BANCO LATINOAMERICANO COME-E (BLX)
PAP169941328 - Common Stock
BLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. While BLX is still in line with the averages on profitability rating, there are concerns on its financial health. BLX is growing strongly while it is still valued neutral. This is a good combination!
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.
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
With a Return On Assets value of 1.55%, BLX perfoms like the industry average, outperforming 56.86% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.80%, BLX is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 13.8% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)1.1%
ROE(3y)9.58%
ROE(5y)8.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BLX has a better Profit Margin (62.43%) than 98.04% of its industry peers.
In the last couple of years the Profit Margin of BLX has grown nicely.
BLX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 62.43% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.88%
PM growth 5Y48.3%
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 about the same amout of 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
BLX has a debt to FCF ratio of 4.42. This is a neutral value as BLX would need 4.42 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.42, BLX is doing good in the industry, outperforming 63.73% of the companies in the same industry.
BLX has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
BLX has a Debt to Equity ratio of 3.89. This is in the lower half of the industry: BLX underperforms 79.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | 4.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.24%, which is quite impressive.
Measured over the past years, BLX shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.25% on average per year.
BLX shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.67%.
Measured over the past years, BLX shows a quite strong growth in Revenue. The Revenue has been growing by 15.85% on average per year.
EPS 1Y (TTM)80.24%
EPS 3Y41.72%
EPS 5Y21.25%
EPS growth Q2Q49.41%
Revenue 1Y (TTM)59.67%
Revenue growth 3Y38.95%
Revenue growth 5Y15.85%
Revenue growth Q2Q46.27%
3.2 Future
Based on estimates for the next years, BLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.71% on average per year.
BLX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.11% yearly.
EPS Next Y1.58%
EPS Next 2Y5.79%
EPS Next 3Y9.71%
EPS Next 5YN/A
Revenue Next Year3.49%
Revenue Next 2Y5.47%
Revenue Next 3Y8.11%
Revenue Next 5YN/A
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
A Price/Earnings ratio of 6.66 indicates a rather cheap valuation of BLX.
Based on the Price/Earnings ratio, BLX is valued cheaper than 92.16% of the companies in the same industry.
When comparing the Price/Earnings ratio of BLX to the average of the S&P500 Index (28.28), we can say BLX is valued rather cheaply.
The Price/Forward Earnings ratio is 6.56, which indicates a rather cheap valuation of BLX.
Based on the Price/Forward Earnings ratio, BLX is valued cheaper than 91.18% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BLX to the average of the S&P500 Index (20.88), we can say BLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.66 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
BLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BLX is cheaper than 98.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.05 | ||
| 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)4.23
PEG (5Y)0.31
EPS Next 2Y5.79%
EPS Next 3Y9.71%
5. Dividend
5.1 Amount
BLX has a Yearly Dividend Yield of 6.68%, which is a nice return.
BLX's Dividend Yield is rather good when compared to the industry average which is at 3.57. BLX pays more dividend than 96.08% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, BLX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
5.2 History
The dividend of BLX decreases each year by -8.52%.
BLX has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-8.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BLX pays out 21.83% of its income as dividend. This is a sustainable payout ratio.
DP21.83%
EPS Next 2Y5.79%
EPS Next 3Y9.71%
BANCO LATINOAMERICANO COME-E
NYSE:BLX (5/3/2024, 7:04:00 PM)
After market: 30.39 0 (0%)30.39
+0.45 (+1.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.12B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.66 | ||
| Fwd PE | 6.56 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)4.23
PEG (5Y)0.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 13.8% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 62.43% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)80.24%
EPS 3Y41.72%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.58%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)59.67%
Revenue growth 3Y38.95%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y