What is Banco Latinoamericano De's earnings per share (EPS)?

Banco Latinoamericano De (BLX) reported diluted earnings per share of $2.75 for fiscal year 2014. This represents a 25.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Banco Latinoamericano De Financials

BLX

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2014 Currency USD FYE December

This page shows Banco Latinoamericano De (BLX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 72/100

Based on FY2014 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

100

Banco Latinoamericano De has an operating margin of 54.0%, meaning the company retains $54 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 38.6% the prior year.

Growth

Banco Latinoamericano De's revenue grew a modest 3.6% year-over-year to $212.7M. This slow but positive growth earns a score of 39/100.

Leverage

Banco Latinoamericano De carries a low D/E ratio of 0.84, meaning only $0.84 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 85/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Banco Latinoamericano De converts 80.0% of revenue into free cash flow ($170.3M). This strong cash generation earns a score of 100/100.

Returns

Banco Latinoamericano De's ROE of 11.7% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 9.9% the prior year.

Piotroski F-Score Neutral

4/9

Banco Latinoamericano De passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.59x

For every $1 of reported earnings, Banco Latinoamericano De generates $1.59 in operating cash flow ($170.5M OCF vs $106.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

1.6x

Banco Latinoamericano De earns $1.6 in operating income for every $1 of interest expense ($115.0M vs $71.6M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$212.7M

YoY+3.6%

5Y CAGR+8.4%

Banco Latinoamericano De generated $212.7M in revenue in fiscal year 2014. This represents an increase of 3.6% from the prior year.

EBITDA

$117.5M

YoY+43.3%

Banco Latinoamericano De's EBITDA was $117.5M in fiscal year 2014, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 43.3% from the prior year.

Net Income

$106.9M

YoY+26.2%

5Y CAGR+14.3%

Banco Latinoamericano De reported $106.9M in net income in fiscal year 2014. This represents an increase of 26.2% from the prior year.

EPS (Diluted)

$2.75

YoY+25.0%

5Y CAGR+12.9%

Banco Latinoamericano De earned $2.75 per diluted share (EPS) in fiscal year 2014. This represents an increase of 25.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$170.3M

YoY+214.9%

5Y CAGR+62.5%

Banco Latinoamericano De generated $170.3M in free cash flow in fiscal year 2014, representing cash available after capex. This represents an increase of 214.9% from the prior year.

Cash & Debt

$741.3M

YoY-10.8%

5Y CAGR+13.0%

Banco Latinoamericano De held $741.3M in cash against $761.6M in long-term debt as of fiscal year 2014.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

54.0%

YoY+15.4pp

Banco Latinoamericano De's operating margin was 54.0% in fiscal year 2014, reflecting core business profitability. This is up 15.4 percentage points from the prior year.

Net Margin

50.3%

YoY+9.0pp

5Y CAGR+11.6pp

Banco Latinoamericano De's net profit margin was 50.3% in fiscal year 2014, showing the share of revenue converted to profit. This is up 9.0 percentage points from the prior year.

Return on Equity

11.7%

YoY+1.9pp

5Y CAGR+3.6pp

Banco Latinoamericano De's ROE was 11.7% in fiscal year 2014, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$640K

YoY+2270.4%

Banco Latinoamericano De spent $640K on share buybacks in fiscal year 2014, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2270.4% from the prior year.

Capital Expenditures

$150K

YoY-68.5%

5Y CAGR-42.8%

Banco Latinoamericano De invested $150K in capex in fiscal year 2014, funding long-term assets and infrastructure. This represents a decrease of 68.5% from the prior year.

