---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-023312"
form_type: "8-K"
ticker: "BPOP"
cik: "0000763901"
company_name: "POPULAR, INC."
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:43:45.884092+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Popular Q4 net income $233.9M ($3.53 EPS), up from $211.3M; full year net income up 36% to $833.2M

## Summary
- Net income Q4 $233.9M, EPS $3.53 (vs Q3 $211.3M / $3.15); net interest margin expanded to 3.61%.
- Loans held-in-portfolio grew $640.4M to $39.3B; NPL ratio improved to 1.27%; NCOs fell to $49.6M.
- CET1 ratio 15.72%; tangible book value per share $82.65 (+$3.53 QoQ); repurchased 1.25M shares for $147.8M.
- Full-year 2025 net income $833.2M (+36% YoY); operating expenses $473.2M in Q4 vs $495.3M in Q3.

## SEC filing metadata
- accession: 0001193125-26-023312
- form_type: 8-K
- ticker: BPOP
- cik: 0000763901
- company_name: POPULAR, INC.
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763901/000119312526023312/0001193125-26-023312-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763901/000119312526023312/d51010d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-023312
- JSON: https://secwatch.observer/filing/0001193125-26-023312.json
- Plain text: https://secwatch.observer/filing/0001193125-26-023312.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.