BLX Fundamental Analysis - BANCO LATINOAMERICANO COME-E

Fundamental Rating

Taking everything into account, BLX scores 4 out of 10 in our fundamental rating. BLX was compared to 99 industry peers in the Financial Services industry. BLX may be in some trouble as it scores bad on both profitability and health. BLX has a decent growth rate and is not valued too expensively. Finally BLX also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BLX was profitable.

In the past year BLX has reported a negative cash flow from operations.

Each year in the past 5 years BLX has been profitable.

The reported operating cash flow has been mixed in the past 5 years: BLX reported negative operating cash flow in multiple years.

1.2 Ratios

BLX has a Return On Assets of 1.66%. This is comparable to the rest of the industry: BLX outperforms 52.53% of its industry peers.

BLX has a better Return On Equity (15.05%) than 71.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.66%
ROE	15.05%
ROIC	N/A

ROA(3y)1.42%

ROA(5y)1.21%

ROE(3y)12.6%

ROE(5y)10.05%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BLX has a better Profit Margin (66.78%) than 98.99% of its industry peers.

In the last couple of years the Profit Margin of BLX has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for BLX so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	66.78%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.06%

PM growth 5Y-0.06%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BLX does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BLX has more shares outstanding

BLX has less shares outstanding than it did 5 years ago.

The debt/assets ratio for BLX has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 3.28 is on the high side and indicates that BLX has dependencies on debt financing.

The Debt to Equity ratio of BLX (3.28) is worse than 74.75% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.28
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.6%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.36%, which is quite good.

Measured over the past years, BLX shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.77% on average per year.

The Revenue has grown by 10.54% in the past year. This is quite good.

The Revenue has been growing by 19.12% on average over the past years. This is quite good.

EPS 1Y (TTM)13.36%

EPS 3Y50.58%

EPS 5Y20.77%

EPS Q2Q%0%

Revenue 1Y (TTM)10.54%

Revenue growth 3Y42.83%

Revenue growth 5Y19.12%

Sales Q2Q%7.37%

3.2 Future

The Earnings Per Share is expected to grow by 7.30% on average over the next years.

Based on estimates for the next years, BLX will show a small growth in Revenue. The Revenue will grow by 6.69% on average per year.

EPS Next Y3.16%

EPS Next 2Y4.93%

EPS Next 3Y7.3%

EPS Next 5YN/A

Revenue Next Year5.94%

Revenue Next 2Y6.86%

Revenue Next 3Y6.69%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.43, the valuation of BLX can be described as very cheap.

BLX's Price/Earnings ratio is rather cheap when compared to the industry. BLX is cheaper than 82.83% of the companies in the same industry.

When comparing the Price/Earnings ratio of BLX to the average of the S&P500 Index (26.31), we can say BLX is valued rather cheaply.

With a Price/Forward Earnings ratio of 6.75, the valuation of BLX can be described as very cheap.

Based on the Price/Forward Earnings ratio, BLX is valued a bit cheaper than the industry average as 73.74% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.13. BLX is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.43
Fwd PE	6.75

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.35

PEG (5Y)0.36

EPS Next 2Y4.93%

EPS Next 3Y7.3%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.00%, BLX is a good candidate for dividend investing.

BLX's Dividend Yield is rather good when compared to the industry average which is at 5.10. BLX pays more dividend than 85.86% of the companies in the same industry.

BLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	6%

5.2 History

The dividend of BLX has a limited annual growth rate of 5.91%.

BLX has paid a dividend for at least 10 years, which is a reliable track record.

The dividend of BLX decreased recently.

Dividend Growth(5Y)5.91%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

BLX pays out 37.58% of its income as dividend. This is a sustainable payout ratio.

BLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP37.58%

EPS Next 2Y4.93%

EPS Next 3Y7.3%

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (6/13/2025, 8:04:00 PM)

After market: 41.5 -0.1 (-0.24%)

41.6

-0.09 (-0.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-05 2025-05-05/amc

Earnings (Next)07-21 2025-07-21

Inst Owners36.81%

Inst Owner Change-1.51%

Ins Owners1.52%

Ins Owner ChangeN/A

Market Cap1.28B

Analysts80

Price Target44.71 (7.48%)

Short Float %1.34%

Short Ratio2.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6%

Yearly Dividend1.98

Dividend Growth(5Y)5.91%

DP37.58%

Div Incr Years1

Div Non Decr Years1

Ex-Date05-16 2025-05-16 (0.625)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)4.11%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.83%

Valuation

		Industry Rank	Sector Rank
PE	7.43
Fwd PE	6.75
P/S	4.15
P/FCF	N/A
P/OCF	N/A
P/B	0.94
P/tB	0.94
EV/EBITDA	N/A

EPS(TTM)5.6

EY13.46%

EPS(NY)6.17

Fwd EY14.82%

FCF(TTM)-3.43

FCFYN/A

OCF(TTM)-3.3

OCFYN/A

SpS10.03

BVpS44.49

TBVpS44.38

PEG (NY)2.35

PEG (5Y)0.36

Profitability

		Industry Rank	Sector Rank
ROA	1.66%
ROE	15.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	66.78%
GM	N/A
FCFM	N/A

ROA(3y)1.42%

ROA(5y)1.21%

ROE(3y)12.6%

ROE(5y)10.05%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.06%

PM growth 5Y-0.06%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	3.28
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	104.46%
Cap/Sales	1.27%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC9.6%

ROIC/WACCN/A

Cap/Depr(3y)91.54%

Cap/Depr(5y)70.08%

Cap/Sales(3y)1.23%

Cap/Sales(5y)1.36%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)13.36%

EPS 3Y50.58%

EPS 5Y20.77%

EPS Q2Q%0%

EPS Next Y3.16%

EPS Next 2Y4.93%

EPS Next 3Y7.3%

EPS Next 5YN/A

Revenue 1Y (TTM)10.54%

Revenue growth 3Y42.83%

Revenue growth 5Y19.12%

Sales Q2Q%7.37%

Revenue Next Year5.94%

Revenue Next 2Y6.86%

Revenue Next 3Y6.69%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-146.56%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-144.24%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens