Popular, Inc. Reports Strong Q4 2025 Results with Increased Net Income, EPS, and Capital Returns

summarizeSummary

Popular, Inc. announced robust Q4 2025 financial results, featuring increased net income and EPS, improved net interest margin, stable credit quality, and significant capital returns to shareholders.

check_boxKey Events

• Strong Q4 2025 Financial Performance

  Net income rose to $233.9 million ($3.53 EPS) from $211.3 million ($3.15 EPS) in Q3 2025. Full-year 2025 net income grew 36% to $833.2 million.

• Improved Profitability Metrics

  Net interest income increased to $657.6 million, and net interest margin expanded to 3.61% in Q4 2025. Operating expenses decreased, partly due to a partial reversal of the FDIC special assessment reserve.

• Stable Credit Quality

  Non-performing loans decreased by $3.9 million, and the NPLs to loans ratio improved to 1.27%. Net charge-offs also decreased, and the allowance for credit losses to NPLs strengthened to 162.2%.

• Robust Loan Growth & Capital Returns

  Loans held-in-portfolio increased by $640.4 million to $39.3 billion. The company repurchased $147.8 million in common stock and increased its quarterly common stock dividend to $0.75 per share.

auto_awesomeAnalysis

Popular, Inc. delivered a strong fourth quarter and full year 2025, marked by significant growth in net income and earnings per share. The company demonstrated improved profitability through higher net interest income and margin, coupled with effective expense management. Credit quality metrics remained stable or improved, indicating a healthy loan portfolio. Furthermore, the company actively returned capital to shareholders through substantial share repurchases and an increased quarterly dividend, reinforcing investor confidence. The positive 2026 guidance suggests continued operational strength.