Banco Latinoamericano De Financials

BLX

Source SEC Filings (10-K/10-Q) Updated Apr 20, 2026 Currency USD FYE April

This page shows Banco Latinoamericano De (BLX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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).

Rhea AI BLX FY2025 2026-04-22

A balance-sheet-heavy model turns modest asset returns into stronger shareholder returns through funding scale, not corporate borrowing.

With $12.8B of assets producing only a 1.8% return on assets but a 13.5% return on equity, the business is earning for shareholders mainly through balance-sheet scale rather than high margins on reported revenue. That fits a funding structure where total liabilities of $11.1B dwarf long-term debt of just $17.0M, implying the core engine is a large funded asset base, not debt-fueled corporate leverage.

Operating cash flow of $780.2M exceeded net income of $226.9M by a wide margin, so reported earnings were accompanied by cash instead of being trapped inside the asset base. With $1.82B in cash and equivalents, the company held immediate liquidity slightly above its $1.68B equity base.

The headline debt ratio can understate how this business is financed: long-term debt was only $17.0M, yet total liabilities were $11.1B. That means the reported debt-to-equity ratio captures only one slice of funding, so the more revealing question is how profit and liquidity support the larger liability base.

Financial Health Signals

Financial Profile 56/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Banco Latinoamericano De's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Banco Latinoamericano De's revenue declined 94.3% year-over-year, from $212.7M to $12.2M. This contraction results in a growth score of 0/100.

Leverage

100

Banco Latinoamericano De carries a low D/E ratio of 0.01, meaning only $0.01 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Returns

Banco Latinoamericano De's ROE of 13.5% shows moderate profitability relative to equity, earning a score of 38/100. This is up from 11.7% the prior year.

Piotroski F-Score Neutral

5/9

Banco Latinoamericano De passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

3.44x

For every $1 of reported earnings, Banco Latinoamericano De generates $3.44 in operating cash flow ($780.2M OCF vs $226.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$12.2M

YoY-94.3%

5Y CAGR-36.6%

Banco Latinoamericano De generated $12.2M in revenue in fiscal year 2025. This represents a decrease of 94.3% from the prior year.

EBITDA

N/A

Net Income

$226.9M

YoY+112.2%

5Y CAGR+40.0%

Banco Latinoamericano De reported $226.9M in net income in fiscal year 2025. This represents an increase of 112.2% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$1.8B

YoY+145.5%

5Y CAGR+34.0%

Banco Latinoamericano De held $1.8B in cash against $17.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

Banco Latinoamericano De had 6M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1858.9%

YoY+1808.7pp

5Y CAGR+1823.6pp

Banco Latinoamericano De's net profit margin was 1858.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1808.7 percentage points from the prior year.

Return on Equity

13.5%

YoY+1.8pp

5Y CAGR+7.4pp

Banco Latinoamericano De's ROE was 13.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

BLX Income Statement

Metric	FY25	FY14	FY13	FY12	FY11	FY10
Revenue	$12.2M-94.3%	$212.7M+3.6%	$205.3M+6.7%	$192.4M+22.2%	$157.4M+31.8%	$119.5M
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	$31.3M-1.1%	$31.7M-4.4%	$33.2M+19.2%	$27.8M+25.1%	$22.3M
Operating Income	N/A	$115.0M+45.1%	$79.2M+4.3%	$76.0M-14.4%	$88.7M+156.8%	$34.5M
Interest Expense	$714K-99.0%	$71.6M-12.9%	$82.2M-6.0%	$87.5M+59.8%	$54.7M+21.7%	$45.0M
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	$226.9M+112.2%	$106.9M+26.2%	$84.8M-8.9%	$93.0M+11.8%	$83.2M+96.9%	$42.2M
EPS (Diluted)	N/A	$2.75+25.0%	$2.20-10.2%	$2.45+9.4%	$2.24+94.8%	$1.15

