CARLYLE SECURED LENDING INC (CGBD) Fundamental Analysis & Valuation

NASDAQ:CGBD • US8722801029

Current stock price

11.17 USD
+0.04 (+0.36%)
At close:
11.17 USD
0 (0%)
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

  • In the past year CGBD was profitable.
  • In the past year CGBD has reported a negative cash flow from operations.
  • 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

  • CGBD's Return On Assets of 2.48% is in line compared to the rest of the industry. CGBD outperforms 49.17% of its industry peers.
  • CGBD has a Return On Equity (5.92%) which is comparable to the rest of the industry.
  • CGBD has a Return On Invested Capital (2.95%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CGBD is below the industry average of 7.15%.
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

  • The Profit Margin of CGBD (27.06%) is better than 68.59% of its industry peers.
  • CGBD's Profit Margin has improved in the last couple of years.
  • CGBD's Operating Margin of 39.42% is fine compared to the rest of the industry. CGBD outperforms 71.07% of its industry peers.
  • CGBD's Operating Margin has declined in the last couple of years.
  • CGBD has a Gross Margin of 42.26%. This is comparable to the rest of the industry: CGBD outperforms 44.21% of its industry peers.
  • CGBD's Gross Margin has declined in the last couple of years.
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.
  • CGBD has more shares outstanding than it did 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 0.49, we must say that CGBD is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CGBD (0.49) is worse than 60.33% of its industry peers.
  • 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 65.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z 0.49
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

  • CGBD has a Current Ratio of 3.27. 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 3.27, CGBD belongs to the top of the industry, outperforming 81.41% of the companies in the same industry.
  • A Quick Ratio of 3.27 indicates that CGBD has no problem at all paying its short term obligations.
  • CGBD's Quick ratio of 3.27 is amongst the best of the industry. CGBD outperforms 81.41% 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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2

3. CGBD Growth Analysis

3.1 Past

  • The earnings per share for CGBD have decreased strongly by -23.00% 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 0.53% on average per year.
  • Looking at the last year, CGBD shows a quite strong growth in Revenue. The Revenue has grown by 9.88% in the last year.
  • Measured over the past years, CGBD shows a small growth in Revenue. The Revenue has been growing by 7.01% on average per year.
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.
  • CGBD is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.29% yearly.
EPS Next Y-0.98%
EPS Next 2Y-0.45%
EPS Next 3Y-14.91%
EPS Next 5YN/A
Revenue Next Year0.9%
Revenue Next 2Y0.98%
Revenue Next 3Y-0.29%
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.
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

  • The Price/Earnings ratio is 7.25, which indicates a rather cheap valuation of CGBD.
  • CGBD's Price/Earnings ratio is a bit cheaper when compared to the industry. CGBD is cheaper than 78.51% of the companies in the same industry.
  • CGBD is valuated cheaply when we compare the Price/Earnings ratio to 25.79, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 7.33, the valuation of CGBD can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CGBD indicates a rather cheap valuation: CGBD is cheaper than 85.12% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, CGBD is valued rather cheaply.
Industry RankSector Rank
PE 7.25
Fwd PE 7.33
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 -14.91% in the coming years.
PEG (NY)N/A
PEG (5Y)13.74
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

  • With a Yearly Dividend Yield of 14.26%, CGBD is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.96, CGBD pays a better dividend. On top of this CGBD pays more dividend than 85.12% 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 1.91.
Industry RankSector Rank
Dividend Yield 14.26%

5.2 History

  • The dividend of CGBD decreases each year by -0.15%.
  • CGBD has paid a dividend for at least 10 years, which is a reliable track record.
  • CGBD has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.15%
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 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.
  • The Dividend Rate of CGBD has been decling, while earnings will also be 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 (3/19/2026, 4:30:00 PM)

After market: 11.17 0 (0%)

11.17

+0.04 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners37.66%
Inst Owner Change4.04%
Ins Owners0.43%
Ins Owner Change3.83%
Market Cap789.50M
Revenue(TTM)255.57M
Net Income(TTM)69.15M
Analysts72.86
Price Target13.62 (21.93%)
Short Float %1.87%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield 14.26%
Yearly Dividend1.7
Dividend Growth(5Y)-0.15%
DP150.46%
Div Incr Years4
Div Non Decr Years4
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%
PT rev (3m)0%
EPS NQ rev (1m)-1.78%
EPS NQ rev (3m)-2.48%
EPS NY rev (1m)-0.99%
EPS NY rev (3m)-1.9%
Revenue NQ rev (1m)-2.48%
Revenue NQ rev (3m)-4.18%
Revenue NY rev (1m)-2.08%
Revenue NY rev (3m)-3.72%
Valuation
Industry RankSector Rank
PE 7.25
Fwd PE 7.33
P/S 3.09
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)1.54
EY13.79%
EPS(NY)1.52
Fwd EY13.65%
FCF(TTM)-2.89
FCFYN/A
OCF(TTM)-2.89
OCFYN/A
SpS3.62
BVpS16.52
TBVpS16.52
PEG (NY)N/A
PEG (5Y)13.74
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 0.49
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 Year0.9%
Revenue Next 2Y0.98%
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.


What is the profitability of CGBD stock?

CARLYLE SECURED LENDING INC (CGBD) has a profitability rating of 4 / 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 150.46%.