CARLYLE SECURED LENDING INC (CGBD) Fundamental Analysis & Valuation

NASDAQ:CGBD • US8722801029

Current stock price

10.93 USD
+0.1 (+0.92%)
At close:
10.78 USD
-0.15 (-1.37%)
After Hours:

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

4

1. CGBD Profitability Analysis

1.1 Basic Checks

  • CGBD had positive earnings in the past year.
  • CGBD had a negative operating cash flow in the past year.
  • Each year in the past 5 years CGBD has been profitable.
  • Of the past 5 years CGBD 4 years had a positive operating cash flow.
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 2025 0 200M -200M

1.2 Ratios

  • With a Return On Assets value of 2.48%, CGBD perfoms like the industry average, outperforming 50.21% of the companies in the same industry.
  • CGBD has a Return On Equity (5.92%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 2.95%, CGBD is in line with its industry, outperforming 43.10% of the companies in the same industry.
  • CGBD had an Average Return On Invested Capital over the past 3 years of 3.99%. This is below the industry average of 7.23%.
Industry RankSector Rank
ROA 2.48%
ROE 5.92%
ROIC 2.95%
ROA(3y)3.83%
ROA(5y)4.65%
ROE(3y)8.36%
ROE(5y)10.12%
ROIC(3y)3.99%
ROIC(5y)3.91%
CGBD Yearly ROA, ROE, ROICCGBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CGBD has a better Profit Margin (27.06%) than 70.71% of its industry peers.
  • In the last couple of years the Profit Margin of CGBD has grown nicely.
  • Looking at the Operating Margin, with a value of 39.42%, CGBD is in the better half of the industry, outperforming 70.29% of the companies in the same industry.
  • CGBD's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 42.26%, CGBD perfoms like the industry average, outperforming 43.93% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CGBD has declined.
Industry RankSector Rank
OM 39.42%
PM (TTM) 27.06%
GM 42.26%
OM growth 3Y-7.72%
OM growth 5Y-4.17%
PM growth 3Y-11.93%
PM growth 5Y60.68%
GM growth 3Y-7.31%
GM growth 5Y-3.57%
CGBD Yearly Profit, Operating, Gross MarginsCGBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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3

2. CGBD Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for CGBD has been increased compared to 1 year ago.
  • The number of shares outstanding for CGBD has been increased compared to 5 years ago.
  • The debt/assets ratio for CGBD is higher compared to a year ago.
CGBD Yearly Shares OutstandingCGBD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of 0.48, we must say that CGBD is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CGBD (0.48) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.31 is on the high side and indicates that CGBD has dependencies on debt financing.
  • CGBD's Debt to Equity ratio of 1.31 is on the low side compared to the rest of the industry. CGBD is outperformed by 65.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z 0.48
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 2025 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 3.27 indicates that CGBD has no problem at all paying its short term obligations.
  • CGBD has a better Current ratio (3.27) than 82.01% of its industry peers.
  • A Quick Ratio of 3.27 indicates that CGBD has no problem at all paying its short term obligations.
  • The Quick ratio of CGBD (3.27) is better than 82.01% of its industry peers.
Industry RankSector Rank
Current Ratio 3.27
Quick Ratio 3.27
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 2025 100M 200M 300M

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

2

3. CGBD Growth Analysis

3.1 Past

  • CGBD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -23.00%.
  • The Earnings Per Share has been growing slightly by 0.53% on average over the past years.
  • CGBD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.88%.
  • The Revenue has been growing slightly by 7.01% on average over the past years.
EPS 1Y (TTM)-23%
EPS 3Y-7.25%
EPS 5Y0.53%
EPS Q2Q%-23.4%
Revenue 1Y (TTM)9.88%
Revenue growth 3Y7.23%
Revenue growth 5Y7.01%
Sales Q2Q%18.74%

3.2 Future

  • Based on estimates for the next years, CGBD will show a very negative growth in Earnings Per Share. The EPS will decrease by -14.91% on average per year.
  • The Revenue is expected to decrease by -0.29% on average over the next years.
EPS Next Y-0.98%
EPS Next 2Y-0.45%
EPS Next 3Y-14.91%
EPS Next 5YN/A
Revenue Next Year0.94%
Revenue Next 2Y1.37%
Revenue Next 3Y-0.29%
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.
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 2028 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 2028 0.5 1 1.5 2

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5

4. CGBD Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.10, the valuation of CGBD can be described as very cheap.
  • CGBD's Price/Earnings ratio is rather cheap when compared to the industry. CGBD is cheaper than 81.59% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CGBD to the average of the S&P500 Index (26.78), we can say CGBD is valued rather cheaply.
  • CGBD is valuated cheaply with a Price/Forward Earnings ratio of 7.17.
  • Based on the Price/Forward Earnings ratio, CGBD is valued cheaper than 85.77% of the companies in the same industry.
  • CGBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 7.1
Fwd PE 7.17
CGBD Price Earnings VS Forward Price EarningsCGBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 -14.91% in the coming years.
PEG (NY)N/A
PEG (5Y)13.45
EPS Next 2Y-0.45%
EPS Next 3Y-14.91%

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

5

5. CGBD Dividend Analysis

5.1 Amount

  • CGBD has a Yearly Dividend Yield of 14.59%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.89, CGBD pays a better dividend. On top of this CGBD pays more dividend than 85.36% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, CGBD pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.59%

