Revenue: As of FY2025 Q3, the actual value is USD 817.7 M.EPS: As of FY2025 Q3, the actual value is USD 3.14.EBIT: As of FY2025 Q3, the actual value is USD -399.22 M.<h3>Segment Revenue</h3><ul><li>Net Interest Income: Increased by $15 million to $647 million in Q3 2025, with a Net Interest Margin (NIM) of 3.51%.</li><li>Non-Interest Income: Increased by $2.7 million to $171 million, driven by a $5.3 million retroactive charge to a tenant under an amended lease contract.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $211 million in Q3 2025, a slight increase from $210 million in Q2 2025.</li><li>Operating Profit: Income before income tax was $247 million, a decrease of $11 million from Q2 2025.</li><li>Operating Costs: Total operating expenses increased by $2.6 million to $495 million.</li></ul><h3>Credit Quality</h3><ul><li>Non-Performing Loans (NPLs): Increased by $190.6 million from Q2 2025, primarily due to two large commercial loans. The NPLs to loans ratio increased to 1.30% from 0.82% in Q2 2025.</li><li>Allowance for Credit Losses (ACL): The ACL to loans held-in-portfolio was 2.03% in Q3 2025, compared to 2.02% in Q2 2025. ACL to NPLs was 156.6% vs. 246.9% in Q2 2025.</li></ul><h3>Loans and Deposits</h3><ul><li>Loans Held in Portfolio: Increased by $502 million or 1.3%, driven by commercial and construction loans.</li><li>Total Deposits: Decreased by $704 million or 1.1%, with customer deposits increasing by $138 million excluding P.R. public deposits.</li></ul><h3>Capital Actions</h3><ul><li>Repurchased 1,000,862 shares of common stock for $119.4 million at an average price of $119.33 per share.</li><li>Declared a common stock dividend of $0.75 per share, an increase from $0.70 per share.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company is focused on executing its strategic framework to be the #1 bank for customers, be simple and efficient, and deliver sustainable returns to shareholders.</li><li>The effective tax rate for Q4 2025 is expected to be within a range of 14% - 16%.</li><li>Net Interest Income: Expected 10%-11% YoY growth driven by fixed asset repricing, loan growth, and deposit balances.</li><li>Non-Interest Income: Now expected to be $160 million-$165 million in Q4 and $650 million-$655 million for the year, based on YTD results and seasonal activity.</li><li>Operating Expenses: Reaffirmed guidance of 4%-5% for the year due to profit sharing and performance-based incentives.</li></ul>

POPULAR CAPITAL TRUST II 6.125% PRF 01/12/2034 USD25 | 8-K: FY2025 Q3 Revenue: USD 817.7 M