10 Year Financial Data of Popular Inc (BPOP)

30.38 (1y: +85%)

Market Cap	3.13 B	P/E(ttm)	43.30
Enterprise Value	5.68 B	P/B	0.80

BPOP- NAS (USA)
Popular Inc

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$30.38

2 Severe Warning Signs 3 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-15.8	-31.1	-7.9
EBITDA Growth (%)	0	0	-60.7
Free Cash Flow Growth (%)	-18.1	-39.6	-49.9
Book Value Growth (%)	-13.6	-13.6	-0.4

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	71.91	74.31	82.31	80.24	75.75	75.04	48.94	29.18	19.48	18.50	17.51	4.50	4.25	4.48	5.26	3.52
EBITDA per Share	28.25	26.84	35.02	28.42	4.85	-4.78	-11.96	3.54	3.15	3.24	0.88	0.77	0.02	1.04	1.40	-1.58
Free Cashflow per Share	21.17	5.35	39.85	30.34	24.88	38.03	13.67	1.08	6.11	4.56	4.50	2.21	0.44	0.95	0.95	2.16
Earnings per Share ($)	17.35	17.90	19.70	12.40	-2.70	-45.50	2.40	-0.60	1.40	2.35	0.71	0.50	0.63	0.45	0.81	-1.18
Dividends Per Share	5.05	6.15	6.40	6.40	6.40	4.80	0.20	--	--	--	--	--	--	--	--	--
Book Value per Share	104	116	129	130	127	116	62.19	42.94	38.31	40.12	38.55	38.71	39.27	39.70	40.05	38.55
Month End Stock Price	224	288	212	180	106	51.60	22.60	31.40	13.90	20.79	27.60	20.50	16.61	17.45	20.79	27.60
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	17.10	15.80	15.70	9.90	-1.80	-38.10	-22.60	3.60	3.90	6.00	-12.00	4.80	6.40	4.80	8.00	-12.00
Return on Assets %	1.30	1.10	1.10	0.80	-0.10	-3.20	-1.70	0.40	0.40	0.70	-1.20	0.40	0.80	0.40	0.80	-1.20
Return on Capital - Joel Greenblatt %	33.70	21.40	28.80	12.70	-10.80	--	--	53.70	--	--	-392	--	-14.80	20.00	--	-392
Debt to Equity	3.31	4.33	3.65	3.53	1.71	1.04	1.05	1.19	0.55	0.59	0.68	0.65	0.55	0.76	0.59	0.68

Operating Margin %	31.50	32.00	31.00	20.80	-5.80	-10.40	-28.10	9.50	13.40	14.50	-48.80	14.00	-2.80	13.60	29.70	-48.80
Net Margin %	24.60	24.70	24.50	16.00	-3.00	-59.00	-28.70	5.30	7.60	12.90	-33.10	10.50	15.10	10.30	15.60	-33.10

Debt to Revenue	4.77	6.78	5.70	5.71	2.86	1.61	1.33	1.76	1.08	1.27	7.45	5.62	5.04	6.69	4.47	7.45
Interest Exp. to Revenue %	67.24	69.32	64.46	63.82	67.61	60.65	55.13	50.13	71.88	72.43	95.16	73.15	78.45	74.80	64.94	95.16

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.07	0.05	0.05	0.01	0.01	0.01	0.01	0.02	0.01
Buyback Ratio	--	--	--	--	--	1.40	--	-802	-5.10	-3.80	1.30	-4.30	-1.90	-9.50	-1.90	1.30
Dividend Payout Ratio	0.29	0.34	0.32	0.50	--	--	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	1,285	1,376	1,424	1,428	1,449	1,279	1,101	1,295	1,432	1,373	1,380	338	341	343	350	345
Non Interest Income	626	609	785	809	694	830	897	1,288	560	523	416	124	93.72	116	189	17.58
Revenue	1,911	1,984	2,209	2,237	2,144	2,109	1,998	2,583	1,992	1,895	1,797	461	435	459	540	363

Selling, General, &Admin. Expense	600	647	723	799	784	737	706	677	629	690	680	166	163	157	204	157
Credit Losses Provision	196	179	195	288	563	991	1,406	1,012	576	409	532	101	119	106	82.81	224
Other Expenses	364	442	351	359	660	515	374	581	465	464	494	115	151	88.90	109	145
Earnings Before DDA	751	717	940	792	137	-134	-488	314	322	332	90.48	78.95	1.90	107	144	-162

Depreciation, Depletion and Amortization	149	82.11	254	328	261	84.60	73.93	68.03	56.10	56.81	57.18	14.35	14.06	44.31	-15.91	14.72

Operating Income	602	635	686	465	-123	-219	-562	246	266	275	33.30	64.60	-12.15	62.57	160	-177
Net Income	471	490	541	358	-64.49	-1,244	-574	137	151	245	76.56	48.41	65.74	47.19	83.94	-120

