BPOP
Popular, Inc.
BPOP's outlook is improving, though it still trails on the overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over BPOP overall, supported by stronger fundamentals and stronger modeled upside.
BPOP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BPOP's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BPOP.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BPOP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.8x | $89.50 | -44% |
| Fair | 9x | $139 | -12% |
| Forward | 9.5x | $159 | — |
| Current | 10x | $159 | — |
| Expensive | 12x | $188 | +19% |
Historical ranges are pointers, not guarantees.
BPOP's PE is 10x, but its earnings don't support one, so it isn't a reliable read right now.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over BPOP in the historical PE scenario, which offers more potential upside but is not a forecast.
BPOP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BPOP has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BPOP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $16.75 | +8.3% |
| Q3 2026 | $15.47 | +37% |
| Q2 2026 | $14.78 | +43% |
| Q1 2026 | $13.52 | +40% |
| Q4 2025 | $12.30 | +44% |
| Q3 2025 | $11.30 | +54% |
| Q2 2025 | $10.32 | +46% |
| Q1 2025 | $9.69 | +44% |
| Q4 2024 | $8.56 | +14% |
BPOP's earnings per share have climbed steadily: $15.47 over the past year, up 37% from the year before, and higher year over year for eight quarters in a row. Its recent earnings include one-off gains.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BPOP on earnings, with stronger typical year-over-year growth.
BPOP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $874.6M | +7% |
| Q2 2026 | $874M | +9.2% |
| Q1 2026 | $835.8M | +10% |
| Q4 2025 | $823.8M | +9.1% |
| Q3 2025 | $817.7M | +11% |
| Q2 2025 | $800M | +8.9% |
| Q1 2025 | $757.7M | +6% |
| Q4 2024 | $755.5M | +7.5% |
BPOP's revenue has grown year over year for 11 quarters in a row: $875M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +0.9 points |
| Q2 2026 | 37% | +4.8 points |
| Q1 2026 | 35% | +5.6 points |
| Q4 2025 | 34% | +4.5 points |
| Q3 2025 | 30% | +3.4 points |
| Q2 2025 | 32% | +2.6 points |
| Q1 2025 | 29% | +7.1 points |
| Q4 2024 | 29% | +16 points |
BPOP's operating margin was 31% last quarter, up 0.9 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over BPOP on profitability, with a higher operating margin.
BPOP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $218.6M | +55% |
| Q2 2026 | $290M | +46% |
| Q1 2026 | $154.9M | +29% |
| Q4 2025 | $221.1M | +59% |
| Q3 2025 | $141.1M | -20% |
| Q2 2025 | $198.3M | +409% |
| Q1 2025 | $120.5M | +12% |
| Q4 2024 | $139.2M | 0% |
BPOP has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BPOP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -778K shares |
| 1 year | -5.9% | -4M shares |
| 3 years | -12% | -8.7M shares |
| 5 years | -21% | -17.1M shares |
| Available history | -35% | -33.9M shares |
BPOP has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2025 | $119.7M |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BPOP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
BPOP's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like BPOP.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over BPOP on leverage, with a lower net debt burden relative to earnings.
BPOP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.2 | Neutral |
| Stochastic | 17.8 | Oversold |
BPOP's weekly RSI is 50 (neutral) and its Stochastic is 18 (oversold).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BPOP PE vs Financial Services Sector
| Metric | BPOP | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 58 | 63 | 5 pts below |
BPOP has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BPOP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $158.1 | 0.3% above |
| 20 week MA | $165.5 | 4.2% below |
| 50 week MA | $149.7 | 5.9% above |
| 100 week MA | $128.2 | 24% above |
| 200 week MA | $103.3 | 54% above |
BPOP has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
BPOP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $58.7 | $56.0 | -4.6% |
| 2021 | $56.0 | $80.7 | +44% |
| 2022 | $80.7 | $65.0 | -19% |
| 2023 | $65.0 | $82.1 | +26% |
| 2024 | $82.1 | $94.8 | +15% |
| 2025 | $94.8 | $126.0 | +33% |
| 2026 YTD | $126.0 | $158.5 | +26% |
BPOP has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.