BAIN CAPITAL SPECIALTY FINAN (BCSF) Fundamental Analysis & Valuation

NYSE:BCSF • US05684B1070

Current stock price

12.5 USD
-0.11 (-0.87%)
At close:
12.5 USD
0 (0%)
After Hours:

This BCSF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. BCSF Profitability Analysis

1.1 Basic Checks

  • BCSF had positive earnings in the past year.
  • BCSF had a positive operating cash flow in the past year.
  • BCSF had positive earnings in each of the past 5 years.
  • In multiple years BCSF reported negative operating cash flow during the last 5 years.
BCSF Yearly Net Income VS EBIT VS OCF VS FCFBCSF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M -600M

1.2 Ratios

  • BCSF has a Return On Assets of 3.71%. This is in the better half of the industry: BCSF outperforms 61.09% of its industry peers.
  • The Return On Equity of BCSF (8.84%) is comparable to the rest of the industry.
  • BCSF has a Return On Invested Capital (3.79%) which is comparable to the rest of the industry.
  • BCSF had an Average Return On Invested Capital over the past 3 years of 4.31%. This is below the industry average of 7.23%.
Industry RankSector Rank
ROA 3.71%
ROE 8.84%
ROIC 3.79%
ROA(3y)4.41%
ROA(5y)4.39%
ROE(3y)10.06%
ROE(5y)10.1%
ROIC(3y)4.31%
ROIC(5y)3.79%
BCSF Yearly ROA, ROE, ROICBCSF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8 10

1.3 Margins

  • BCSF has a Profit Margin of 36.14%. This is amongst the best in the industry. BCSF outperforms 82.43% of its industry peers.
  • In the last couple of years the Profit Margin of BCSF has grown nicely.
  • BCSF has a better Operating Margin (45.88%) than 84.10% of its industry peers.
  • In the last couple of years the Operating Margin of BCSF has remained more or less at the same level.
  • Looking at the Gross Margin, with a value of 49.22%, BCSF is in line with its industry, outperforming 56.90% of the companies in the same industry.
  • BCSF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 45.88%
PM (TTM) 36.14%
GM 49.22%
OM growth 3Y-0.91%
OM growth 5Y0.72%
PM growth 3Y-9.06%
PM growth 5Y53.31%
GM growth 3Y-0.6%
GM growth 5Y0.76%
BCSF Yearly Profit, Operating, Gross MarginsBCSF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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2

2. BCSF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, BCSF has more shares outstanding
  • Compared to 5 years ago, BCSF has more shares outstanding
  • The debt/assets ratio for BCSF is higher compared to a year ago.
BCSF Yearly Shares OutstandingBCSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
BCSF Yearly Total Debt VS Total AssetsBCSF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of 0.56, we must say that BCSF is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.56, BCSF is in line with its industry, outperforming 41.84% of the companies in the same industry.
  • BCSF has a debt to FCF ratio of 49.82. This is a negative value and a sign of low solvency as BCSF would need 49.82 years to pay back of all of its debts.
  • BCSF has a Debt to FCF ratio of 49.82. This is comparable to the rest of the industry: BCSF outperforms 49.79% of its industry peers.
  • A Debt/Equity ratio of 1.32 is on the high side and indicates that BCSF has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.32, BCSF is doing worse than 65.69% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 49.82
Altman-Z 0.56
ROIC/WACCN/A
WACCN/A
BCSF Yearly LT Debt VS Equity VS FCFBCSF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B 1.5B

2.3 Liquidity

  • BCSF has a Current Ratio of 1.16. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
  • BCSF has a Current ratio (1.16) which is comparable to the rest of the industry.
  • BCSF has a Quick Ratio of 1.16. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
  • BCSF has a Quick ratio of 1.16. This is comparable to the rest of the industry: BCSF outperforms 54.81% of its industry peers.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
BCSF Yearly Current Assets VS Current LiabilitesBCSF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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1

3. BCSF Growth Analysis

3.1 Past

  • The earnings per share for BCSF have decreased strongly by -10.05% in the last year.
  • The Earnings Per Share has been growing slightly by 5.16% on average over the past years.
  • Looking at the last year, BCSF shows a decrease in Revenue. The Revenue has decreased by -6.63% in the last year.
  • Measured over the past years, BCSF shows a small growth in Revenue. The Revenue has been growing by 7.03% on average per year.
EPS 1Y (TTM)-10.05%
EPS 3Y4.45%
EPS 5Y5.16%
EPS Q2Q%-11.54%
Revenue 1Y (TTM)-6.63%
Revenue growth 3Y7.57%
Revenue growth 5Y7.03%
Sales Q2Q%10.32%

3.2 Future

  • BCSF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.34% yearly.
  • BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.86% yearly.
EPS Next Y-10.12%
EPS Next 2Y-9.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.87%
Revenue Next 2Y-5.63%
Revenue Next 3Y-5.86%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BCSF Yearly Revenue VS EstimatesBCSF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M
BCSF Yearly EPS VS EstimatesBCSF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. BCSF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.65, the valuation of BCSF can be described as very cheap.
  • Based on the Price/Earnings ratio, BCSF is valued cheaper than 82.85% of the companies in the same industry.
  • BCSF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
  • A Price/Forward Earnings ratio of 7.40 indicates a rather cheap valuation of BCSF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 83.68% of the companies listed in the same industry.
  • BCSF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.65
Fwd PE 7.4
BCSF Price Earnings VS Forward Price EarningsBCSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • BCSF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 27.46
EV/EBITDA N/A
BCSF Per share dataBCSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of BCSF may justify a higher PE ratio.
  • BCSF's earnings are expected to decrease with -9.34% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.29
EPS Next 2Y-9.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BCSF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.95%, BCSF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.89, BCSF pays a better dividend. On top of this BCSF pays more dividend than 82.01% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BCSF pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.95%