Preferred dividends	9.92	11.91	11.91	11.91	11.91	--	--	--	--	3.72	1.86	--	--	--	0.93	0.93
Earnings per Share ($)	17.35	17.90	19.70	12.40	-2.70	-45.50	2.40	-0.60	1.40	2.35	0.71	0.50	0.63	0.45	0.81	-1.18
Total Shares Outstanding	26.57	26.70	26.84	27.88	28.30	28.11	40.82	88.52	102	102	103	102	102	102	103	103
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	696	717	915	965	942	785	677	452	1,584	1,278	1,303	1,537	515	477	1,278	1,303
Money Market Investments	765	879	741	287	884	519	453	182	328	247	283	240	240	279	247	283
Net Loan	22,194	28,305	31,249	32,215	29,362	25,386	22,543	24,772	24,499	24,363	24,514	24,259	24,281	24,234	24,363	24,514
Securities & Investments	11,077	12,191	12,708	10,622	9,984	9,083	7,534	6,069	5,751	5,727	5,961	5,863	5,793	5,683	5,727	5,961
Accounts Receivable	176	--	--	--	--	156	126	151	125	126	136	127	122	134	126	136
Property, Plant and Equipment	485	546	597	595	588	621	585	545	538	536	533	534	527	526	536	533
Intangible Assets	219	450	764	775	700	659	648	706	864	856	854	866	863	863	856	854
Other Assets	823	1,314	1,650	1,945	1,951	1,674	2,170	5,845	3,659	3,375	3,359	3,624	4,271	4,308	3,375	3,359
Total Assets	36,435	44,402	48,624	47,404	44,411	38,883	34,736	38,723	37,348	36,508	36,943	37,049	36,612	36,503	36,508	36,943

Total Deposits	18,098	20,593	22,638	24,438	28,334	27,550	25,925	26,762	27,942	27,001	27,013	27,198	27,415	26,319	27,001	27,013
Current Portion of Long-Term Debt	1,997	3,140	2,700	4,034	1,502	4.93	7.33	364	296	636	951	751	316	1,206	636	951
Long-Term Debt	7,117	10,306	9,894	8,737	4,621	3,387	2,649	4,170	1,856	1,778	1,752	1,844	1,878	1,866	1,778	1,752
Other liabilities	6,469	7,258	9,943	6,574	6,372	4,673	3,617	3,626	3,335	2,983	3,255	3,289	2,982	3,042	2,983	3,255
Total Liabilities	33,680	41,297	45,174	43,784	40,830	35,614	32,198	34,922	33,430	32,398	32,972	33,082	32,591	32,434	32,398	32,972

Common Stock	838	1,680	1,736	1,753	1,762	1,774	6.40	10.23	10.26	1.03	1.03	10.28	1.03	1.03	1.03	1.03
Preferred Stock	187	187	187	187	187	1,484	50.16	50.16	50.16	50.16	50.16	50.16	50.16	50.16	50.16	50.16
Retained Earnings	1,602	1,130	1,457	1,594	1,319	-374	-293	-347	-213	11.83	-109	-165	-100	-54.18	11.83	-109
Additional Paid-In Capital	315	279	452	527	568	622	2,804	4,094	4,115	4,150	4,152	4,117	4,127	4,132	4,150	4,152
Treasury Stock	-206	-206	-207	-207	-208	-208	-0.02	-0.57	-1.06	-0.44	-0.47	-1.04	-0.14	-0.27	-0.44	-0.47
Total Equity	2,754	3,105	3,449	3,620	3,582	3,268	2,539	3,801	3,919	4,110	3,971	3,967	4,021	4,069	4,110	3,971
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	471	490	541	358	-64.49	-1,244	-574	137	151	245	76.56	48.41	65.74	47.19	83.94	-120
Depreciation, Depletion and Amortization	149	82.11	254	328	261	84.60	73.93	68.03	56.10	56.81	57.18	14.35	14.06	44.31	-15.91	14.72
Cash Flow from Others	-57.42	-429	275	161	508	2,417	1,129	-42.28	469	222	386	177	-24.19	19.16	50.49	340
Cash Flow from Operations	562	143	1,070	846	704	1,258	629	163	677	524	520	239	55.61	111	119	235

Investment for Property, Plant & Equipement	--	--	--	--	--	-188	-71.00	-67.90	-51.78	-57.13	-56.39	-12.77	-10.17	-13.01	-21.17	-12.03
Cash Flow from Acquisitions	--	--	--	-3.03	--	--	--	904	30.65	--	--	--	--	--	--	--
Cash Flow from Investing	-2,988	-5,493	-3,411	1,318	424	2,680	2,654	4,077	899	237	-758	34.76	513	-94.03	-217	-960

Net Issuance of Stock	15.45	15.98	192	55.48	17.89	17.35	-0.02	1,101	7.21	8.95	8.42	2.06	1.11	4.34	1.44	1.52
Net Issuance of Preferred Stock	183	--	--	--	--	1,325	-25.08	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	1,921	4,201	1,152	-3,789	-3,976	-2,485	-750	-3,793	-2,405	232	78.19	435	-408	871	-666	282
Cash Flow for Dividends	-135	-169	-183	-188	-191	-189	-71.44	-0.31	-3.72	-3.72	-3.72	-0.62	-0.93	-0.93	-1.24	-0.62
Other Financing	476	1,331	1,372	1,790	2,890	-2,640	-2,544	-1,774	908	-1,094	-75.37	-773	-118	-929	727	245
Cash Flow from Financing	2,461	5,379	2,533	-2,133	-1,259	-3,972	-3,391	-4,465	-1,493	-857	7.52	-337	-526	-54.63	60.93	528

Net Change in Cash	35.53	28.37	192	31.85	-131	-33.84	-108	-225	82.91	-95.92	-231	-62.48	42.53	-38.00	-37.98	-197

Free Cash Flow	562	143	1,070	846	704	1,069	558	95.26	625	467	463	227	45.44	97.65	97.35	223
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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BPOP Quarterly/Annuals Reports

BPOP: 10-Q - POPULAR INC (0000763901) (Filer): (10-Q) - 2012-11-08
BPOP: 10-Q - POPULAR INC (0000763901) (Filer): (10-Q) - 2012-05-10
BPOP: 10-K - POPULAR INC (0000763901) (Filer): (10-K) - 2012-02-29
BPOP: 10-Q - POPULAR INC (0000763901) (Filer): (10-Q) - 2011-11-09
BPOP: 10-Q - POPULAR INC (0000763901) (Filer): (10-Q) - 2011-08-09

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