BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BCSF - US05684B1070 - Common Stock
13.64 USD
-0.26 (-1.87%)
13.64 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BCSF. BCSF was compared to 235 industry peers in the Capital Markets industry. There are concerns on the financial health of BCSF while its profitability can be described as average. BCSF has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year BCSF was profitable.
- In the past year BCSF has reported a negative cash flow from operations.
- In the past 5 years BCSF has always been profitable.
- The reported operating cash flow has been mixed in the past 5 years: BCSF reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.43%, BCSF is in line with its industry, outperforming 60.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 8.25%, BCSF is in line with its industry, outperforming 51.49% of the companies in the same industry.
- BCSF has a Return On Invested Capital (3.88%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for BCSF is below the industry average of 7.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.43% | ||
| ROE | 8.25% | ||
| ROIC | 3.88% |
ROA(3y)4.53%
ROA(5y)3.71%
ROE(3y)10.26%
ROE(5y)8.49%
ROIC(3y)4.13%
ROIC(5y)3.56%
1.3 Margins
- BCSF has a better Profit Margin (33.45%) than 80.00% of its industry peers.
- In the last couple of years the Profit Margin of BCSF has declined.
- Looking at the Operating Margin, with a value of 46.62%, BCSF belongs to the top of the industry, outperforming 83.40% of the companies in the same industry.
- BCSF's Operating Margin has improved in the last couple of years.
- BCSF has a Gross Margin (50.18%) which is in line with its industry peers.
- In the last couple of years the Gross Margin of BCSF has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.62% | ||
| PM (TTM) | 33.45% | ||
| GM | 50.18% |
OM growth 3Y2.21%
OM growth 5Y2.08%
PM growth 3Y-12.39%
PM growth 5Y-3.82%
GM growth 3Y2.62%
GM growth 5Y2.37%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, BCSF has about the same amount of shares outstanding.
- The number of shares outstanding for BCSF has been increased compared to 5 years ago.
- BCSF has a worse debt/assets ratio than last year.
2.2 Solvency
- BCSF has an Altman-Z score of 0.59. This is a bad value and indicates that BCSF is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of BCSF (0.59) is comparable to the rest of the industry.
- A Debt/Equity ratio of 1.33 is on the high side and indicates that BCSF has dependencies on debt financing.
- BCSF has a worse Debt to Equity ratio (1.33) than 65.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.59 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- BCSF has a Current Ratio of 1.31. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
- The Current ratio of BCSF (1.31) is better than 60.85% of its industry peers.
- A Quick Ratio of 1.31 indicates that BCSF should not have too much problems paying its short term obligations.
- BCSF has a Quick ratio of 1.31. This is in the better half of the industry: BCSF outperforms 65.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.31 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
- BCSF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.06%.
- BCSF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.38% yearly.
- Looking at the last year, BCSF shows a decrease in Revenue. The Revenue has decreased by -5.41% in the last year.
- The Revenue has been growing by 8.14% on average over the past years. This is quite good.
EPS 1Y (TTM)-8.06%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-15.09%
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
3.2 Future
- The Earnings Per Share is expected to decrease by -9.67% on average over the next years.
- Based on estimates for the next years, BCSF will show a decrease in Revenue. The Revenue will decrease by -4.63% on average per year.
EPS Next Y-7.76%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
EPS Next 5YN/A
Revenue Next Year-4.58%
Revenue Next 2Y-5.29%
Revenue Next 3Y-4.63%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.03, the valuation of BCSF can be described as very cheap.
- Based on the Price/Earnings ratio, BCSF is valued cheaply inside the industry as 86.38% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.30. BCSF is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 8.09 indicates a reasonable valuation of BCSF.
- Based on the Price/Forward Earnings ratio, BCSF is valued cheaply inside the industry as 84.26% of the companies are valued more expensively.
- BCSF is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 8.09 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BCSF's earnings are expected to decrease with -9.67% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.31
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 12.04%, BCSF is a good candidate for dividend investing.
- BCSF's Dividend Yield is a higher than the industry average which is at 6.19.
- Compared to an average S&P500 Dividend Yield of 1.92, BCSF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.04% |
5.2 History
- The dividend of BCSF has a limited annual growth rate of 2.77%.
- BCSF has been paying a dividend for over 5 years, so it has already some track record.
