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Dec 31, 2025
Popular Q4 2025 Earnings Report
Popular reported strong fourth-quarter results with growth in net interest income and solid profitability.
Key Takeaways
Popular Inc. posted robust Q4 2025 financial results, driven by net income of $233.9 million and EPS of $3.53. Net interest income rose to $657.6 million, with a higher net interest margin of 3.61%. The bank continued to maintain healthy credit quality metrics, while controlling operating expenses.
Reported GAAP net income of $233.9 million and adjusted net income of $224.2 million in Q4 2025.
EPS reached $3.53 per share, up from $3.15 in the prior quarter.
Net interest income grew to $657.6 million, with a net interest margin of 3.61%.
Non-performing loans ratio improved to 1.27%, and allowance for credit losses to loans increased to 2.05%.
Revenue by Geographic Location
Forward Guidance
Management remains cautiously optimistic, expecting stable loan performance and disciplined cost control, though macroeconomic risks remain.
Positive Outlook
- Stable credit quality metrics supported by conservative lending practices.
- Net interest margin improved quarter-over-quarter.
- Loan growth driven by commercial and mortgage segments.
- Effective cost controls reduced core operating expenses.
- Strong capital position with CET1 at 15.72%.
Challenges Ahead
- Non-interest income declined from the prior quarter.
- Money market and investment securities balances fell $330.6 million.
- Public sector deposit outflows impacted deposit base.
- Market rate cuts affected investment portfolio yields.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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