BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis
USA - NYSE:BLX - PAP169941328 - Common Stock
44.2 USD
+0.36 (+0.82%)
We assign a fundamental rating of 4 out of 10 to BLX. 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 may be a bit undervalued, certainly considering the very reasonable score on growth BLX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BLX was profitable.
BLX had a positive operating cash flow in the past year.
In the past 5 years BLX has always been profitable.
In multiple years BLX reported negative operating cash flow during the last 5 years.
1.2 Ratios
BLX's Return On Assets of 1.78% is in line compared to the rest of the industry. BLX outperforms 55.56% of its industry peers.
BLX has a better Return On Equity (13.51%) than 70.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 13.51% | ||
| 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
With an excellent Profit Margin value of 67.55%, BLX belongs to the best of the industry, outperforming 98.99% of the companies in the same industry.
BLX's Profit Margin has been stable in the last couple of years.
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) | 67.55% | ||
| 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.
BLX has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BLX has been reduced compared to 5 years ago.
The debt/assets ratio for BLX has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BLX is 4.22, which is a neutral value as it means it would take BLX, 4.22 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.22, BLX is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
A Debt/Equity ratio of 2.17 is on the high side and indicates that BLX has dependencies on debt financing.
The Debt to Equity ratio of BLX (2.17) is worse than 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 4.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.81%
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 9.87% over the past year.
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.
BLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.65%.
Measured over the past years, BLX shows a quite strong growth in Revenue. The Revenue has been growing by 19.12% on average per year.
EPS 1Y (TTM)9.87%
EPS 3Y50.58%
EPS 5Y20.77%
EPS Q2Q%2.78%
Revenue 1Y (TTM)8.65%
Revenue growth 3Y42.83%
Revenue growth 5Y19.12%
Sales Q2Q%6.7%
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 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
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.
4. Valuation
4.1 Price/Earnings Ratio
BLX is valuated cheaply with a Price/Earnings ratio of 7.35.
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.
The average S&P500 Price/Earnings ratio is at 25.51. BLX is valued rather cheaply when compared to this.
BLX is valuated cheaply with a Price/Forward Earnings ratio of 6.66.
77.78% of the companies in the same industry are more expensive than BLX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.98, BLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.35 | ||
| Fwd PE | 6.66 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BLX indicates a rather cheap valuation: BLX is cheaper than 97.98% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.67
PEG (5Y)0.35
EPS Next 2Y8.9%
EPS Next 3Y8.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.65%, BLX is a good candidate for dividend investing.
BLX's Dividend Yield is rather good when compared to the industry average which is at 4.68. BLX pays more dividend than 83.84% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, BLX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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
BLX pays out 39.18% of its income as dividend. This is a sustainable payout ratio.
The dividend of BLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.18%
EPS Next 2Y8.9%
EPS Next 3Y8.54%
NYSE:BLX (11/19/2025, 2:55:39 PM)
44.2
+0.36 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners31.7%
Inst Owner Change-7.8%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)329.19M
Net Income(TTM)222.37M
Analysts80
Price Target50.29 (13.78%)
Short Float %0.41%
Short Ratio1.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
Yearly Dividend1.98
Dividend Growth(5Y)5.91%
DP39.18%
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)5.25%
PT rev (3m)13.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.35 | ||
| Fwd PE | 6.66 | ||
| P/S | 5 | ||
| P/FCF | 1.95 | ||
| P/OCF | 1.94 | ||
| P/B | 1 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.01
EY13.6%
EPS(NY)6.64
Fwd EY15.02%
FCF(TTM)22.71
FCFY51.39%
OCF(TTM)22.8
OCFY51.57%
SpS8.84
BVpS44.22
TBVpS43.91
PEG (NY)0.67
PEG (5Y)0.35
Graham Number77.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 13.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 67.55% | ||
| GM | N/A | ||
| FCFM | 256.86% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 4.22 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 74.78% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 380.25% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.81%
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)9.87%
EPS 3Y50.58%
EPS 5Y20.77%
EPS Q2Q%2.78%
EPS Next Y11.01%
EPS Next 2Y8.9%
EPS Next 3Y8.54%
EPS Next 5Y8.04%
Revenue 1Y (TTM)8.65%
Revenue growth 3Y42.83%
Revenue growth 5Y19.12%
Sales Q2Q%6.7%
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-29.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-29.13%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO LATINOAMERICANO COME-E / BLX FAQ
What is the ChartMill fundamental rating of BANCO LATINOAMERICANO COME-E (BLX) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BLX.
What is the valuation status for BLX stock?
ChartMill assigns a valuation rating of 7 / 10 to BANCO LATINOAMERICANO COME-E (BLX). This can be considered as Undervalued.
Can you provide the profitability details for BANCO LATINOAMERICANO COME-E?
BANCO LATINOAMERICANO COME-E (BLX) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANCO LATINOAMERICANO COME-E (BLX) stock?
The Price/Earnings (PE) ratio for BANCO LATINOAMERICANO COME-E (BLX) is 7.35 and the Price/Book (PB) ratio is 1.
Can you provide the dividend sustainability for BLX stock?
The dividend rating of BANCO LATINOAMERICANO COME-E (BLX) is 8 / 10 and the dividend payout ratio is 39.18%.