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BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

NYSE:BLX - PAP169941328 - Common Stock

45.775 USD
+0.05 (+0.12%)
Last: 8/28/2025, 11:06:03 AM
Fundamental Rating

4

BLX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. Both the profitability and financial health of BLX have multiple concerns. BLX may be a bit undervalued, certainly considering the very reasonable score on growth BLX also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BLX was profitable.
BLX had a positive operating cash flow in the past year.
BLX had positive earnings in each of the past 5 years.
In multiple years BLX reported negative operating cash flow during the last 5 years.
BLX Yearly Net Income VS EBIT VS OCF VS FCFBLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

BLX has a Return On Assets (1.74%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 15.57%, BLX is in the better half of the industry, outperforming 76.00% of the companies in the same industry.
Industry RankSector Rank
ROA 1.74%
ROE 15.57%
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
BLX Yearly ROA, ROE, ROICBLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of BLX (68.02%) is better than 99.00% of its industry peers.
BLX's Profit Margin has been stable in the last couple of years.
BLX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 68.02%
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
BLX Yearly Profit, Operating, Gross MarginsBLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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1

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
Compared to 5 years ago, BLX has less shares outstanding
BLX has a better debt/assets ratio than last year.
BLX Yearly Shares OutstandingBLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BLX Yearly Total Debt VS Total AssetsBLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BLX has a debt to FCF ratio of 13.72. This is a negative value and a sign of low solvency as BLX would need 13.72 years to pay back of all of its debts.
With a Debt to FCF ratio value of 13.72, BLX perfoms like the industry average, outperforming 55.00% of the companies in the same industry.
A Debt/Equity ratio of 2.83 is on the high side and indicates that BLX has dependencies on debt financing.
With a Debt to Equity ratio value of 2.83, BLX is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 13.72
Altman-Z N/A
ROIC/WACCN/A
WACC10.48%
BLX Yearly LT Debt VS Equity VS FCFBLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BLX Yearly Current Assets VS Current LiabilitesBLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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6

3. Growth

3.1 Past

BLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.07%, which is quite good.
The Earnings Per Share has been growing by 20.77% on average over the past years. This is a very strong growth
Looking at the last year, BLX shows a quite strong growth in Revenue. The Revenue has grown by 9.02% in the last year.
BLX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.12% yearly.
EPS 1Y (TTM)13.07%
EPS 3Y50.58%
EPS 5Y20.77%
EPS Q2Q%27.21%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y42.83%
Revenue growth 5Y19.12%
Sales Q2Q%19.99%

3.2 Future

The Earnings Per Share is expected to grow by 8.04% on average over the next years. This is quite good.
BLX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.95% yearly.
EPS Next Y5.69%
EPS Next 2Y6.68%
EPS Next 3Y7.51%
EPS Next 5Y8.04%
Revenue Next Year7.59%
Revenue Next 2Y6.55%
Revenue Next 3Y7.08%
Revenue Next 5Y8.95%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BLX Yearly Revenue VS EstimatesBLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
BLX Yearly EPS VS EstimatesBLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.67, the valuation of BLX can be described as very cheap.
Based on the Price/Earnings ratio, BLX is valued cheaper than 84.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.14, BLX is valued rather cheaply.
A Price/Forward Earnings ratio of 7.18 indicates a rather cheap valuation of BLX.
79.00% of the companies in the same industry are more expensive than BLX, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BLX to the average of the S&P500 Index (22.80), we can say BLX is valued rather cheaply.
Industry RankSector Rank
PE 7.67
Fwd PE 7.18
BLX Price Earnings VS Forward Price EarningsBLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BLX is valued cheaper than 95.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.84
EV/EBITDA N/A
BLX Per share dataBLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)0.37
EPS Next 2Y6.68%
EPS Next 3Y7.51%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.51%, BLX is a good candidate for dividend investing.
BLX's Dividend Yield is rather good when compared to the industry average which is at 4.27. BLX pays more dividend than 86.00% of the companies in the same industry.
BLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 5.51%

5.2 History

The dividend of BLX has a limited annual growth rate of 5.91%.
BLX has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of BLX decreased recently.
Dividend Growth(5Y)5.91%
Div Incr Years1
Div Non Decr Years1
BLX Yearly Dividends per shareBLX Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

37.39% of the earnings are spent on dividend by BLX. This is a low number and sustainable payout ratio.
The dividend of BLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.39%
EPS Next 2Y6.68%
EPS Next 3Y7.51%
BLX Yearly Income VS Free CF VS DividendBLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
BLX Dividend Payout.BLX Dividend Payout, showing the Payout Ratio.BLX Dividend Payout.PayoutRetained Earnings

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (8/28/2025, 11:06:03 AM)

45.775

+0.05 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-04 2025-08-04/amc
Earnings (Next)10-27 2025-10-27
Inst Owners31.22%
Inst Owner Change-4.69%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.70B
Analysts80
Price Target46.55 (1.69%)
Short Float %0.5%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 5.51%
Yearly Dividend1.98
Dividend Growth(5Y)5.91%
DP37.39%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (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)5.4%
PT rev (3m)4.12%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.35%
EPS NY rev (3m)2.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)1.56%
Valuation
Industry RankSector Rank
PE 7.67
Fwd PE 7.18
P/S 5.26
P/FCF 5.84
P/OCF 5.74
P/B 1.2
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)5.97
EY13.04%
EPS(NY)6.37
Fwd EY13.92%
FCF(TTM)7.84
FCFY17.13%
OCF(TTM)7.97
OCFY17.42%
SpS8.7
BVpS38.02
TBVpS37.93
PEG (NY)1.35
PEG (5Y)0.37
Profitability
Industry RankSector Rank
ROA 1.74%
ROE 15.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 68.02%
GM N/A
FCFM 90.13%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF 13.72
Debt/EBITDA N/A
Cap/Depr 121.89%
Cap/Sales 1.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 132.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.48%
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)13.07%
EPS 3Y50.58%
EPS 5Y20.77%
EPS Q2Q%27.21%
EPS Next Y5.69%
EPS Next 2Y6.68%
EPS Next 3Y7.51%
EPS Next 5Y8.04%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y42.83%
Revenue growth 5Y19.12%
Sales Q2Q%19.99%
Revenue Next Year7.59%
Revenue Next 2Y6.55%
Revenue Next 3Y7.08%
Revenue Next 5Y8.95%
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-74.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-73.89%
OCF growth 3YN/A
OCF growth 5YN/A