BLX Income Statement

Metric	FY14	FY13	FY12	FY11	FY10	FY09
Revenue	$212.7M+3.6%	$205.3M+6.7%	$192.4M+22.2%	$157.4M+31.8%	$119.5M-15.8%	$142.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$115.0M+45.1%	$79.2M+4.3%	$76.0M-14.4%	$88.7M+156.8%	$34.5M	N/A
Interest Expense	$71.6M-12.9%	$82.2M-6.0%	$87.5M+59.8%	$54.7M+21.7%	$45.0M-41.8%	$77.2M
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	$106.9M+26.2%	$84.8M-8.9%	$93.0M+11.8%	$83.2M+96.9%	$42.2M-23.0%	$54.9M
EPS (Diluted)	$2.75+25.0%	$2.20-10.2%	$2.45+9.4%	$2.24+94.8%	$1.15-23.3%	$1.50

Metric	Q4'14	Q4'13	Q4'12	Q4'11	Q4'10
Revenue	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A

BLX Balance Sheet

Metric	FY14	FY13	FY12	FY11	FY10	FY09
Total Assets	$8.0B+7.4%	$7.5B+10.6%	$6.8B+6.2%	$6.4B+24.7%	$5.1B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$741.3M-10.8%	$830.7M+20.0%	$692.5M-12.3%	$789.5M+87.7%	$420.6M+4.6%	$402.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$4.3M+182.8%	$1.5M-13.4%	$1.7M+38.8%	$1.3M	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.1B+8.4%	$6.6B+10.7%	$5.9B+5.9%	$5.6B+27.6%	$4.4B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$761.6M+22.3%	$622.5M+2.5%	$607.3M+1231.4%	$45.6M-95.8%	$1.1B	N/A
Total Equity	$911.1M+6.2%	$858.0M+3.8%	$826.5M+8.8%	$759.3M+8.9%	$697.0M+3.2%	$675.6M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'14	Q4'13	Q4'12	Q4'11	Q4'10
Total Assets	$8.0B+7.4%	$7.5B+10.6%	$6.8B+6.2%	$6.4B+24.7%	$5.1B
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$741.3M-10.8%	$830.7M+20.0%	$692.5M-12.3%	$789.5M+87.7%	$420.6M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$4.3M+182.8%	$1.5M-13.4%	$1.7M+38.8%	$1.3M	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.1B+8.4%	$6.6B+10.7%	$5.9B+5.9%	$5.6B+27.6%	$4.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$761.6M+22.3%	$622.5M+2.5%	$607.3M+1231.4%	$45.6M-95.8%	$1.1B
Total Equity	$911.1M+6.2%	$858.0M+3.8%	$826.5M+8.8%	$759.3M+8.9%	$697.0M
Retained Earnings	N/A	N/A	N/A	N/A	N/A

BLX Cash Flow Statement

Metric	FY14	FY13	FY12	FY11	FY10	FY09
Operating Cash Flow	$170.5M+212.4%	$54.6M-43.8%	$97.1M-46.1%	$180.2M+161.0%	$69.0M+295.2%	$17.5M
Capital Expenditures	$150K-68.5%	$476K-95.6%	$10.8M+387.5%	$2.2M+73.3%	$1.3M-47.7%	$2.5M
Free Cash Flow	$170.3M+214.9%	$54.1M-37.3%	$86.3M-51.5%	$178.0M+162.7%	$67.8M+351.1%	$15.0M
Investing Cash Flow	-$604.9M-0.6%	-$601.6M-19.4%	-$503.8M+49.9%	-$1.0B+17.9%	-$1.2B-1269.9%	$104.8M
Financing Cash Flow	$345.1M-49.6%	$685.2M+121.1%	$309.8M-74.1%	$1.2B+1.7%	$1.2B+315.3%	-$545.8M
Dividends Paid	$54.3M+17.9%	$46.0M+15.9%	$39.7M+34.6%	$29.5M+29.9%	$22.7M-34.3%	$34.6M
Share Buybacks	$640K+2270.4%	$27K	$0	$0-100.0%	$3K	N/A

Metric	Q4'14	Q4'13	Q4'12	Q4'11	Q4'10
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