5.2 History

  • The dividend of CGBD decreases each year by -0.15%.
  • CGBD has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-0.15%
Div Incr Years0
Div Non Decr Years0
CGBD Yearly Dividends per shareCGBD Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 150.46% of the earnings are spent on dividend by CGBD. This is not a sustainable payout ratio.
  • CGBD's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP150.46%
EPS Next 2Y-0.45%
EPS Next 3Y-14.91%
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 2025 0 200M -200M
CGBD Dividend Payout.CGBD Dividend Payout, showing the Payout Ratio.CGBD Dividend Payout.PayoutRetained Earnings

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CGBD Fundamentals: All Metrics, Ratios and Statistics

CARLYLE SECURED LENDING INC

NASDAQ:CGBD (4/10/2026, 8:11:39 PM)

After market: 10.78 -0.15 (-1.37%)

10.93

+0.1 (+0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners39.82%
Inst Owner Change0%
Ins Owners0.39%
Ins Owner Change3.86%
Market Cap772.53M
Revenue(TTM)255.57M
Net Income(TTM)69.15M
Analysts72.86
Price Target13.52 (23.7%)
Short Float %4.09%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield 14.59%
Yearly Dividend1.7
Dividend Growth(5Y)-0.15%
DP150.46%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.78%
Min EPS beat(2)-5.88%
Max EPS beat(2)-5.68%
EPS beat(4)0
Avg EPS beat(4)-5.29%
Min EPS beat(4)-7.06%
Max EPS beat(4)-2.53%
EPS beat(8)2
Avg EPS beat(8)-2.32%
EPS beat(12)5
Avg EPS beat(12)-0.82%
EPS beat(16)9
Avg EPS beat(16)3.34%
Revenue beat(2)0
Avg Revenue beat(2)-4.92%
Min Revenue beat(2)-6.33%
Max Revenue beat(2)-3.52%
Revenue beat(4)0
Avg Revenue beat(4)-5.17%
Min Revenue beat(4)-7.79%
Max Revenue beat(4)-3.03%
Revenue beat(8)2
Avg Revenue beat(8)-3.42%
Revenue beat(12)3
Avg Revenue beat(12)-2.52%
Revenue beat(16)7
Avg Revenue beat(16)0.2%
PT rev (1m)-0.8%
PT rev (3m)-0.8%
EPS NQ rev (1m)-4.72%
EPS NQ rev (3m)-5.4%
EPS NY rev (1m)-0.99%
EPS NY rev (3m)-1.9%
Revenue NQ rev (1m)-2.83%
Revenue NQ rev (3m)-4.53%
Revenue NY rev (1m)-2.04%
Revenue NY rev (3m)-3.69%
Valuation
Industry RankSector Rank
PE 7.1
Fwd PE 7.17
P/S 3.02
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)1.54
EY14.09%
EPS(NY)1.52
Fwd EY13.95%
FCF(TTM)-2.89
FCFYN/A
OCF(TTM)-2.89
OCFYN/A
SpS3.62
BVpS16.52
TBVpS16.52
PEG (NY)N/A
PEG (5Y)13.45
Graham Number23.92
Profitability
Industry RankSector Rank
ROA 2.48%
ROE 5.92%
ROCE 3.73%
ROIC 2.95%
ROICexc 3%
ROICexgc 3%
OM 39.42%
PM (TTM) 27.06%
GM 42.26%
FCFM N/A
ROA(3y)3.83%
ROA(5y)4.65%
ROE(3y)8.36%
ROE(5y)10.12%
ROIC(3y)3.99%
ROIC(5y)3.91%
ROICexc(3y)4.11%
ROICexc(5y)4.02%
ROICexgc(3y)4.11%
ROICexgc(5y)4.02%
ROCE(3y)5.05%
ROCE(5y)4.95%
ROICexgc growth 3Y-10.51%
ROICexgc growth 5Y-4.93%
ROICexc growth 3Y-10.51%
ROICexc growth 5Y-4.94%
OM growth 3Y-7.72%
OM growth 5Y-4.17%
PM growth 3Y-11.93%
PM growth 5Y60.68%
GM growth 3Y-7.31%
GM growth 5Y-3.57%
F-Score3
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.3
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.27
Quick Ratio 3.27
Altman-Z 0.48
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)-23%
EPS 3Y-7.25%
EPS 5Y0.53%
EPS Q2Q%-23.4%
EPS Next Y-0.98%
EPS Next 2Y-0.45%
EPS Next 3Y-14.91%
EPS Next 5YN/A
Revenue 1Y (TTM)9.88%
Revenue growth 3Y7.23%
Revenue growth 5Y7.01%
Sales Q2Q%18.74%
Revenue Next Year0.94%
Revenue Next 2Y1.37%
Revenue Next 3Y-0.29%
Revenue Next 5YN/A
EBIT growth 1Y-3.99%
EBIT growth 3Y-1.05%
EBIT growth 5Y2.56%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-296.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-296.19%
OCF growth 3YN/A
OCF growth 5YN/A

CARLYLE SECURED LENDING INC / CGBD Fundamental Analysis 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.


How profitable is CARLYLE SECURED LENDING INC (CGBD) stock?

CARLYLE SECURED LENDING INC (CGBD) has a profitability rating of 4 / 10.


How financially healthy is CARLYLE SECURED LENDING INC?

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


What is the earnings growth outlook for CARLYLE SECURED LENDING INC?

The Earnings per Share (EPS) of CARLYLE SECURED LENDING INC (CGBD) is expected to decline by -0.98% in the next year.