CARLYLE SECURED LENDING INC (CGBD) Stock Fundamental Analysis

NASDAQ:CGBD • US8722801029

11.79 USD
+0.04 (+0.34%)
At close: Feb 18, 2026
11.79 USD
0 (0%)
After Hours: 2/18/2026, 8:19:50 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CGBD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. There are concerns on the financial health of CGBD while its profitability can be described as average. CGBD is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • CGBD had positive earnings in the past year.
  • CGBD had a negative operating cash flow in the past year.
  • In the past 5 years CGBD has always been profitable.
  • In the past 5 years CGBD always reported a positive cash flow from operatings.
CGBD Yearly Net Income VS EBIT VS OCF VS FCFCGBD 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 0 200M -200M

1.2 Ratios

  • CGBD has a Return On Assets (2.82%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 6.06%, CGBD is in line with its industry, outperforming 44.73% of the companies in the same industry.
  • The Return On Invested Capital of CGBD (3.22%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for CGBD is below the industry average of 7.29%.
Industry RankSector Rank
ROA 2.82%
ROE 6.06%
ROIC 3.22%
ROA(3y)4.34%
ROA(5y)4.2%
ROE(3y)9.37%
ROE(5y)9.03%
ROIC(3y)4.38%
ROIC(5y)4.06%
CGBD Yearly ROA, ROE, ROICCGBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 29.49%, CGBD is in the better half of the industry, outperforming 72.57% of the companies in the same industry.
  • CGBD's Profit Margin has improved in the last couple of years.
  • The Operating Margin of CGBD (41.53%) is better than 74.68% of its industry peers.
  • CGBD's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 44.34%, CGBD is in line with its industry, outperforming 48.10% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CGBD has remained more or less at the same level.
Industry RankSector Rank
OM 41.53%
PM (TTM) 29.49%
GM 44.34%
OM growth 3Y-3.76%
OM growth 5Y-1.44%
PM growth 3Y-26.26%
PM growth 5Y5.82%
GM growth 3Y-3.2%
GM growth 5Y-0.67%
CGBD Yearly Profit, Operating, Gross MarginsCGBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • CGBD has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CGBD has been reduced compared to 5 years ago.
  • The debt/assets ratio for CGBD has been reduced compared to a year ago.
CGBD Yearly Shares OutstandingCGBD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
CGBD Yearly Total Debt VS Total AssetsCGBD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • CGBD has an Altman-Z score of 0.52. This is a bad value and indicates that CGBD is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.52, CGBD perfoms like the industry average, outperforming 41.77% of the companies in the same industry.
  • CGBD has a Debt/Equity ratio of 1.10. This is a high value indicating a heavy dependency on external financing.
  • CGBD has a Debt to Equity ratio of 1.10. This is comparable to the rest of the industry: CGBD outperforms 44.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.1
Debt/FCF N/A
Altman-Z 0.52
ROIC/WACCN/A
WACCN/A
CGBD Yearly LT Debt VS Equity VS FCFCGBD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

  • CGBD has a Current Ratio of 1.86. This is a normal value and indicates that CGBD is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 1.86, CGBD is doing good in the industry, outperforming 72.57% of the companies in the same industry.
  • A Quick Ratio of 1.86 indicates that CGBD should not have too much problems paying its short term obligations.
  • CGBD's Quick ratio of 1.86 is fine compared to the rest of the industry. CGBD outperforms 72.57% of its industry peers.
Industry RankSector Rank
Current Ratio 1.86
Quick Ratio 1.86
CGBD Yearly Current Assets VS Current LiabilitesCGBD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • CGBD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.05%.
  • CGBD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.24% yearly.
  • The Revenue has been growing slightly by 2.55% in the past year.
  • CGBD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.00% yearly.
EPS 1Y (TTM)-21.05%
EPS 3Y9.58%
EPS 5Y2.24%
EPS Q2Q%-22.45%
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y1%
Sales Q2Q%13.59%

3.2 Future

  • Based on estimates for the next years, CGBD will show a decrease in Earnings Per Share. The EPS will decrease by -7.64% on average per year.
  • The Revenue is expected to grow by 4.13% on average over the next years.
EPS Next Y-21.72%
EPS Next 2Y-12.24%
EPS Next 3Y-7.64%
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y7.09%
Revenue Next 3Y4.13%
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 accelerating: in the next years the growth will be better than in the last years.
CGBD Yearly Revenue VS EstimatesCGBD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CGBD Yearly EPS VS EstimatesCGBD Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.15, the valuation of CGBD can be described as very cheap.
  • 79.75% of the companies in the same industry are more expensive than CGBD, based on the Price/Earnings ratio.
  • CGBD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
  • Based on the Price/Forward Earnings ratio of 7.65, the valuation of CGBD can be described as very cheap.
  • 87.34% of the companies in the same industry are more expensive than CGBD, based on the Price/Forward Earnings ratio.
  • CGBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
Industry RankSector Rank
PE 7.15
Fwd PE 7.65
CGBD Price Earnings VS Forward Price EarningsCGBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CGBD Per share dataCGBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as CGBD's earnings are expected to decrease with -7.64% in the coming years.
PEG (NY)N/A
PEG (5Y)3.19
EPS Next 2Y-12.24%
EPS Next 3Y-7.64%

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

5

5. Dividend

5.1 Amount

  • CGBD has a Yearly Dividend Yield of 13.26%, which is a nice return.
  • CGBD's Dividend Yield is rather good when compared to the industry average which is at 6.05. CGBD pays more dividend than 86.08% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, CGBD pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.26%

