BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis
USA - NYSE:BLX - PAP169941328 - Common Stock
45.71 USD
+0.56 (+1.24%)
Overall BLX gets a fundamental rating of 4 out of 10. We evaluated BLX against 99 industry peers in the Financial Services industry. Both the profitability and financial health of BLX have multiple concerns. BLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination. BLX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BLX had positive earnings in the past year.
In the past year BLX had a positive cash flow from operations.
BLX had positive earnings in each of the past 5 years.
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
Looking at the Return On Assets, with a value of 1.74%, BLX is in line with its industry, outperforming 55.56% of the companies in the same industry.
The Return On Equity of BLX (15.57%) is better than 75.76% of its industry peers.
| 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 has a Profit Margin of 68.02%. This is amongst the best in the industry. BLX outperforms 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) | 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
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.
2.2 Solvency
The Debt to FCF ratio of BLX is 13.72, which is on the high side as it means it would take BLX, 13.72 years of fcf income to pay off all of its debts.
BLX's Debt to FCF ratio of 13.72 is in line compared to the rest of the industry. BLX outperforms 53.54% of its industry peers.
BLX has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.
BLX's Debt to Equity ratio of 2.83 is on the low side compared to the rest of the industry. BLX is outperformed by 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.83 | ||
| Debt/FCF | 13.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.07% over the past year.
The Earnings Per Share has been growing by 20.77% on average over the past years. This is a very strong growth
BLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.
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.
Based on estimates for the next years, BLX will show a quite strong growth in Revenue. The Revenue will grow by 8.95% on average per year.
EPS Next Y11.01%
EPS Next 2Y8.9%
EPS Next 3Y8.54%
EPS Next 5Y8.04%
Revenue Next Year10.89%
Revenue Next 2Y8.32%
Revenue Next 3Y8.12%
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.
4. Valuation
4.1 Price/Earnings Ratio
BLX is valuated cheaply with a Price/Earnings ratio of 7.66.
BLX's Price/Earnings ratio is rather cheap when compared to the industry. BLX is cheaper than 84.85% of the companies in the same industry.
When comparing the Price/Earnings ratio of BLX to the average of the S&P500 Index (27.49), we can say BLX is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.88, the valuation of BLX can be described as very cheap.
BLX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BLX is cheaper than 78.79% of the companies in the same industry.
BLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.66 | ||
| Fwd PE | 6.88 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BLX is valued cheaper than 92.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BLX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.7
PEG (5Y)0.37
EPS Next 2Y8.9%
EPS Next 3Y8.54%
5. Dividend
5.1 Amount
BLX has a Yearly Dividend Yield of 5.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.87, BLX pays a better dividend. On top of this BLX pays more dividend than 86.87% 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 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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.
BLX has decreased its dividend recently.
Dividend Growth(5Y)5.91%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
BLX pays out 37.39% 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.
DP37.39%
EPS Next 2Y8.9%
EPS Next 3Y8.54%
NYSE:BLX (10/15/2025, 10:12:51 AM)
45.71
+0.56 (+1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners31.7%
Inst Owner Change0%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.70B
Analysts80
Price Target47.78 (4.53%)
Short Float %0.41%
Short Ratio1.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend1.98
Dividend Growth(5Y)5.91%
DP37.39%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)2.63%
PT rev (3m)6.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.03%
EPS NY rev (3m)3.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)4.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.66 | ||
| Fwd PE | 6.88 | ||
| P/S | 5.25 | ||
| P/FCF | 5.83 | ||
| P/OCF | 5.73 | ||
| P/B | 1.2 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.97
EY13.06%
EPS(NY)6.64
Fwd EY14.53%
FCF(TTM)7.84
FCFY17.16%
OCF(TTM)7.97
OCFY17.44%
SpS8.7
BVpS38.02
TBVpS37.93
PEG (NY)0.7
PEG (5Y)0.37
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
WACC8.83%
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 Y11.01%
EPS Next 2Y8.9%
EPS Next 3Y8.54%
EPS Next 5Y8.04%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y42.83%
Revenue growth 5Y19.12%
Sales Q2Q%19.99%
Revenue Next Year10.89%
Revenue Next 2Y8.32%
Revenue Next 3Y8.12%
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