BLX Financial Ratios

Metric	FY14	FY13	FY12	FY11	FY10	FY09
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	54.0%+15.4pp	38.6%-0.9pp	39.5%-16.9pp	56.4%+27.4pp	28.9%	N/A
Net Margin	50.3%+9.0pp	41.3%-7.1pp	48.3%-4.5pp	52.8%+17.5pp	35.4%-3.3pp	38.6%
Return on Equity	11.7%+1.9pp	9.9%-1.4pp	11.3%+0.3pp	11.0%+4.9pp	6.1%-2.1pp	8.1%
Return on Assets	1.3%+0.2pp	1.1%-0.3pp	1.4%+0.1pp	1.3%+0.5pp	0.8%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.84+0.1	0.730.0	0.73+0.7	0.06-1.5	1.54	N/A
FCF Margin	80.0%+53.7pp	26.3%-18.5pp	44.8%-68.2pp	113.1%+56.3pp	56.7%+46.1pp	10.6%

Metric	Q4'14	Q4'13	Q4'12	Q4'11	Q4'10
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.84+0.1	0.730.0	0.73+0.7	0.06-1.5	1.54
FCF Margin	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Banco Latinoamericano De's annual revenue?

Banco Latinoamericano De (BLX) reported $212.7M in total revenue for fiscal year 2014. This represents a 3.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Banco Latinoamericano De's revenue growing?

Banco Latinoamericano De (BLX) revenue grew by 3.6% year-over-year, from $205.3M to $212.7M in fiscal year 2014.

Is Banco Latinoamericano De profitable?

Yes, Banco Latinoamericano De (BLX) reported a net income of $106.9M in fiscal year 2014, with a net profit margin of 50.3%.

What is Banco Latinoamericano De's EBITDA?

Banco Latinoamericano De (BLX) had EBITDA of $117.5M in fiscal year 2014, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Banco Latinoamericano De have?

As of fiscal year 2014, Banco Latinoamericano De (BLX) had $741.3M in cash and equivalents against $761.6M in long-term debt.

What is Banco Latinoamericano De's operating margin?

Banco Latinoamericano De (BLX) had an operating margin of 54.0% in fiscal year 2014, reflecting the profitability of core business operations before interest and taxes.

What is Banco Latinoamericano De's net profit margin?

Banco Latinoamericano De (BLX) had a net profit margin of 50.3% in fiscal year 2014, representing the share of revenue converted into profit after all expenses.

What is Banco Latinoamericano De's return on equity (ROE)?

Banco Latinoamericano De (BLX) has a return on equity of 11.7% for fiscal year 2014, measuring how efficiently the company generates profit from shareholder equity.

What is Banco Latinoamericano De's free cash flow?

Banco Latinoamericano De (BLX) generated $170.3M in free cash flow during fiscal year 2014. This represents a 214.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Banco Latinoamericano De's operating cash flow?

Banco Latinoamericano De (BLX) generated $170.5M in operating cash flow during fiscal year 2014, representing cash generated from core business activities.

What are Banco Latinoamericano De's total assets?

Banco Latinoamericano De (BLX) had $8.0B in total assets as of fiscal year 2014, including both current and long-term assets.

What are Banco Latinoamericano De's capital expenditures?

Banco Latinoamericano De (BLX) invested $150K in capital expenditures during fiscal year 2014, funding long-term assets and infrastructure.

Does Banco Latinoamericano De buy back shares?

Yes, Banco Latinoamericano De (BLX) spent $640K on share buybacks during fiscal year 2014, returning capital to shareholders by reducing shares outstanding.

What is Banco Latinoamericano De's debt-to-equity ratio?

Banco Latinoamericano De (BLX) had a debt-to-equity ratio of 0.84 as of fiscal year 2014, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Banco Latinoamericano De's return on assets (ROA)?

Banco Latinoamericano De (BLX) had a return on assets of 1.3% for fiscal year 2014, measuring how efficiently the company uses its assets to generate profit.

What is Banco Latinoamericano De's Piotroski F-Score?

Banco Latinoamericano De (BLX) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Banco Latinoamericano De's earnings high quality?

Banco Latinoamericano De (BLX) has an earnings quality ratio of 1.59x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Banco Latinoamericano De cover its interest payments?

Banco Latinoamericano De (BLX) has an interest coverage ratio of 1.6x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Banco Latinoamericano De?

Banco Latinoamericano De (BLX) scores 72 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.