5.2 History

  • The dividend of CGBD has a limited annual growth rate of 1.13%.
  • CGBD has been paying a dividend for over 5 years, so it has already some track record.
  • CGBD has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.13%
Div Incr Years4
Div Non Decr Years4
CGBD Yearly Dividends per shareCGBD Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • CGBD pays out 136.52% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of CGBD has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP136.52%
EPS Next 2Y-12.24%
EPS Next 3Y-7.64%
CGBD Yearly Income VS Free CF VS DividendCGBD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M
CGBD Dividend Payout.CGBD Dividend Payout, showing the Payout Ratio.CGBD Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CARLYLE SECURED LENDING INC

NASDAQ:CGBD (2/18/2026, 8:19:50 PM)

After market: 11.79 0 (0%)

11.79

+0.04 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-04
Earnings (Next)02-24
Inst Owners37.66%
Inst Owner Change7.02%
Ins Owners0.43%
Ins Owner Change0.66%
Market Cap859.49M
Revenue(TTM)245.01M
Net Income(TTM)72.24M
Analysts71.43
Price Target13.62 (15.52%)
Short Float %1.22%
Short Ratio1.72
Dividend
Industry RankSector Rank
Dividend Yield 13.26%
Yearly Dividend1.89
Dividend Growth(5Y)1.13%
DP136.52%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.11%
Min EPS beat(2)-5.68%
Max EPS beat(2)-2.53%
EPS beat(4)1
Avg EPS beat(4)-2.64%
Min EPS beat(4)-7.06%
Max EPS beat(4)4.72%
EPS beat(8)3
Avg EPS beat(8)-0.78%
EPS beat(12)6
Avg EPS beat(12)-0.15%
EPS beat(16)9
Avg EPS beat(16)3.56%
Revenue beat(2)0
Avg Revenue beat(2)-6.75%
Min Revenue beat(2)-10.46%
Max Revenue beat(2)-3.03%
Revenue beat(4)1
Avg Revenue beat(4)-5.25%
Min Revenue beat(4)-10.46%
Max Revenue beat(4)0.28%
Revenue beat(8)3
Avg Revenue beat(8)-3.15%
Revenue beat(12)4
Avg Revenue beat(12)-2.52%
Revenue beat(16)7
Avg Revenue beat(16)0.02%
PT rev (1m)0%
PT rev (3m)-5.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.86%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.88%
Valuation
Industry RankSector Rank
PE 7.15
Fwd PE 7.65
P/S 3.51
P/FCF N/A
P/OCF N/A
P/B 0.72
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)1.65
EY13.99%
EPS(NY)1.54
Fwd EY13.06%
FCF(TTM)-2.23
FCFYN/A
OCF(TTM)-2.23
OCFYN/A
SpS3.36
BVpS16.36
TBVpS16.36
PEG (NY)N/A
PEG (5Y)3.19
Graham Number24.64
Profitability
Industry RankSector Rank
ROA 2.82%
ROE 6.06%
ROCE 4.07%
ROIC 3.22%
ROICexc 3.28%
ROICexgc 3.29%
OM 41.53%
PM (TTM) 29.49%
GM 44.34%
FCFM N/A
ROA(3y)4.34%
ROA(5y)4.2%
ROE(3y)9.37%
ROE(5y)9.03%
ROIC(3y)4.38%
ROIC(5y)4.06%
ROICexc(3y)4.5%
ROICexc(5y)4.2%
ROICexgc(3y)4.5%
ROICexgc(5y)4.2%
ROCE(3y)5.55%
ROCE(5y)5.14%
ROICexgc growth 3Y8.24%
ROICexgc growth 5Y2.47%
ROICexc growth 3Y8.2%
ROICexc growth 5Y2.45%
OM growth 3Y-3.76%
OM growth 5Y-1.44%
PM growth 3Y-26.26%
PM growth 5Y5.82%
GM growth 3Y-3.2%
GM growth 5Y-0.67%
F-Score2
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.26
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.86
Quick Ratio 1.86
Altman-Z 0.52
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)133.13%
Profit Quality(5y)1416.45%
High Growth Momentum
Growth
EPS 1Y (TTM)-21.05%
EPS 3Y9.58%
EPS 5Y2.24%
EPS Q2Q%-22.45%
EPS Next Y-21.72%
EPS Next 2Y-12.24%
EPS Next 3Y-7.64%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y1%
Sales Q2Q%13.59%
Revenue Next Year11.31%
Revenue Next 2Y7.09%
Revenue Next 3Y4.13%
Revenue Next 5YN/A
EBIT growth 1Y-6.64%
EBIT growth 3Y6.6%
EBIT growth 5Y-0.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-204.93%
FCF growth 3Y11.41%
FCF growth 5YN/A
OCF growth 1Y-204.93%
OCF growth 3Y11.41%
OCF growth 5YN/A

CARLYLE SECURED LENDING INC / CGBD FAQ

What is the ChartMill fundamental rating of CARLYLE SECURED LENDING INC (CGBD) stock?

ChartMill assigns a fundamental rating of 4 / 10 to CGBD.


What is the valuation status of CARLYLE SECURED LENDING INC (CGBD) stock?

ChartMill assigns a valuation rating of 5 / 10 to CARLYLE SECURED LENDING INC (CGBD). This can be considered as Fairly Valued.


What is the profitability of CGBD stock?

CARLYLE SECURED LENDING INC (CGBD) has a profitability rating of 5 / 10.


Can you provide the financial health for CGBD stock?

The financial health rating of CARLYLE SECURED LENDING INC (CGBD) is 3 / 10.


Is the dividend of CARLYLE SECURED LENDING INC sustainable?

The dividend rating of CARLYLE SECURED LENDING INC (CGBD) is 5 / 10 and the dividend payout ratio is 136.52%.