5.2 History

  • On average, the dividend of BCSF grows each year by 8.90%, which is quite nice.
  • 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)8.9%
Div Incr Years4
Div Non Decr Years4
BCSF Yearly Dividends per shareBCSF Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 147.65% of the earnings are spent on dividend by BCSF. This is not a sustainable payout ratio.
  • The Dividend Rate of BCSF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP147.65%
EPS Next 2Y-9.34%
EPS Next 3YN/A
BCSF Yearly Income VS Free CF VS DividendBCSF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M -600M
BCSF Dividend Payout.BCSF Dividend Payout, showing the Payout Ratio.BCSF Dividend Payout.PayoutRetained Earnings

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BCSF Fundamentals: All Metrics, Ratios and Statistics

BAIN CAPITAL SPECIALTY FINAN

NYSE:BCSF (4/9/2026, 8:13:22 PM)

After market: 12.5 0 (0%)

12.5

-0.11 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners37.17%
Inst Owner Change0%
Ins Owners0.64%
Ins Owner Change0.8%
Market Cap810.88M
Revenue(TTM)273.24M
Net Income(TTM)98.76M
Analysts77.78
Price Target13.94 (11.52%)
Short Float %1.85%
Short Ratio1.65
Dividend
Industry RankSector Rank
Dividend Yield 13.95%
Yearly Dividend2.25
Dividend Growth(5Y)8.9%
DP147.65%
Div Incr Years4
Div Non Decr Years4
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3%
Min EPS beat(2)-4.05%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)0.57%
Min EPS beat(4)-4.05%
Max EPS beat(4)4.72%
EPS beat(8)4
Avg EPS beat(8)0.56%
EPS beat(12)6
Avg EPS beat(12)3.54%
EPS beat(16)8
Avg EPS beat(16)5.81%
Revenue beat(2)0
Avg Revenue beat(2)-3.78%
Min Revenue beat(2)-5.24%
Max Revenue beat(2)-2.31%
Revenue beat(4)1
Avg Revenue beat(4)-3.19%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)2.49%
Revenue beat(8)3
Avg Revenue beat(8)-2.95%
Revenue beat(12)6
Avg Revenue beat(12)0.72%
Revenue beat(16)8
Avg Revenue beat(16)1.66%
PT rev (1m)-7.86%
PT rev (3m)-9.89%
EPS NQ rev (1m)-1.55%
EPS NQ rev (3m)-2.31%
EPS NY rev (1m)0%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)-0.74%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 6.65
Fwd PE 7.4
P/S 2.97
P/FCF 27.46
P/OCF 27.46
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.88
EY15.04%
EPS(NY)1.69
Fwd EY13.52%
FCF(TTM)0.46
FCFY3.64%
OCF(TTM)0.46
OCFY3.64%
SpS4.21
BVpS17.23
TBVpS17.23
PEG (NY)N/A
PEG (5Y)1.29
Graham Number26.99
Profitability
Industry RankSector Rank
ROA 3.71%
ROE 8.84%
ROCE 4.8%
ROIC 3.79%
ROICexc 3.83%
ROICexgc 3.86%
OM 45.88%
PM (TTM) 36.14%
GM 49.22%
FCFM 10.81%
ROA(3y)4.41%
ROA(5y)4.39%
ROE(3y)10.06%
ROE(5y)10.1%
ROIC(3y)4.31%
ROIC(5y)3.79%
ROICexc(3y)4.38%
ROICexc(5y)3.88%
ROICexgc(3y)4.4%
ROICexgc(5y)3.9%
ROCE(3y)5.45%
ROCE(5y)4.8%
ROICexgc growth 3Y4.72%
ROICexgc growth 5Y7.16%
ROICexc growth 3Y4.6%
ROICexc growth 5Y7.04%
OM growth 3Y-0.91%
OM growth 5Y0.72%
PM growth 3Y-9.06%
PM growth 5Y53.31%
GM growth 3Y-0.6%
GM growth 5Y0.76%
F-Score3
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 49.82
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.63
Cash Conversion N/A
Profit Quality 29.9%
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z 0.56
F-Score3
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)-10.05%
EPS 3Y4.45%
EPS 5Y5.16%
EPS Q2Q%-11.54%
EPS Next Y-10.12%
EPS Next 2Y-9.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.63%
Revenue growth 3Y7.57%
Revenue growth 5Y7.03%
Sales Q2Q%10.32%
Revenue Next Year-6.87%
Revenue Next 2Y-5.63%
Revenue Next 3Y-5.86%
Revenue Next 5YN/A
EBIT growth 1Y-9.92%
EBIT growth 3Y6.59%
EBIT growth 5Y7.8%
EBIT Next Year2063.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y208.95%
FCF growth 3YN/A
FCF growth 5Y-19.88%
OCF growth 1Y208.95%
OCF growth 3YN/A
OCF growth 5Y-19.88%

BAIN CAPITAL SPECIALTY FINAN / BCSF Fundamental Analysis 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 6 / 10 to BAIN CAPITAL SPECIALTY FINAN (BCSF). This can be considered as Fairly Valued.


Can you provide the profitability details for BAIN CAPITAL SPECIALTY FINAN?

BAIN CAPITAL SPECIALTY FINAN (BCSF) has a profitability rating of 6 / 10.


What is the expected EPS growth for BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?

The Earnings per Share (EPS) of BAIN CAPITAL SPECIALTY FINAN (BCSF) is expected to decline by -10.12% in the next year.


Is the dividend of BAIN CAPITAL SPECIALTY FINAN sustainable?

The dividend rating of BAIN CAPITAL SPECIALTY FINAN (BCSF) is 6 / 10 and the dividend payout ratio is 147.65%.