BANCO LATINOAMERICANO COME-E(NYSE:BLX) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BLX scores 4 out of 10 in our fundamental rating. BLX was compared to 101 industry peers in the Financial Services industry. Both the profitability and financial health of BLX have multiple concerns. BLX is not valued too expensively and it also shows a decent growth rate. Finally BLX also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BLX was profitable.

BLX had a negative operating cash flow in the past year.

Each year in the past 5 years BLX has been profitable.

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

BLX has a Return On Assets of 1.74%. This is comparable to the rest of the industry: BLX outperforms 52.48% of its industry peers.

With a decent Return On Equity value of 15.40%, BLX is doing good in the industry, outperforming 72.28% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

BLX has a Profit Margin of 67.80%. This is amongst the best in the industry. BLX outperforms 99.01% of its industry peers.

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

BLX has a better debt/assets ratio than last year.

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 76.24% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	3.43
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.81%, which is quite impressive.

BLX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.77% yearly.

BLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.09%.

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)22.81%

EPS 3Y50.58%

EPS 5Y20.77%

EPS Q2Q%10.24%

Revenue 1Y (TTM)14.09%

Revenue growth 3Y42.83%

Revenue growth 5Y19.12%

Sales Q2Q%0.82%

3.2 Future

BLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.30% yearly.

Based on estimates for the next years, BLX will show a small growth in Revenue. The Revenue will grow by 6.69% on average per year.

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.91, the valuation of BLX can be described as very cheap.

Based on the Price/Earnings ratio, BLX is valued cheaper than 85.15% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.78, BLX is valued rather cheaply.

BLX is valuated cheaply with a Price/Forward Earnings ratio of 6.97.

81.19% 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 (21.32), we can say BLX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.91
Fwd PE	6.97

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.33

EPS Next 2Y4.52%

EPS Next 3Y7.3%

More info and screens

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.46%, BLX is a good candidate for dividend investing.

BLX's Dividend Yield is rather good when compared to the industry average which is at 4.92. BLX pays more dividend than 87.13% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.46, BLX pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.46%

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.

The dividend of BLX decreased recently.

Dividend Growth(5Y)5.91%

Div Incr Years1

Div Non Decr Years1

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%

More info and screens

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BANCO LATINOAMERICANO COME-E

NYSE:BLX (4/25/2025, 8:04:00 PM)

After market: 38.71 0 (0%)

38.71

+0.01 (+0.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-27 2025-02-27/amc

Earnings (Next)05-05 2025-05-05

Inst Owners32.77%

Inst Owner Change1.14%

Ins Owners1.52%

Ins Owner ChangeN/A

Market Cap1.44B

Analysts82.86

Price Target44.71 (15.5%)

Short Float %0.61%

Short Ratio1.59

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.46%

Yearly Dividend1.98

Dividend Growth(5Y)5.91%

DP35.35%

Div Incr Years1

Div Non Decr Years1

Ex-Date03-10 2025-03-10 (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)0.11%

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 Rank	Sector Rank
PE	6.91
Fwd PE	6.97
P/S	4.74
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)5.6

EY14.47%

EPS(NY)5.55

Fwd EY14.34%

FCF(TTM)-3.41

FCFYN/A

OCF(TTM)-3.3

OCFYN/A

SpS8.17

BVpS35.98

TBVpS35.88

PEG (NY)N/A

PEG (5Y)0.33

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC10.26%

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)22.81%

EPS 3Y50.58%

EPS 5Y20.77%

EPS Q2Q%10.24%

EPS Next Y-0.85%

EPS Next 2Y4.52%

EPS Next 3Y7.3%

EPS Next 5YN/A

Revenue 1Y (TTM)14.09%

Revenue growth 3Y42.83%

Revenue growth 5Y19.12%

Sales Q2Q%0.82%

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

BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens