CARLYLE SECURED LENDING INC (CGBD) Stock Fundamental Analysis
USA - NASDAQ:CGBD - US8722801029 - Common Stock
12.57 USD
+0.07 (+0.56%)
12.57 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CGBD. CGBD was compared to 236 industry peers in the Capital Markets industry. CGBD has an average financial health and profitability rating. CGBD is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CGBD was profitable.
CGBD had a negative operating cash flow in the past year.
CGBD had positive earnings in each of the past 5 years.
CGBD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.61%, CGBD is in line with its industry, outperforming 48.73% of the companies in the same industry.
CGBD has a worse Return On Equity (5.60%) than 61.44% of its industry peers.
CGBD has a Return On Invested Capital (3.14%) which is comparable to the rest of the industry.
CGBD had an Average Return On Invested Capital over the past 3 years of 4.38%. This is below the industry average of 7.57%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.61% | ||
| ROE | 5.6% | ||
| ROIC | 3.14% |
ROA(3y)4.34%
ROA(5y)4.2%
ROE(3y)9.37%
ROE(5y)9.03%
ROIC(3y)4.38%
ROIC(5y)4.06%
1.3 Margins
With a decent Profit Margin value of 28.61%, CGBD is doing good in the industry, outperforming 73.31% of the companies in the same industry.
In the last couple of years the Profit Margin of CGBD has grown nicely.
CGBD has a better Operating Margin (42.57%) than 74.15% of its industry peers.
CGBD's Operating Margin has been stable in the last couple of years.
CGBD has a Gross Margin of 45.47%. This is comparable to the rest of the industry: CGBD outperforms 49.15% of its industry peers.
CGBD's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 42.57% | ||
| PM (TTM) | 28.61% | ||
| GM | 45.47% |
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%
2. Health
2.1 Basic Checks
CGBD has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CGBD has less shares outstanding
Compared to 1 year ago, CGBD has an improved debt to assets ratio.
2.2 Solvency
CGBD has an Altman-Z score of 0.60. This is a bad value and indicates that CGBD is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of CGBD (0.60) is worse than 61.44% of its industry peers.
A Debt/Equity ratio of 1.09 is on the high side and indicates that CGBD has dependencies on debt financing.
The Debt to Equity ratio of CGBD (1.09) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.6 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
CGBD has a Current Ratio of 3.55. This indicates that CGBD is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 3.55, CGBD belongs to the top of the industry, outperforming 82.63% of the companies in the same industry.
A Quick Ratio of 3.55 indicates that CGBD has no problem at all paying its short term obligations.
The Quick ratio of CGBD (3.55) is better than 82.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.55 | ||
| Quick Ratio | 3.55 |
3. Growth
3.1 Past
The earnings per share for CGBD have decreased strongly by -16.98% in the last year.
Measured over the past 5 years, CGBD shows a small growth in Earnings Per Share. The EPS has been growing by 2.24% on average per year.
CGBD shows a decrease in Revenue. In the last year, the revenue decreased by -3.69%.
CGBD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.00% yearly.
EPS 1Y (TTM)-16.98%
EPS 3Y9.58%
EPS 5Y2.24%
EPS Q2Q%-23.53%
Revenue 1Y (TTM)-3.69%
Revenue growth 3Y10.75%
Revenue growth 5Y1%
Sales Q2Q%15.48%
3.2 Future
CGBD is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.94% yearly.
Based on estimates for the next years, CGBD will show a small growth in Revenue. The Revenue will grow by 5.44% on average per year.
EPS Next Y-19%
EPS Next 2Y-10.47%
EPS Next 3Y-6.94%
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y9.66%
Revenue Next 3Y5.44%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.14 indicates a rather cheap valuation of CGBD.
Based on the Price/Earnings ratio, CGBD is valued cheaper than 85.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.91. CGBD is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.84 indicates a rather cheap valuation of CGBD.
CGBD's Price/Forward Earnings ratio is rather cheap when compared to the industry. CGBD is cheaper than 83.90% 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 22.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.14 | ||
| Fwd PE | 7.84 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CGBD's earnings are expected to decrease with -6.94% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)3.18
EPS Next 2Y-10.47%
EPS Next 3Y-6.94%
5. Dividend
5.1 Amount
CGBD has a Yearly Dividend Yield of 13.11%, which is a nice return.
Compared to an average industry Dividend Yield of 8.53, CGBD pays a better dividend. On top of this CGBD pays more dividend than 80.08% of the companies listed in the same industry.
CGBD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.11% |
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
5.3 Sustainability
139.71% of the earnings are spent on dividend by CGBD. This is not a sustainable payout ratio.
CGBD's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP139.71%
EPS Next 2Y-10.47%
EPS Next 3Y-6.94%
12.57
+0.07 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners36%
Inst Owner Change-1.66%
Ins Owners0.42%
Ins Owner Change-1.01%
Market Cap916.35M
Revenue(TTM)234.46M
Net Income(TTM)67.08M
Analysts50
Price Target14.74 (17.26%)
Short Float %0.71%
Short Ratio1.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.11% |
Yearly Dividend1.89
Dividend Growth(5Y)1.13%
DP139.71%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.8%
Min EPS beat(2)-7.06%
Max EPS beat(2)-2.53%
EPS beat(4)1
Avg EPS beat(4)-1.34%
Min EPS beat(4)-7.06%
Max EPS beat(4)4.72%
EPS beat(8)4
Avg EPS beat(8)-0.01%
EPS beat(12)7
Avg EPS beat(12)3.46%
EPS beat(16)10
Avg EPS beat(16)4.11%
Revenue beat(2)0
Avg Revenue beat(2)-5.41%
Min Revenue beat(2)-7.79%
Max Revenue beat(2)-3.03%
Revenue beat(4)1
Avg Revenue beat(4)-3.8%
Min Revenue beat(4)-7.79%
Max Revenue beat(4)0.28%
Revenue beat(8)3
Avg Revenue beat(8)-1.96%
Revenue beat(12)5
Avg Revenue beat(12)0.4%
Revenue beat(16)8
Avg Revenue beat(16)0.83%
PT rev (1m)0%
PT rev (3m)3.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.14 | ||
| Fwd PE | 7.84 | ||
| P/S | 3.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.76 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.76
EY14%
EPS(NY)1.6
Fwd EY12.75%
FCF(TTM)-1.84
FCFYN/A
OCF(TTM)-1.84
OCFYN/A
SpS3.22
BVpS16.43
TBVpS16.43
PEG (NY)N/A
PEG (5Y)3.18
Graham Number25.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.61% | ||
| ROE | 5.6% | ||
| ROCE | 3.98% | ||
| ROIC | 3.14% | ||
| ROICexc | 3.21% | ||
| ROICexgc | 3.21% | ||
| OM | 42.57% | ||
| PM (TTM) | 28.61% | ||
| GM | 45.47% | ||
| 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 Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.43 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.55 | ||
| Quick Ratio | 3.55 | ||
| 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)133.13%
Profit Quality(5y)1416.45%
High Growth Momentum
Growth
EPS 1Y (TTM)-16.98%
EPS 3Y9.58%
EPS 5Y2.24%
EPS Q2Q%-23.53%
EPS Next Y-19%
EPS Next 2Y-10.47%
EPS Next 3Y-6.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.69%
Revenue growth 3Y10.75%
Revenue growth 5Y1%
Sales Q2Q%15.48%
Revenue Next Year13.44%
Revenue Next 2Y9.66%
Revenue Next 3Y5.44%
Revenue Next 5YN/A
EBIT growth 1Y-10.26%
EBIT growth 3Y6.6%
EBIT growth 5Y-0.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-178.83%
FCF growth 3Y11.41%
FCF growth 5YN/A
OCF growth 1Y-178.83%
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 for 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.
How financially healthy is CARLYLE SECURED LENDING INC?
The financial health rating of CARLYLE SECURED LENDING INC (CGBD) is 4 / 10.
How sustainable is the dividend of CARLYLE SECURED LENDING INC (CGBD) stock?
The dividend rating of CARLYLE SECURED LENDING INC (CGBD) is 5 / 10 and the dividend payout ratio is 139.71%.