WallStSmart

Foreign Trade Bank of Latin America Inc (BLX)vsLloyds Banking Group PLC ADR (LYG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lloyds Banking Group PLC ADR generates 5897% more annual revenue ($19.69B vs $328.36M). BLX leads profitability with a 71.2% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. LYG earns a higher WallStSmart Score of 70/100 (B).

BLX

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9

LYG

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 3.8
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BLX4 strengths · Avg: 10.0/10
P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
71.2%10/10

Keeps 71 of every $100 in revenue as profit

Operating MarginProfitability
74.4%10/10

Strong operational efficiency at 74.4%

LYG6 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.0%10/10

Strong operational efficiency at 45.0%

Market CapQuality
$90.28B9/10

Large-cap with strong market position

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.768/10

Growing faster than its price suggests

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Areas to Watch

BLX3 concerns · Avg: 3.0/10
PEG RatioValuation
1.774/10

Expensive relative to growth rate

EPS GrowthGrowth
2.5%4/10

2.5% earnings growth

Debt/EquityHealth
2.531/10

Elevated debt levels

LYG1 concerns · Avg: 1.0/10
Debt/EquityHealth
2.181/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BLX

The strongest argument for BLX centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 71.2% and operating margin at 74.4%.

Bull Case : LYG

The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.

Bear Case : BLX

The primary concerns for BLX are PEG Ratio, EPS Growth, Debt/Equity. Debt-to-equity of 2.53 is elevated, increasing financial risk.

Bear Case : LYG

The primary concerns for LYG are Debt/Equity. Debt-to-equity of 2.18 is elevated, increasing financial risk.

Key Dynamics to Monitor

LYG carries more volatility with a beta of 0.91 — expect wider price swings.

LYG is growing revenue faster at 12.3% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LYG scores higher overall (70/100 vs 62/100), backed by strong 26.4% margins and 12.3% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Foreign Trade Bank of Latin America Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Latinoamericano de Comercio Exterior, SA, a multinational bank, is primarily engaged in financing foreign trade in Latin America and the Caribbean. The company is headquartered in Panama City, the Republic of Panama.

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Lloyds Banking Group PLC ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.

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