GOLDMAN SACHS BDC INC (GSBD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GSBD - US38147U1079 - Common Stock
9.3 USD
-0.13 (-1.38%)
9.32 USD
+0.02 (+0.22%)
Taking everything into account, GSBD scores 5 out of 10 in our fundamental rating. GSBD was compared to 238 industry peers in the Capital Markets industry. GSBD has a medium profitability rating, but doesn't score so well on its financial health evaluation. GSBD is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year GSBD was profitable.
- GSBD had a positive operating cash flow in the past year.
- GSBD had positive earnings in each of the past 5 years.
- Of the past 5 years GSBD 4 years had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 3.93%, GSBD is doing good in the industry, outperforming 64.14% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 9.15%, GSBD is in line with its industry, outperforming 54.85% of the companies in the same industry.
- GSBD's Return On Invested Capital of 4.69% is fine compared to the rest of the industry. GSBD outperforms 63.71% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for GSBD is in line with the industry average of 7.15%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.93% | ||
| ROE | 9.15% | ||
| ROIC | 4.69% |
ROA(3y)2.95%
ROA(5y)3.91%
ROE(3y)6.63%
ROE(5y)8.54%
ROIC(3y)5.51%
ROIC(5y)4.92%
1.3 Margins
- GSBD's Profit Margin of 34.72% is amongst the best of the industry. GSBD outperforms 80.59% of its industry peers.
- GSBD's Profit Margin has declined in the last couple of years.
- GSBD's Operating Margin of 51.12% is amongst the best of the industry. GSBD outperforms 89.45% of its industry peers.
- In the last couple of years the Operating Margin of GSBD has remained more or less at the same level.
- GSBD's Gross Margin of 53.81% is fine compared to the rest of the industry. GSBD outperforms 63.29% of its industry peers.
- In the last couple of years the Gross Margin of GSBD has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 51.12% | ||
| PM (TTM) | 34.72% | ||
| GM | 53.81% |
OM growth 3Y-5.28%
OM growth 5Y1.45%
PM growth 3Y-36.09%
PM growth 5Y-10%
GM growth 3Y-4.71%
GM growth 5Y1.34%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, GSBD has more shares outstanding
- Compared to 5 years ago, GSBD has more shares outstanding
- The debt/assets ratio for GSBD is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.46, we must say that GSBD is in the distress zone and has some risk of bankruptcy.
- GSBD has a Altman-Z score of 0.46. This is in the lower half of the industry: GSBD underperforms 61.60% of its industry peers.
- GSBD has a debt to FCF ratio of 5.00. This is a neutral value as GSBD would need 5.00 years to pay back of all of its debts.
- GSBD has a better Debt to FCF ratio (5.00) than 71.31% of its industry peers.
- GSBD has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.27, GSBD is doing worse than 63.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 5 | ||
| Altman-Z | 0.46 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- GSBD has a Current Ratio of 1.34. This is a normal value and indicates that GSBD is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.34, GSBD is in the better half of the industry, outperforming 61.60% of the companies in the same industry.
- GSBD has a Quick Ratio of 1.34. This is a normal value and indicates that GSBD is financially healthy and should not expect problems in meeting its short term obligations.
- The Quick ratio of GSBD (1.34) is better than 65.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
- The earnings per share for GSBD have decreased strongly by -25.66% in the last year.
- Measured over the past 5 years, GSBD shows a small growth in Earnings Per Share. The EPS has been growing by 2.14% on average per year.
- Looking at the last year, GSBD shows a very negative growth in Revenue. The Revenue has decreased by -14.05% in the last year.
- Measured over the past years, GSBD shows a very strong growth in Revenue. The Revenue has been growing by 24.15% on average per year.
EPS 1Y (TTM)-25.66%
EPS 3Y4.48%
EPS 5Y2.14%
EPS Q2Q%-31.03%
Revenue 1Y (TTM)-14.05%
Revenue growth 3Y7.77%
Revenue growth 5Y24.15%
Sales Q2Q%-17.04%
3.2 Future
- GSBD is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -17.40% yearly.
- GSBD is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -10.41% yearly.
EPS Next Y-31.44%
EPS Next 2Y-22.43%
EPS Next 3Y-17.4%
EPS Next 5YN/A
Revenue Next Year-15.62%
Revenue Next 2Y-13.51%
Revenue Next 3Y-10.41%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- GSBD is valuated cheaply with a Price/Earnings ratio of 5.54.
- GSBD's Price/Earnings ratio is rather cheap when compared to the industry. GSBD is cheaper than 92.83% of the companies in the same industry.
- GSBD is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 7.06, the valuation of GSBD can be described as very cheap.
- 88.61% of the companies in the same industry are more expensive than GSBD, based on the Price/Forward Earnings ratio.
- GSBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.54 | ||
| Fwd PE | 7.06 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, GSBD is valued cheaply inside the industry as 90.72% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of GSBD may justify a higher PE ratio.
- GSBD's earnings are expected to decrease with -17.40% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.59
EPS Next 2Y-22.43%
EPS Next 3Y-17.4%
5. Dividend
5.1 Amount
- GSBD has a Yearly Dividend Yield of 13.57%, which is a nice return.
- Compared to an average industry Dividend Yield of 6.10, GSBD pays a better dividend. On top of this GSBD pays more dividend than 86.50% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, GSBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.57% |
5.2 History
- The dividend of GSBD has a limited annual growth rate of 0.10%.
