BANCO LATINOAMERICANO COME-E(NYSE:BLX) stock Fundamental Analysis

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. BLX is not valued too expensively and it also shows a decent growth rate. BLX also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BLX had positive earnings in the past year.

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

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

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.

BLX has a Return On Equity of 15.40%. This is in the better half of the industry: BLX outperforms 74.26% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.74%
ROE	15.4%
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

The Profit Margin of BLX (67.80%) is better than 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)	67.8%
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.

Compared to 5 years ago, BLX has less shares outstanding

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

2.2 Solvency

A Debt/Equity ratio of 3.43 is on the high side and indicates that BLX has dependencies on debt financing.

BLX has a worse Debt to Equity ratio (3.43) than 75.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.43
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.37%

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 13.36% 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.

The Revenue has grown by 14.10% in the past year. This is quite good.

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)13.36%

EPS 3Y50.58%

EPS 5Y20.77%

EPS Q2Q%0%

Revenue 1Y (TTM)14.1%

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.

The Revenue is expected to grow by 6.69% on average over the next years.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.26 indicates a rather cheap valuation of BLX.

82.18% of the companies in the same industry are more expensive than BLX, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 25.82, BLX is valued rather cheaply.

The Price/Forward Earnings ratio is 6.59, which indicates a rather cheap valuation of BLX.

BLX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BLX is cheaper than 75.25% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.76. BLX is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.26
Fwd PE	6.59

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)2.29

PEG (5Y)0.35

EPS Next 2Y4.93%

EPS Next 3Y7.3%

More info and screens

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.27%, BLX is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.86, BLX pays a better dividend. On top of this BLX pays more dividend than 88.12% of the companies listed in the same industry.

BLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	6.27%

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.

BLX has decreased its dividend recently.

Dividend Growth(5Y)5.91%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

35.35% 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.

DP35.35%

EPS Next 2Y4.93%

EPS Next 3Y7.3%

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (5/23/2025, 9:16:15 PM)

After market: 40.64 0 (0%)

40.64

+0.23 (+0.57%)

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 Owners32.77%

Inst Owner Change-1.51%

Ins Owners1.52%

Ins Owner ChangeN/A

Market Cap1.25B

Analysts82.86

Price Target44.71 (10.01%)

Short Float %1.02%

Short Ratio2.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.27%

Yearly Dividend1.98

Dividend Growth(5Y)5.91%

DP35.35%

Div Incr Years1

Div Non Decr Years1

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

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)28.42%

Min EPS beat(2)27.3%

Max EPS beat(2)29.55%

EPS beat(4)4

Avg EPS beat(4)24.4%

Min EPS beat(4)19.16%

Max EPS beat(4)29.55%

EPS beat(8)8

Avg EPS beat(8)17.5%

EPS beat(12)11

Avg EPS beat(12)14.53%

EPS beat(16)14

Avg EPS beat(16)11.33%

Revenue beat(2)2

Avg Revenue beat(2)38.08%

Min Revenue beat(2)34.57%

Max Revenue beat(2)41.6%

Revenue beat(4)4

Avg Revenue beat(4)32.39%

Min Revenue beat(4)24.34%

Max Revenue beat(4)41.6%

Revenue beat(8)8

Avg Revenue beat(8)23.57%

Revenue beat(12)12

Avg Revenue beat(12)21.67%

Revenue beat(16)15

Avg Revenue beat(16)16.44%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)4.04%

EPS NY rev (3m)4.11%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-1.83%

Revenue NY rev (3m)0.63%

Valuation

		Industry Rank	Sector Rank
PE	7.26
Fwd PE	6.59
P/S	4.97
P/FCF	N/A
P/OCF	N/A
P/B	1.13
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)5.6

EY13.78%

EPS(NY)6.17

Fwd EY15.17%

FCF(TTM)-3.41

FCFYN/A

OCF(TTM)-3.3

OCFYN/A

SpS8.17

BVpS35.98

TBVpS35.88

PEG (NY)2.29

PEG (5Y)0.35

Profitability

		Industry Rank	Sector Rank
ROA	1.74%
ROE	15.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	67.8%
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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.43
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	110.44%
Cap/Sales	1.3%
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-Score6

WACC10.37%

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)14.1%

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-111.94%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-111.55%

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