CARLYLE SECURED LENDING INC (CGBD) Stock Fundamental Analysis
USA - NASDAQ:CGBD - US8722801029 - Common Stock
11.88 USD
-0.08 (-0.67%)
11.88 USD
0 (0%)
Overall CGBD gets a fundamental rating of 4 out of 10. We evaluated CGBD against 237 industry peers in the Capital Markets industry. Both the profitability and the financial health of CGBD get a neutral evaluation. Nothing too spectacular is happening here. 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.
In the past year CGBD has reported a negative cash flow from operations.
Each year in the past 5 years CGBD has been profitable.
In the past 5 years CGBD always reported a positive cash flow from operatings.
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 doing worse than 60.34% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.22%, CGBD is in line with its industry, outperforming 45.57% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CGBD is below the industry average of 7.47%.
| Industry Rank | Sector 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%
1.3 Margins
CGBD has a Profit Margin of 29.49%. This is in the better half of the industry: CGBD outperforms 73.84% of its industry peers.
CGBD's Profit Margin has improved in the last couple of years.
CGBD has a better Operating Margin (41.53%) than 75.53% of its industry peers.
In the last couple of years the Operating Margin of CGBD has remained more or less at the same level.
With a Gross Margin value of 44.34%, CGBD perfoms like the industry average, outperforming 49.37% 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 Rank | Sector 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%
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 0.54. This is a bad value and indicates that CGBD is not financially healthy and even has some risk of bankruptcy.
CGBD has a worse Altman-Z score (0.54) than 61.18% of its industry peers.
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 (1.10) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.54 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.31 indicates that CGBD has no problem at all paying its short term obligations.
The Current ratio of CGBD (2.31) is better than 76.37% of its industry peers.
A Quick Ratio of 2.31 indicates that CGBD has no problem at all paying its short term obligations.
CGBD has a better Quick ratio (2.31) than 76.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.31 | ||
| Quick Ratio | 2.31 |
3. Growth
3.1 Past
The earnings per share for CGBD have decreased strongly by -21.05% in the last year.
CGBD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.24% yearly.
Looking at the last year, CGBD shows a small growth in Revenue. The Revenue has grown by 2.55% in the last year.
The Revenue has been growing slightly by 1.00% on average over the past years.
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 -7.24% on average per year.
CGBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.05% yearly.
EPS Next Y-19%
EPS Next 2Y-10.56%
EPS Next 3Y-7.24%
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y9.5%
Revenue Next 3Y5.05%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.20 indicates a rather cheap valuation of CGBD.
Based on the Price/Earnings ratio, CGBD is valued cheaply inside the industry as 84.81% of the companies are valued more expensively.
CGBD is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.43, which 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 85.65% 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 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 7.43 |
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 -7.24% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)3.21
EPS Next 2Y-10.56%
EPS Next 3Y-7.24%
5. Dividend
5.1 Amount
CGBD has a Yearly Dividend Yield of 13.18%, which is a nice return.
Compared to an average industry Dividend Yield of 8.41, CGBD pays a better dividend. On top of this CGBD pays more dividend than 80.59% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, CGBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.18% |
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
136.52% 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.
DP136.52%
EPS Next 2Y-10.56%
EPS Next 3Y-7.24%
11.88
-0.08 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners36%
Inst Owner Change-9.88%
Ins Owners0.42%
Ins Owner Change-1.01%
Market Cap866.05M
Revenue(TTM)245.01M
Net Income(TTM)72.24M
Analysts51.67
Price Target14.41 (21.3%)
Short Float %0.75%
Short Ratio1.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.18% |
Yearly Dividend1.89
Dividend Growth(5Y)1.13%
DP136.52%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-2.25%
PT rev (3m)-1.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 7.43 | ||
| P/S | 3.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.73 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.65
EY13.89%
EPS(NY)1.6
Fwd EY13.47%
FCF(TTM)-2.23
FCFYN/A
OCF(TTM)-2.23
OCFYN/A
SpS3.36
BVpS16.36
TBVpS16.36
PEG (NY)N/A
PEG (5Y)3.21
Graham Number24.64
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.31 | ||
| Quick Ratio | 2.31 | ||
| Altman-Z | 0.54 |
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-19%
EPS Next 2Y-10.56%
EPS Next 3Y-7.24%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y1%
Sales Q2Q%13.59%
Revenue Next Year13.44%
Revenue Next 2Y9.5%
Revenue Next 3Y5.05%
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 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 136.52%.