Metric	Q3'15	Q3'14	Q3'13	Q3'12	Q3'11
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	FY25	FY14	FY13	FY12	FY11	FY10
Total Assets	$12.8B+59.3%	$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	N/A
Cash & Equivalents	$1.8B+145.5%	$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	N/A
Accounts Receivable	N/A	$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	N/A
Total Liabilities	$11.1B+56.1%	$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	N/A
Long-Term Debt	$17.0M-97.8%	$761.6M+22.3%	$622.5M+2.5%	$607.3M+1231.4%	$45.6M-95.8%	$1.1B
Total Equity	$1.7B+84.3%	$911.1M+6.2%	$858.0M+3.8%	$826.5M+8.8%	$759.3M+8.9%	$697.0M
Retained Earnings	$916.4M	N/A	N/A	N/A	N/A	N/A

Metric	Q3'15	Q3'14	Q3'13	Q3'12	Q3'11
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	FY25	FY14	FY13	FY12	FY11	FY10
Operating Cash Flow	$780.2M+357.8%	$170.5M+212.4%	$54.6M-43.8%	$97.1M-46.1%	$180.2M+161.0%	$69.0M
Capital Expenditures	N/A	$150K-68.5%	$476K-95.6%	$10.8M+387.5%	$2.2M+73.3%	$1.3M
Free Cash Flow	N/A	$170.3M+214.9%	$54.1M-37.3%	$86.3M-51.5%	$178.0M+162.7%	$67.8M
Investing Cash Flow	-$211.2M+65.1%	-$604.9M-0.6%	-$601.6M-19.4%	-$503.8M+49.9%	-$1.0B+17.9%	-$1.2B
Financing Cash Flow	-$546.8M-258.4%	$345.1M-49.6%	$685.2M+121.1%	$309.8M-74.1%	$1.2B+1.7%	$1.2B
Dividends Paid	$91.8M+69.2%	$54.3M+17.9%	$46.0M+15.9%	$39.7M+34.6%	$29.5M+29.9%	$22.7M
Share Buybacks	N/A	$640K+2270.4%	$27K	$0	$0-100.0%	$3K

Metric	Q3'15	Q3'14	Q3'13	Q3'12	Q3'11
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	FY25	FY14	FY13	FY12	FY11	FY10
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	54.0%+15.4pp	38.6%-0.9pp	39.5%-16.9pp	56.4%+27.4pp	28.9%
Net Margin	1858.9%+1808.7pp	50.3%+9.0pp	41.3%-7.1pp	48.3%-4.5pp	52.8%+17.5pp	35.4%
Return on Equity	13.5%+1.8pp	11.7%+1.9pp	9.9%-1.4pp	11.3%+0.3pp	11.0%+4.9pp	6.1%
Return on Assets	1.8%+0.4pp	1.3%+0.2pp	1.1%-0.3pp	1.4%+0.1pp	1.3%+0.5pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.01-0.8	0.84+0.1	0.730.0	0.73+0.7	0.06-1.5	1.54
FCF Margin	N/A	80.0%+53.7pp	26.3%-18.5pp	44.8%-68.2pp	113.1%+56.3pp	56.7%

Metric	Q3'15	Q3'14	Q3'13	Q3'12	Q3'11
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 $12.2M in total revenue for fiscal year 2025. This represents a -94.3% 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 declined by 94.3% year-over-year, from $212.7M to $12.2M in fiscal year 2025.

Is Banco Latinoamericano De profitable?

Yes, Banco Latinoamericano De (BLX) reported a net income of $226.9M in fiscal year 2025, with a net profit margin of 1858.9%.

How much debt does Banco Latinoamericano De have?

As of fiscal year 2025, Banco Latinoamericano De (BLX) had $1.8B in cash and equivalents against $17.0M in long-term debt.

What is Banco Latinoamericano De's net profit margin?

Banco Latinoamericano De (BLX) had a net profit margin of 1858.9% in fiscal year 2025, 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 13.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Banco Latinoamericano De's operating cash flow?

Banco Latinoamericano De (BLX) generated $780.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Banco Latinoamericano De's total assets?

Banco Latinoamericano De (BLX) had $12.8B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Banco Latinoamericano De have outstanding?

Banco Latinoamericano De (BLX) had 6M shares outstanding as of fiscal year 2025.

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

Banco Latinoamericano De (BLX) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, 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 1.8% for fiscal year 2025, 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 5 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 to 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 3.44x, 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.

How financially healthy is Banco Latinoamericano De?

Banco Latinoamericano De (BLX) scores 56 out of 100 on our Financial Profile, indicating moderate 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.