BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
USA - NYSE:BCSF - US05684B1070 - Common Stock
14.83 USD
-0.03 (-0.2%)
14.83 USD
0 (0%)
Overall BCSF gets a fundamental rating of 4 out of 10. We evaluated BCSF against 237 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 it does not seem to be growing.
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.
Each year in the past 5 years BCSF has 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
The Return On Assets of BCSF (3.87%) is comparable to the rest of the industry.
BCSF's Return On Equity of 9.44% is in line compared to the rest of the industry. BCSF outperforms 54.01% of its industry peers.
BCSF has a Return On Invested Capital (3.90%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for BCSF is below the industry average of 7.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 9.44% | ||
| ROIC | 3.9% |
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
Looking at the Profit Margin, with a value of 37.89%, BCSF belongs to the top of the industry, outperforming 80.17% of the companies in the same industry.
In the last couple of years the Profit Margin of BCSF has declined.
Looking at the Operating Margin, with a value of 47.50%, BCSF belongs to the top of the industry, outperforming 81.86% of the companies in the same industry.
In the last couple of years the Operating Margin of BCSF has grown nicely.
BCSF has a Gross Margin (51.17%) which is comparable to the rest of the industry.
BCSF's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.5% | ||
| PM (TTM) | 37.89% | ||
| GM | 51.17% |
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
BCSF has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for BCSF has been increased compared to 5 years ago.
The debt/assets ratio for BCSF is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.62, we must say that BCSF is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.62, BCSF perfoms like the industry average, outperforming 40.93% of the companies in the same industry.
A Debt/Equity ratio of 1.37 is on the high side and indicates that BCSF has dependencies on debt financing.
BCSF has a worse Debt to Equity ratio (1.37) than 65.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.62 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
BCSF has a Current Ratio of 1.63. 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 of 1.63. This is in the better half of the industry: BCSF outperforms 67.51% of its industry peers.
BCSF has a Quick Ratio of 1.63. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.63, BCSF is in the better half of the industry, outperforming 67.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
The earnings per share for BCSF have decreased by -5.16% in the last year.
The Earnings Per Share has been growing slightly by 5.38% on average over the past years.
BCSF shows a decrease in Revenue. In the last year, the revenue decreased by -3.54%.
Measured over the past years, BCSF shows a quite strong growth in Revenue. The Revenue has been growing by 8.14% on average per year.
EPS 1Y (TTM)-5.16%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-7.84%
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-1.81%
3.2 Future
The Earnings Per Share is expected to decrease by -10.18% on average over the next years. This is quite bad
BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.03% yearly.
EPS Next Y-9.22%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
EPS Next 5YN/A
Revenue Next Year-4.16%
Revenue Next 2Y-5.91%
Revenue Next 3Y-5.03%
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
Based on the Price/Earnings ratio of 7.34, the valuation of BCSF can be described as very cheap.
Based on the Price/Earnings ratio, BCSF is valued cheaper than 89.03% of the companies in the same industry.
When comparing the Price/Earnings ratio of BCSF to the average of the S&P500 Index (27.38), we can say BCSF is valued rather cheaply.
The Price/Forward Earnings ratio is 8.90, which indicates a very decent valuation of BCSF.
81.86% of the companies in the same industry are more expensive than BCSF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BCSF to the average of the S&P500 Index (22.86), we can say BCSF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.34 | ||
| Fwd PE | 8.9 |
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 -10.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.37
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.77%, BCSF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 7.96, BCSF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, BCSF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.77% |
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
135.38% 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.
DP135.38%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
14.83
-0.03 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners34.39%
Inst Owner Change-3.04%
Ins Owners0.63%
Ins Owner Change0.55%
Market Cap962.02M
Analysts77.78
Price Target16.49 (11.19%)
Short Float %0.42%
Short Ratio0.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.77% |
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP135.38%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.14%
Min EPS beat(2)3.56%
Max EPS beat(2)4.72%
EPS beat(4)4
Avg EPS beat(4)4.81%
Min EPS beat(4)3.23%
Max EPS beat(4)7.71%
EPS beat(8)4
Avg EPS beat(8)1.22%
EPS beat(12)7
Avg EPS beat(12)7.05%
EPS beat(16)8
Avg EPS beat(16)5.98%
Revenue beat(2)1
Avg Revenue beat(2)-2.61%
Min Revenue beat(2)-7.71%
Max Revenue beat(2)2.49%
Revenue beat(4)2
Avg Revenue beat(4)-4.23%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)2.49%
Revenue beat(8)4
Avg Revenue beat(8)-0.72%
Revenue beat(12)7
Avg Revenue beat(12)2.44%
Revenue beat(16)10
Avg Revenue beat(16)2.71%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)2.27%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)3.33%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)1.49%
Revenue NQ rev (3m)4.23%
Revenue NY rev (1m)2.54%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.34 | ||
| Fwd PE | 8.9 | ||
| P/S | 3.39 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.84 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY13.62%
EPS(NY)1.67
Fwd EY11.23%
FCF(TTM)-2.5
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS4.37
BVpS17.56
TBVpS17.56
PEG (NY)N/A
PEG (5Y)1.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 9.44% | ||
| ROCE | 4.94% | ||
| ROIC | 3.9% | ||
| ROICexc | 3.96% | ||
| ROICexgc | 3.98% | ||
| OM | 47.5% | ||
| PM (TTM) | 37.89% | ||
| GM | 51.17% | ||
| 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%
ROICexcg growth 3Y15.38%
ROICexcg 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 | 1.37 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.84 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z | 0.62 |
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)-5.16%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-7.84%
EPS Next Y-9.22%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-1.81%
Revenue Next Year-4.16%
Revenue Next 2Y-5.91%
Revenue Next 3Y-5.03%
Revenue Next 5YN/A
EBIT growth 1Y-4.73%
EBIT growth 3Y16.55%
EBIT growth 5Y10.39%
EBIT Next Year688.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.99%
OCF growth 3YN/A
OCF growth 5YN/A