- GSBD has paid a dividend for at least 10 years, which is a reliable track record.
- GSBD has decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.1%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 169.14% of the earnings are spent on dividend by GSBD. This is not a sustainable payout ratio.
- The Dividend Rate of GSBD has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP169.14%
EPS Next 2Y-22.43%
EPS Next 3Y-17.4%
9.3
-0.13 (-1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners33.64%
Inst Owner Change0.17%
Ins Owners0.15%
Ins Owner Change0.17%
Market Cap1.06B
Revenue(TTM)383.31M
Net Income(TTM)133.09M
Analysts48
Price Target10.26 (10.32%)
Short Float %1.5%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.57% |
Yearly Dividend1.74
Dividend Growth(5Y)0.1%
DP169.14%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.51%
Min EPS beat(2)-5.68%
Max EPS beat(2)6.71%
EPS beat(4)1
Avg EPS beat(4)-2.02%
Min EPS beat(4)-5.68%
Max EPS beat(4)6.71%
EPS beat(8)3
Avg EPS beat(8)-0.17%
EPS beat(12)6
Avg EPS beat(12)1.63%
EPS beat(16)8
Avg EPS beat(16)2.43%
Revenue beat(2)0
Avg Revenue beat(2)-6.53%
Min Revenue beat(2)-11.03%
Max Revenue beat(2)-2.03%
Revenue beat(4)0
Avg Revenue beat(4)-5.55%
Min Revenue beat(4)-11.03%
Max Revenue beat(4)-2.03%
Revenue beat(8)1
Avg Revenue beat(8)-4.43%
Revenue beat(12)3
Avg Revenue beat(12)-3.98%
Revenue beat(16)4
Avg Revenue beat(16)-4.52%
PT rev (1m)1.47%
PT rev (3m)-7.82%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)1.52%
EPS NY rev (3m)-3.32%
Revenue NQ rev (1m)0.94%
Revenue NQ rev (3m)-3.75%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.54 | ||
| Fwd PE | 7.06 | ||
| P/S | 2.77 | ||
| P/FCF | 2.88 | ||
| P/OCF | 2.88 | ||
| P/B | 0.73 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.68
EY18.06%
EPS(NY)1.32
Fwd EY14.17%
FCF(TTM)3.23
FCFY34.74%
OCF(TTM)3.23
OCFY34.74%
SpS3.36
BVpS12.75
TBVpS12.75
PEG (NY)N/A
PEG (5Y)2.59
Graham Number21.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.93% | ||
| ROE | 9.15% | ||
| ROCE | 5.94% | ||
| ROIC | 4.69% | ||
| ROICexc | 4.86% | ||
| ROICexgc | 4.86% | ||
| OM | 51.12% | ||
| PM (TTM) | 34.72% | ||
| GM | 53.81% | ||
| FCFM | 96.18% |
ROA(3y)2.95%
ROA(5y)3.91%
ROE(3y)6.63%
ROE(5y)8.54%
ROIC(3y)5.51%
ROIC(5y)4.92%
ROICexc(3y)5.59%
ROICexc(5y)4.99%
ROICexgc(3y)5.6%
ROICexgc(5y)4.99%
ROCE(3y)6.97%
ROCE(5y)6.23%
ROICexgc growth 3Y2.08%
ROICexgc growth 5Y5.75%
ROICexc growth 3Y2.1%
ROICexc growth 5Y5.76%
OM growth 3Y-5.28%
OM growth 5Y1.45%
PM growth 3Y-36.09%
PM growth 5Y-10%
GM growth 3Y-4.71%
GM growth 5Y1.34%
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.98 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 277.01% | ||
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 | ||
| Altman-Z | 0.46 |
F-Score6
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)69.08%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-25.66%
EPS 3Y4.48%
EPS 5Y2.14%
EPS Q2Q%-31.03%
EPS Next Y-31.44%
EPS Next 2Y-22.43%
EPS Next 3Y-17.4%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.05%
Revenue growth 3Y7.77%
Revenue growth 5Y24.15%
Sales Q2Q%-17.04%
Revenue Next Year-15.62%
Revenue Next 2Y-13.51%
Revenue Next 3Y-10.41%
Revenue Next 5YN/A
EBIT growth 1Y-24%
EBIT growth 3Y2.08%
EBIT growth 5Y25.94%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.85%
OCF growth 3YN/A
OCF growth 5YN/A
GOLDMAN SACHS BDC INC / GSBD FAQ
What is the fundamental rating for GSBD stock?
ChartMill assigns a fundamental rating of 5 / 10 to GSBD.
What is the valuation status of GOLDMAN SACHS BDC INC (GSBD) stock?
ChartMill assigns a valuation rating of 7 / 10 to GOLDMAN SACHS BDC INC (GSBD). This can be considered as Undervalued.
How profitable is GOLDMAN SACHS BDC INC (GSBD) stock?
GOLDMAN SACHS BDC INC (GSBD) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for GSBD stock?
The Price/Earnings (PE) ratio for GOLDMAN SACHS BDC INC (GSBD) is 5.54 and the Price/Book (PB) ratio is 0.73.
How financially healthy is GOLDMAN SACHS BDC INC?
The financial health rating of GOLDMAN SACHS BDC INC (GSBD) is 3 / 10.