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BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

NYSE:BLX - New York Stock Exchange, Inc. - PAP169941328 - Common Stock - Currency: USD

41.21  +0.3 (+0.73%)

After market: 41.3 +0.09 (+0.22%)

Fundamental Rating

4

BLX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. BLX has a bad profitability rating. Also its financial health evaluation is rather negative. BLX has a correct valuation and a medium growth rate. Finally BLX also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
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.
BLX Yearly Net Income VS EBIT VS OCF VS FCFBLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

BLX's Return On Assets of 1.74% is in line compared to the rest of the industry. BLX outperforms 52.48% of 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 RankSector 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
BLX Yearly ROA, ROE, ROICBLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With an excellent Profit Margin value of 67.80%, BLX belongs to the best of the industry, outperforming 99.01% of the companies in the same industry.
In the last couple of years the Profit Margin of BLX has remained more or less at the same level.
BLX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
BLX Yearly Profit, Operating, Gross MarginsBLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1

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.
BLX has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BLX has an improved debt to assets ratio.
BLX Yearly Shares OutstandingBLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BLX Yearly Total Debt VS Total AssetsBLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

A Debt/Equity ratio of 3.43 is on the high side and indicates that BLX has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.43, BLX is doing worse than 75.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.38%
BLX Yearly LT Debt VS Equity VS FCFBLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BLX Yearly Current Assets VS Current LiabilitesBLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.36% 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 14.10%.
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)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

Based on estimates for the next years, BLX will show a small growth in Earnings Per Share. The EPS will grow by 7.30% on average per year.
The Revenue is expected to grow by 6.69% on average over the next years.
EPS Next Y-0.85%
EPS Next 2Y4.52%
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

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BLX Yearly Revenue VS EstimatesBLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
BLX Yearly EPS VS EstimatesBLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

5

4. Valuation

4.1 Price/Earnings Ratio

BLX is valuated cheaply with a Price/Earnings ratio of 7.36.
83.17% of the companies in the same industry are more expensive than BLX, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 24.85. BLX is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.74, the valuation of BLX can be described as very cheap.
Based on the Price/Forward Earnings ratio, BLX is valued a bit cheaper than 76.24% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.89. BLX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.36
Fwd PE 6.74
BLX Price Earnings VS Forward Price EarningsBLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BLX Per share dataBLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y4.52%
EPS Next 3Y7.3%

8

5. Dividend

5.1 Amount

BLX has a Yearly Dividend Yield of 6.12%, which is a nice return.
BLX's Dividend Yield is rather good when compared to the industry average which is at 5.08. BLX pays more dividend than 85.15% of the companies in the same industry.
BLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 6.12%

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
BLX Yearly Dividends per shareBLX Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BLX pays out 35.35% 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.
DP35.35%
EPS Next 2Y4.52%
EPS Next 3Y7.3%
BLX Yearly Income VS Free CF VS DividendBLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
BLX Dividend Payout.BLX Dividend Payout, showing the Payout Ratio.BLX Dividend Payout.PayoutRetained Earnings

BANCO LATINOAMERICANO COME-E

NYSE:BLX (5/14/2025, 8:22:05 PM)

After market: 41.3 +0.09 (+0.22%)

41.21

+0.3 (+0.73%)

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 Change1.44%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.53B
Analysts82.86
Price Target44.71 (8.49%)
Short Float %1.02%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield 6.12%
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)0.06%
EPS NY rev (3m)0.06%
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 RankSector Rank
PE 7.36
Fwd PE 6.74
P/S 5.04
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)5.6
EY13.59%
EPS(NY)6.12
Fwd EY14.85%
FCF(TTM)-3.41
FCFYN/A
OCF(TTM)-3.3
OCFYN/A
SpS8.17
BVpS35.98
TBVpS35.88
PEG (NY)N/A
PEG (5Y)0.35
Profitability
Industry RankSector 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 RankSector 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
WACC10.38%
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 Y-0.85%
EPS Next 2Y4.52%
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