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BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

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

38.8  +0.06 (+0.15%)

Premarket: 39.78 +0.98 (+2.53%)

Fundamental Rating

5

Taking everything into account, BLX scores 5 out of 10 in our fundamental rating. BLX was compared to 101 industry peers in the Financial Services industry. BLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. An interesting combination arises when we look at growth and value: BLX is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BLX had positive earnings in the past year.
BLX had a positive operating cash flow in the past year.
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.
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 0 500M -500M 1B

1.2 Ratios

BLX has a Return On Assets (1.76%) which is comparable to the rest of the industry.
BLX has a better Return On Equity (15.33%) than 73.27% of its industry peers.
Industry RankSector Rank
ROA 1.76%
ROE 15.33%
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
BLX Yearly ROA, ROE, ROICBLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 66.26%, BLX belongs to the top of the industry, outperforming 98.02% of the companies in the same industry.
In the last couple of years the Profit Margin of BLX has grown nicely.
The Operating Margin and Gross Margin are not available for BLX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 66.26%
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
BLX Yearly Profit, Operating, Gross MarginsBLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60

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2

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 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BLX has less shares outstanding
The debt/assets ratio for BLX has been reduced compared to a year ago.
BLX Yearly Shares OutstandingBLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of BLX is 9.14, which is on the high side as it means it would take BLX, 9.14 years of fcf income to pay off all of its debts.
BLX has a Debt to FCF ratio (9.14) which is comparable to the rest of the industry.
BLX has a Debt/Equity ratio of 3.01. This is a high value indicating a heavy dependency on external financing.
BLX has a Debt to Equity ratio of 3.01. This is in the lower half of the industry: BLX underperforms 76.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.01
Debt/FCF 9.14
Altman-Z N/A
ROIC/WACCN/A
WACC8.78%
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 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 500M 1B 1.5B 2B 2.5B

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7

3. Growth

3.1 Past

BLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.13%, 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.
The Revenue has grown by 25.45% in the past year. This is a very strong growth!
The Revenue has been growing by 15.85% on average over the past years. This is quite good.
EPS 1Y (TTM)32.13%
EPS 3Y41.72%
EPS 5Y21.25%
EPS Q2Q%15.2%
Revenue 1Y (TTM)25.45%
Revenue growth 3Y38.95%
Revenue growth 5Y15.85%
Sales Q2Q%8.05%

3.2 Future

The Earnings Per Share is expected to grow by 10.68% 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 9.20% yearly.
EPS Next Y12.36%
EPS Next 2Y10.29%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue Next Year17.44%
Revenue Next 2Y11.2%
Revenue Next 3Y9.2%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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 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 2 4 6

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.09 indicates a rather cheap valuation of BLX.
BLX's Price/Earnings ratio is rather cheap when compared to the industry. BLX is cheaper than 86.14% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.94. BLX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.00, which indicates a rather cheap valuation of BLX.
86.14% of the companies in the same industry are more expensive than BLX, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BLX to the average of the S&P500 Index (24.11), we can say BLX is valued rather cheaply.
Industry RankSector Rank
PE 7.09
Fwd PE 7
BLX Price Earnings VS Forward Price EarningsBLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BLX is cheaper than 96.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.31
EV/EBITDA N/A
BLX Per share dataBLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.57
PEG (5Y)0.33
EPS Next 2Y10.29%
EPS Next 3Y10.68%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.16%, BLX is a good candidate for dividend investing.
BLX's Dividend Yield is rather good when compared to the industry average which is at 3.66. BLX pays more dividend than 90.10% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, BLX pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.16%

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.
BLX has decreased its dividend recently.
Dividend Growth(5Y)-8.52%
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 0.5 1 1.5

5.3 Sustainability

BLX pays out 31.65% of its income as dividend. This is a sustainable payout ratio.
DP31.65%
EPS Next 2Y10.29%
EPS Next 3Y10.68%
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 0 500M -500M 1B
BLX Dividend Payout.BLX Dividend Payout, showing the Payout Ratio.BLX Dividend Payout.PayoutRetained Earnings

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (1/17/2025, 8:04:00 PM)

Premarket: 39.78 +0.98 (+2.53%)

38.8

+0.06 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2024-10-29/amc
Earnings (Next)02-20 2025-02-20/amc
Inst Owners33.36%
Inst Owner Change0%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.43B
Analysts82.86
Price Target44.71 (15.23%)
Short Float %0.24%
Short Ratio0.67
Dividend
Industry RankSector Rank
Dividend Yield 5.16%
Yearly Dividend1
Dividend Growth(5Y)-8.52%
DP31.65%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.23%
Min EPS beat(2)19.16%
Max EPS beat(2)27.3%
EPS beat(4)4
Avg EPS beat(4)18.21%
Min EPS beat(4)4.79%
Max EPS beat(4)27.3%
EPS beat(8)8
Avg EPS beat(8)17.49%
EPS beat(12)11
Avg EPS beat(12)13.86%
EPS beat(16)13
Avg EPS beat(16)8.86%
Revenue beat(2)2
Avg Revenue beat(2)31.81%
Min Revenue beat(2)29.05%
Max Revenue beat(2)34.57%
Revenue beat(4)4
Avg Revenue beat(4)29.23%
Min Revenue beat(4)24.34%
Max Revenue beat(4)34.57%
Revenue beat(8)8
Avg Revenue beat(8)21.47%
Revenue beat(12)12
Avg Revenue beat(12)18.54%
Revenue beat(16)14
Avg Revenue beat(16)13.15%
PT rev (1m)0.77%
PT rev (3m)18.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)10.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)13.48%
Valuation
Industry RankSector Rank
PE 7.09
Fwd PE 7
P/S 4.71
P/FCF 3.31
P/OCF 3.29
P/B 1.09
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)5.47
EY14.1%
EPS(NY)5.55
Fwd EY14.29%
FCF(TTM)11.71
FCFY30.19%
OCF(TTM)11.79
OCFY30.38%
SpS8.24
BVpS35.6
TBVpS35.52
PEG (NY)0.57
PEG (5Y)0.33
Profitability
Industry RankSector Rank
ROA 1.76%
ROE 15.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 66.26%
GM N/A
FCFM 142.24%
ROA(3y)1.11%
ROA(5y)1.1%
ROE(3y)9.58%
ROE(5y)8.67%
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 3Y-0.88%
PM growth 5Y48.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.01
Debt/FCF 9.14
Debt/EBITDA N/A
Cap/Depr 79.35%
Cap/Sales 0.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 214.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.78%
ROIC/WACCN/A
Cap/Depr(3y)62.57%
Cap/Depr(5y)56.33%
Cap/Sales(3y)1.06%
Cap/Sales(5y)1.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.13%
EPS 3Y41.72%
EPS 5Y21.25%
EPS Q2Q%15.2%
EPS Next Y12.36%
EPS Next 2Y10.29%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue 1Y (TTM)25.45%
Revenue growth 3Y38.95%
Revenue growth 5Y15.85%
Sales Q2Q%8.05%
Revenue Next Year17.44%
Revenue Next 2Y11.2%
Revenue Next 3Y9.2%
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 1Y125.35%
FCF growth 3Y-5.22%
FCF growth 5YN/A
OCF growth 1Y125.54%
OCF growth 3Y-5.22%
OCF growth 5YN/A