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 101 industry peers in the Financial Services industry. BLX has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on BLX. 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 had a positive cash flow from operations.

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.

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 76.24% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

BLX's Profit Margin of 68.02% is amongst the best of the industry. BLX outperforms 99.01% 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)	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

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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.

The number of shares outstanding for BLX has been increased compared to 1 year ago.

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

BLX has a better debt/assets ratio than last year.

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.

The Debt to FCF ratio of BLX (13.72) is comparable to the rest of the industry.

BLX has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.

BLX has a Debt to Equity ratio of 2.83. This is in the lower half of the industry: BLX underperforms 74.26% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.83
Debt/FCF	13.72
Altman-Z	N/A

ROIC/WACCN/A

WACC10.5%

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

The Earnings Per Share has grown by an nice 13.07% over the past year.

BLX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.77% yearly.

BLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.

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

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 Year9.41%

Revenue Next 2Y7.78%

Revenue Next 3Y7.84%

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.

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

The Price/Earnings ratio is 7.96, which indicates a rather cheap valuation of BLX.

Based on the Price/Earnings ratio, BLX is valued cheaply inside the industry as 83.17% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 27.41. BLX is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 7.46, the valuation of BLX can be described as very cheap.

76.24% of the companies in the same industry are more expensive than BLX, based on the Price/Forward Earnings ratio.

BLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.

		Industry Rank	Sector Rank
PE	7.96
Fwd PE	7.46

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BLX is valued cheaper than 92.08% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.06
EV/EBITDA	N/A

4.3 Compensation for Growth

BLX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.4

PEG (5Y)0.38

EPS Next 2Y6.68%

EPS Next 3Y7.51%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.25%, BLX is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.03, BLX pays a better dividend. On top of this BLX pays more dividend than 80.20% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, BLX pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.25%

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

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%

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (9/23/2025, 8:04:00 PM)

After market: 47.54 0 (0%)

47.54

+0.6 (+1.28%)

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 Cap1.77B

Analysts80

Price Target46.55 (-2.08%)

Short Float %0.38%

Short Ratio1.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.25%

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)0%

EPS NY rev (3m)2.45%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.69%

Revenue NY rev (3m)3.27%

Valuation

		Industry Rank	Sector Rank
PE	7.96
Fwd PE	7.46
P/S	5.46
P/FCF	6.06
P/OCF	5.96
P/B	1.25
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)5.97

EY12.56%

EPS(NY)6.37

Fwd EY13.41%

FCF(TTM)7.84

FCFY16.5%

OCF(TTM)7.97

OCFY16.77%

SpS8.7

BVpS38.02

TBVpS37.93

PEG (NY)1.4

PEG (5Y)0.38

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC10.5%

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 Year9.41%

Revenue Next 2Y7.78%

Revenue Next 3Y7.84%

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

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