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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Popular
Popular (BPOP) investor relations material
Popular Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Net income was $266.3 million and diluted EPS was $4.21, down from $278.2 million and $4.35 QoQ, and up from $211.3 million and $3.14 YoY; higher NII was offset by higher expenses and lower non-interest income.
ROTCE was 15.80%, versus 17.02% in Q2 2026 and 13.06% in Q3 2025; CET1 was 16.06% at quarter-end.
Portfolio loans grew $293 million QoQ to $40.0 billion; deposits fell $1.5 billion to $68.7 billion, mainly reflecting lower Puerto Rico public-sector balances.
Financial highlights
Net interest income was $698.9 million, up $5.5 million QoQ and $52.4 million YoY; provision for credit losses was $58.6 million, down $7.3 million QoQ.
Non-interest income was $175.7 million, down $4.9 million QoQ and up $4.5 million YoY; it included a $5 million commercial loan refinancing benefit.
Operating expenses rose $21.5 million QoQ to $505.6 million; personnel costs increased $16.0 million, including higher salaries, profit sharing and incentives.
Average total deposits increased $502 million QoQ, while average customer deposits excluding Puerto Rico public deposits declined $619 million.
Outlook and guidance
FY 2026 loan growth guidance is 2%, reflecting lower auto and lease activity and more moderate commercial growth; NII growth guidance is 8.5%.
FY 2026 operating expense growth guidance is 2%, including the maximum profit-sharing contribution; effective tax rate guidance is 14%.
Q4 non-interest income guidance is $170 million; Puerto Rico public deposits are expected to range from $20 billion to $22 billion through year-end.
FY 2026 net charge-off guidance is 80–90 bps; initial 2027 expectation is 60–75 bps, with formal guidance due in January.
Annual ROTCE target remains 14%–17%.
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Latest events from Popular
- Earnings rose 10%, but margin pressure and PFH weakness tempered growth.BPOP
Q4 2005 - Subprime losses drove a $64.5M loss and accelerated U.S. restructuring.BPOPQ4 2007
- Credit losses overwhelmed earnings as exchange transactions rebuilt common equity.BPOPQ4 2009
- A $1.244B loss and escalating credit stress drove major liquidity and restructuring actions.BPOPQ4 2008
- Mortgage losses drove a 34% earnings decline and a sweeping U.S. restructuring.BPOPQ4 2006
- EVERTEC gains and stronger capital offset persistent credit pressure and BPNA losses.BPOPQ4 2010
- 2011 turnaround: $151M profit and stronger margins, but Puerto Rico credit risk persisted.BPOPQ4 2011
- Profit and credit quality improved, but tax benefits and Puerto Rico risks shaped the year.BPOPQ4 2012
- TARP exit and U.S. restructuring drove a reported loss; adjusted continuing income reached $300.7M.BPOPQ4 2014
Next Popular earnings date
Q4 202626 Jan, 2027
Popular
Next Popular earnings date
Q4 202626 Jan, 2027
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Frequently asked questions
Popular, Inc. through its subsidiaries, offers a diverse range of banking products and services primarily in Puerto Rico, the United States, and the British Virgin Islands. The company's portfolio includes retail, mortgage, and commercial banking services. Popular, Inc. provides savings, NOW accounts, money market accounts, and other interest-bearing demand accounts, along with non-interest bearing demand deposits and certificates of deposit. Furthermore, it extends a variety of loans, such as commercial and industrial loans, commercial multi-family and real estate loans, residential mortgage loans, and consumer loans, which encompass personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers. The firm also engages in construction loans and lease financing, including automobile loans/leases. Beyond banking, Popular, Inc. offers investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services, complemented by debit cards and online banking services. The company is headquartered in Hato Rey, Puerto Rico, and its shares are listed on the Nasdaq.