BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
USA - NYSE:BCSF - US05684B1070 - Common Stock
13.89 USD
+0.02 (+0.14%)
13.89 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BCSF. BCSF was compared to 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 on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year BCSF was profitable.
BCSF had a negative 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.
1.2 Ratios
With a decent Return On Assets value of 3.87%, BCSF is doing good in the industry, outperforming 60.76% of the companies in the same industry.
The Return On Equity of BCSF (9.44%) is comparable to the rest of the industry.
BCSF has a Return On Invested Capital (3.90%) 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 7.11%.
| 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's Profit Margin of 37.89% is amongst the best of the industry. BCSF outperforms 81.86% 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 84.81% of the companies in the same industry.
In the last couple of years the Operating Margin of BCSF has grown nicely.
With a decent Gross Margin value of 51.17%, BCSF is doing good in the industry, outperforming 61.18% of the companies in the same industry.
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
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.
Compared to 1 year ago, BCSF has a worse debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 0.59, BCSF is doing worse than 60.34% 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.
Looking at the Debt to Equity ratio, with a value of 1.37, BCSF is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.59 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.63 indicates that BCSF should not have too much problems paying its short term obligations.
Looking at the Current 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.
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.
The Quick ratio of BCSF (1.63) is better than 67.51% 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 -8.06% 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.
BCSF shows a decrease in Revenue. In the last year, the revenue decreased by -1.72%.
BCSF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.14% yearly.
EPS 1Y (TTM)-8.06%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-15.09%
Revenue 1Y (TTM)-1.72%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
3.2 Future
Based on estimates for the next years, BCSF will show a very negative growth in Earnings Per Share. The EPS will decrease by -10.38% on average per year.
Based on estimates for the next years, BCSF will show a decrease in Revenue. The Revenue will decrease by -5.03% on average per year.
EPS Next Y-9.22%
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.16, the valuation of BCSF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 86.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, BCSF is valued rather cheaply.
A Price/Forward Earnings ratio of 8.35 indicates a reasonable 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 81.86% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. BCSF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.16 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BCSF has a very decent profitability rating, which may justify a higher PE ratio.
BCSF's earnings are expected to decrease with -10.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.33
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.11%, BCSF is a good candidate for dividend investing.
BCSF's Dividend Yield is a higher than the industry average which is at 8.53.
BCSF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.11% |
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
BCSF pays out 135.38% of its income as dividend. 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-10.81%
EPS Next 3Y-10.38%
13.89
+0.02 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners33.3%
Inst Owner Change3.68%
Ins Owners0.63%
Ins Owner Change0%
Market Cap901.04M
Revenue(TTM)292.65M
Net Income(TTM)107.50M
Analysts77.78
Price Target16.49 (18.72%)
Short Float %0.84%
Short Ratio1.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.11% |
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)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.16 | ||
| Fwd PE | 8.35 | ||
| P/S | 3.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY13.97%
EPS(NY)1.66
Fwd EY11.97%
FCF(TTM)-2.5
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS4.37
BVpS17.56
TBVpS17.56
PEG (NY)N/A
PEG (5Y)1.33
Graham Number27.68
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 | 0.59 |
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-9.22%
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.72%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
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.