- BCSF has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.77%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- 156.46% of the earnings are spent on dividend by BCSF. This is not a sustainable payout ratio.
- BCSF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP156.46%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
13.64
-0.26 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners35.64%
Inst Owner Change-0.04%
Ins Owners0.64%
Ins Owner Change0%
Market Cap884.83M
Revenue(TTM)278.35M
Net Income(TTM)93.11M
Analysts80
Price Target15.47 (13.42%)
Short Float %0.96%
Short Ratio1.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.04% |
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP156.46%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.38%
Min EPS beat(2)-1.96%
Max EPS beat(2)4.72%
EPS beat(4)3
Avg EPS beat(4)3.51%
Min EPS beat(4)-1.96%
Max EPS beat(4)7.71%
EPS beat(8)4
Avg EPS beat(8)1.01%
EPS beat(12)6
Avg EPS beat(12)2.94%
EPS beat(16)8
Avg EPS beat(16)5.98%
Revenue beat(2)1
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-5.24%
Max Revenue beat(2)2.49%
Revenue beat(4)1
Avg Revenue beat(4)-5.72%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)2.49%
Revenue beat(8)4
Avg Revenue beat(8)-1.03%
Revenue beat(12)6
Avg Revenue beat(12)0.75%
Revenue beat(16)9
Avg Revenue beat(16)2.04%
PT rev (1m)0%
PT rev (3m)-6.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.02%
EPS NY rev (1m)0%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 8.09 | ||
| P/S | 3.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY14.22%
EPS(NY)1.69
Fwd EY12.36%
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)-0.27
OCFYN/A
SpS4.29
BVpS17.4
TBVpS17.4
PEG (NY)N/A
PEG (5Y)1.31
Graham Number27.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.43% | ||
| ROE | 8.25% | ||
| ROCE | 4.91% | ||
| ROIC | 3.88% | ||
| ROICexc | 3.97% | ||
| ROICexgc | 4% | ||
| OM | 46.62% | ||
| PM (TTM) | 33.45% | ||
| GM | 50.18% | ||
| FCFM | N/A |
ROA(3y)4.53%
ROA(5y)3.71%
ROE(3y)10.26%
ROE(5y)8.49%
ROIC(3y)4.13%
ROIC(5y)3.56%
ROICexc(3y)4.22%
ROICexc(5y)3.66%
ROICexgc(3y)4.24%
ROICexgc(5y)3.67%
ROCE(3y)5.23%
ROCE(5y)4.51%
ROICexgc growth 3Y15.38%
ROICexgc growth 5Y11.17%
ROICexc growth 3Y15.28%
ROICexc growth 5Y11.09%
OM growth 3Y2.21%
OM growth 5Y2.08%
PM growth 3Y-12.39%
PM growth 5Y-3.82%
GM growth 3Y2.62%
GM growth 5Y2.37%
F-Score2
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.33 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.68 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.31 | ||
| Quick Ratio | 1.31 | ||
| Altman-Z | 0.59 |
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.06%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-15.09%
EPS Next Y-7.76%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
Revenue Next Year-4.58%
Revenue Next 2Y-5.29%
Revenue Next 3Y-4.63%
Revenue Next 5YN/A
EBIT growth 1Y-7.43%
EBIT growth 3Y16.55%
EBIT growth 5Y10.39%
EBIT Next Year688.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-113.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-113.17%
OCF growth 3YN/A
OCF growth 5YN/A
BAIN CAPITAL SPECIALTY FINAN / BCSF FAQ
Can you provide the ChartMill fundamental rating for BAIN CAPITAL SPECIALTY FINAN?
ChartMill assigns a fundamental rating of 4 / 10 to BCSF.
What is the valuation status for BCSF stock?
ChartMill assigns a valuation rating of 5 / 10 to BAIN CAPITAL SPECIALTY FINAN (BCSF). This can be considered as Fairly Valued.
How profitable is BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?
BAIN CAPITAL SPECIALTY FINAN (BCSF) has a profitability rating of 5 / 10.
What is the valuation of BAIN CAPITAL SPECIALTY FINAN based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BAIN CAPITAL SPECIALTY FINAN (BCSF) is 7.03 and the Price/Book (PB) ratio is 0.78.
What is the financial health of BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?
The financial health rating of BAIN CAPITAL SPECIALTY FINAN (BCSF) is 2 / 10.