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Jun 30, 2025
Popular Q2 2025 Earnings Report
Popular reported strong Q2 2025 earnings with higher net interest income, improved credit quality, and an expanding net interest margin.
Key Takeaways
Popular delivered solid Q2 2025 results, achieving higher EPS, improved credit quality, and strong loan and deposit growth. The bank also enhanced shareholder returns through dividend increases and share repurchases.
Net income rose to $210.4 million, up from $177.5 million in Q1 2025.
EPS increased to $3.09, supported by higher net interest income.
Net interest margin expanded to 3.49%, with taxable equivalent NIM at 3.85%.
Credit quality improved as NPLs to loans declined to 0.82% and NCOs to average loans dropped to 0.45%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Popular expects stable loan growth and disciplined expense management in the second half of 2025, while maintaining strong capital ratios and credit quality.
Positive Outlook
- Continued expansion of net interest margin supported by higher loan yields.
- Strong deposit growth, particularly in Puerto Rico public deposits.
- Improved credit quality with lower NPLs and NCOs.
- Stable capital position with CET1 at 15.91%.
- Dividend increase and ongoing share repurchase program highlight capital strength.
Challenges Ahead
- Higher operating expenses driven by technology and compliance investments.
- Potential pressure on NIM from deposit repricing.
- Economic uncertainty may affect loan demand.
- Slight increase in ACL reserves due to portfolio growth and macro assumptions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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