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BANCO LATINOAMERICANO COME-E (BLX) Stock Fundamental Analysis

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

38.07  -0.75 (-1.93%)

After market: 38.07 0 (0%)

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. While BLX is still in line with the averages on profitability rating, there are concerns on its financial health. BLX is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years BLX has always been profitable.
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 0 500M -500M 1B

1.2 Ratios

With a Return On Assets value of 1.76%, BLX perfoms like the industry average, outperforming 50.49% of the companies in the same industry.
The Return On Equity of BLX (15.33%) is better than 71.29% 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

BLX has a Profit Margin of 66.26%. 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 grown nicely.
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) 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.
Compared to 1 year ago, BLX has about the same amount of shares outstanding.
Compared to 5 years ago, BLX has less shares outstanding
BLX has a better debt/assets ratio than last year.
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.
The Debt to FCF ratio of BLX (9.14) is comparable to the rest of the industry.
A Debt/Equity ratio of 3.01 is on the high side and indicates that BLX has dependencies on debt financing.
With a Debt to Equity ratio value of 3.01, BLX is not doing good in the industry: 76.24% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.01
Debt/FCF 9.14
Altman-Z N/A
ROIC/WACCN/A
WACC8.7%
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.
BLX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.25% yearly.
Looking at the last year, BLX shows a very strong growth in Revenue. The Revenue has grown by 25.45%.
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)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

BLX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.03% yearly.
The Revenue is expected to grow by 9.20% on average over the next years. This is quite good.
EPS Next Y16.25%
EPS Next 2Y10.32%
EPS Next 3Y10.03%
EPS Next 5YN/A
Revenue Next Year17.44%
Revenue Next 2Y11.2%
Revenue Next 3Y9.2%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

Based on the Price/Earnings ratio of 6.96, the valuation of BLX can be described as very cheap.
86.14% of the companies in the same industry are more expensive than BLX, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BLX to the average of the S&P500 Index (29.63), we can say BLX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.86, the valuation of BLX can be described as very cheap.
Based on the Price/Forward Earnings ratio, BLX is valued cheaply inside the industry as 88.12% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, BLX is valued rather cheaply.
Industry RankSector Rank
PE 6.96
Fwd PE 6.86
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

Based on the Price/Free Cash Flow ratio, BLX is valued cheaper than 96.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.25
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

BLX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.43
PEG (5Y)0.33
EPS Next 2Y10.32%
EPS Next 3Y10.03%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.26%, BLX is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.84, BLX pays a better dividend. On top of this BLX pays more dividend than 89.11% of the companies listed in the same industry.
BLX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 5.26%

5.2 History

The dividend of BLX decreases each year by -8.52%.
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)-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 2Y10.32%
EPS Next 3Y10.03%
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 (2/21/2025, 8:04:00 PM)

After market: 38.07 0 (0%)

38.07

-0.75 (-1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2024-10-29/amc
Earnings (Next)02-28 2025-02-28/amc
Inst Owners33.36%
Inst Owner Change-15.36%
Ins Owners1.52%
Ins Owner ChangeN/A
Market Cap1.40B
Analysts82.86
Price Target44.71 (17.44%)
Short Float %0.27%
Short Ratio0.82
Dividend
Industry RankSector Rank
Dividend Yield 5.26%
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%
PT rev (3m)18.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.46%
EPS NY rev (3m)3.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.96
Fwd PE 6.86
P/S 4.62
P/FCF 3.25
P/OCF 3.23
P/B 1.07
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)5.47
EY14.37%
EPS(NY)5.55
Fwd EY14.58%
FCF(TTM)11.71
FCFY30.77%
OCF(TTM)11.79
OCFY30.96%
SpS8.24
BVpS35.6
TBVpS35.52
PEG (NY)0.43
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
WACC8.7%
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 Y16.25%
EPS Next 2Y10.32%
EPS Next 3Y10.03%
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