 1 de Julho de 2026 A | · | 0 | 0 | $0 |
| Jose Ramon Rodriguez | Conselheiro | 1 de Julho de 2026 A | · | 0 | 0 | $0 |
| Robert Carrady | Conselheiro | 1 de Julho de 2026 A | 2.052 | 0 | 0 | $0 |
| Betty K Devita | Conselheiro | 1 de Julho de 2026 A | · | 0 | 0 | $0 |
| Carlos Unanue | Conselheiro | 1 de Julho de 2026 A | 0 | 0 | 0 | $0 |
| Alejandro M Ballester | Conselheiro | 1 de Julho de 2026 A | 34.588 | 0 | 2 | $-3.762.700 |
| Kim C Goodwin | Conselheiro | 1 de Julho de 2026 A | 46.203 | 0 | 0 | $0 |
| Richard L Carrion | Conselheiro | 1 de Julho de 2026 A | 75.031 | 0 | 1 | $-2.837.500 |
| Alejandro M Sanchez | Conselheiro | 22 de Maio de 2026 S | 3.960 | 0 | 2 | $-249.481 |
| Myrna Soto | Conselheiro | 8 de Maio de 2026 F | 4.533 | 0 | 0 | $0 |
| Iii Joaquin E Bacardi | Conselheiro | 3 de Janeiro de 2022 A | 29.722 | 0 | 0 | $0 |
| John W Diercksen | Conselheiro | 3 de Janeiro de 2022 A | 21.458 | 0 | 0 | $0 |
| William J Teuber JR | Conselheiro | 1 de Outubro de 2019 A | 63.356 | 0 | 0 | $0 |
| David E. Goel | Conselheiro | 8 de Maio de 2018 A | 12.828 | 0 | 0 | $0 |
| Jose R Vizcarrondo | Conselheiro | 2 de Agosto de 2012 J | 33.695 | 0 | 0 | $0 |
| Manuel Morales JR | Conselheiro | 2 de Agosto de 2012 J | 21.503 | 0 | 0 | $0 |
| Michael Masin | Conselheiro | 2 de Fevereiro de 2012 J | 156.927 | 0 | 0 | $0 |
| Frederic V Salerno | Conselheiro | 10 de Maio de 2011 J | 164.875 | 0 | 0 | $0 |
| Francisco M Rexach JR | Conselheiro | 29 de Maio de 2008 J | 324.996 | 0 | 0 | $0 |
| Lidio Soriano | · | 10 de Agosto de 2026 S | 107.320 | 0 | 1 | $-523.500 |
| Luis E. Cestero | · | 4 de Agosto de 2026 S | 16.013 | 0 | 1 | $-1.499.060 |
| Juan J Bermudez | · | 29 de Maio de 2008 J | 1.437.349 | 0 | 0 | $0 |
Executivos de declarações SEC Formulário 3/4/5; líquido = apenas P/V de mercado aberto
Comparação de pares (subindústria GICS) Métricas chave vs pares do setor
Base do ano fiscal, preços no fechamento do último ano fiscal de cada empresa.
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