Popular (FRA:PP4A) Moat Score: 5/10 (As of Jul. 14, 2026)

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FRA:PP4A Popular Inc FRA:PP4A
83 GF Score
Price €149.00
GF Value €106.31
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Popular Moat Score?

Popular FRA:PP4A +1.36% 83 Moat Score is 5 as of Jul. 14, 2026. GuruFocus rates FRA:PP4A with a GF Score™ of 83/100 and a GF Value™ of €106.31 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,613 Banks companies, Popular ranks better than 94.05% on this metric.

Popular has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Popular has Narrow Moat: Popular Inc has a solid narrow moat with a strong market position in Puerto Rico and a loyal customer base. It benefits from regulatory barriers and economies of scale, but lacks the global presence and network effects necessary for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Popular might have Narrow Moat - Solid narrow moat.

Popular  (FRA:PP4A) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Popular Moat Score Related Terms

FRA:PP4A vs WTFC, UMBF, ZION: Moat Score Comparison

For the Banks - Regional subindustry, Popular's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Popular Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Popular's Moat Score distribution charts can be found below:

* The bar in red indicates where Popular's Moat Score falls into.


FRA:PP4A
83GF Score
Popular Inc FRA:PP4A
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Popular (FRA:PP4A) has a Moat Score of 5 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Popular ranks #96 out of 1613 companies in the Banks industry, placing it in the top 6%.
Is Popular's Moat Score too high?
Popular's current Moat Score is 5. Based on the distribution chart, Popular ranks #96 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Popular has a GF Score™ of 83/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Popular's Moat Score compare to WTFC and UMBF?
According to the Banks industry distribution chart, Popular ranks #96 out of 1613 companies for Moat Score. This places Popular in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Popular's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Popular stock overvalued right now?
Based on GuruFocus' analysis, Popular (FRA:PP4A) is currently considered Significantly Overvalued. The stock's GF Value™ is €106.31, compared to a current price of €149.00 — trading 40.2% above its estimated fair value. The current Moat Score is 5. Popular's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Popular (FRA:PP4A), the current Moat Score is 5 as of Jul. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Popular (FRA:PP4A) Overvalued in 2026?

Based on GuruFocus' analysis, Popular stock appears to be overvalued. The current stock price of €149.00 is trading 40.2% above its estimated GF Value™ of €106.31. GuruFocus considers Popular to be Significantly Overvalued.

Key valuation signals for FRA:PP4A:

  • Moat Score: 5
  • GF Value™: €106.31 vs. price of €149.00 (40.2% above fair value)
  • GF Score™: 83/100 with 5 warning signs

No single metric tells the full story. See the FRA:PP4A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Popular Business Description

Other Exchanges BPOPO.PFD:USABPOP:USA
Address 209 Munoz Rivera Avenue, Hato Rey, PRI, 00918
Popular Inc, based in Puerto Rico, is a financial holding company with four main subsidiaries: Banco Popular de Puerto Rico, a bank in Puerto Rico in terms of assets; Banco Popular North America, its banking operation in the continental United States; Evertec, a data processor; and Popular Financial Holdings, a diversified financial services company. The Corporation's reportable segments consist of Banco Popular de Puerto Rico and Popular U.S.
83GF Score

Get the complete analysis for FRA:PP4A

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€149.00
Price
€106.31
GF Value