BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
USA - NYSE:BCSF - US05684B1070 - Common Stock
14.07 USD
+0.02 (+0.14%)
14.07 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. While BCSF is still in line with the averages on profitability rating, there are concerns on its financial health. BCSF is valued correctly, 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.
In multiple years BCSF reported negative operating cash flow during the last 5 years.
1.2 Ratios
BCSF has a Return On Assets of 3.87%. This is comparable to the rest of the industry: BCSF outperforms 59.15% of its industry peers.
With a Return On Equity value of 9.44%, BCSF perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
BCSF has a Return On Invested Capital (3.90%) which is comparable to the rest of the industry.
BCSF had an Average Return On Invested Capital over the past 3 years of 4.13%. This is below the industry average of 7.59%.
| 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
BCSF has a better Profit Margin (37.89%) than 80.43% of its industry peers.
BCSF's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 47.50%, BCSF belongs to the best of the industry, outperforming 82.55% 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 of 51.17%. This is in the better half of the industry: BCSF outperforms 60.43% of its industry peers.
In the last couple of years the Gross Margin of BCSF has grown nicely.
| 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
The number of shares outstanding for BCSF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BCSF has more shares outstanding
BCSF has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.60, we must say that BCSF is in the distress zone and has some risk of bankruptcy.
BCSF has a worse Altman-Z score (0.60) than 60.85% of its industry peers.
A Debt/Equity ratio of 1.37 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 1.37, BCSF is doing worse than 66.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.6 |
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 68.09% of its industry peers.
A Quick Ratio of 1.63 indicates that BCSF should not have too much problems paying its short term obligations.
BCSF's Quick ratio of 1.63 is fine compared to the rest of the industry. BCSF outperforms 68.09% of its industry peers.
| 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.
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 -3.54% in the last year.
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
BCSF is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.18% yearly.
The Revenue is expected to decrease by -5.03% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
A Price/Earnings ratio of 6.97 indicates a rather cheap valuation of BCSF.
Compared to the rest of the industry, the Price/Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 85.96% of the companies listed in the same industry.
BCSF is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.45 indicates a reasonable valuation of BCSF.
Based on the Price/Forward Earnings ratio, BCSF is valued cheaper than 81.28% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BCSF to the average of the S&P500 Index (22.55), we can say BCSF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 8.45 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BCSF's earnings are expected to decrease with -10.18% in the coming years.
PEG (NY)N/A
PEG (5Y)1.3
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.96%, BCSF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.40, BCSF pays a bit more dividend than its industry peers.
BCSF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.96% |
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%
14.07
+0.02 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners33.3%
Inst Owner Change0.78%
Ins Owners0.63%
Ins Owner Change0%
Market Cap912.72M
Revenue(TTM)283.69M
Net Income(TTM)107.50M
Analysts77.78
Price Target16.49 (17.2%)
Short Float %0.84%
Short Ratio1.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.96% |
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)0%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)0%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 8.45 | ||
| P/S | 3.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.8 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY14.36%
EPS(NY)1.67
Fwd EY11.84%
FCF(TTM)-2.5
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS4.37
BVpS17.56
TBVpS17.56
PEG (NY)N/A
PEG (5Y)1.3
Graham Number28.25
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%
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 | 1.37 | ||
| 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 | 0.6 |
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
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.
Can you provide the valuation status for BAIN CAPITAL SPECIALTY FINAN?
ChartMill assigns a valuation rating of 5 / 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 5 / 10.
Can you provide the financial health for BCSF stock?
The financial health rating of BAIN CAPITAL SPECIALTY FINAN (BCSF) is 2 / 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 -9.22% in the next year.