GOLDMAN SACHS BDC INC (GSBD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GSBD - US38147U1079 - Common Stock
9.27 USD
+0.22 (+2.43%)
9.2507 USD
-0.02 (-0.21%)
We assign a fundamental rating of 5 out of 10 to GSBD. GSBD was compared to 235 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 valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year GSBD was profitable.
- GSBD had a positive operating cash flow in the past year.
- Each year in the past 5 years GSBD has been profitable.
- GSBD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- GSBD has a better Return On Assets (3.93%) than 63.83% of its industry peers.
- The Return On Equity of GSBD (9.15%) is comparable to the rest of the industry.
- The Return On Invested Capital of GSBD (4.69%) is better than 63.40% of its industry peers.
- GSBD had an Average Return On Invested Capital over the past 3 years of 5.51%. This is in line with the industry average of 7.17%.
| 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 80.43% 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 89.36% of its industry peers.
- GSBD's Operating Margin has been stable in the last couple of years.
- The Gross Margin of GSBD (53.81%) is better than 62.98% of its industry peers.
- GSBD's Gross Margin has been stable in the last couple of years.
| 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
- The number of shares outstanding for GSBD has been increased compared to 1 year ago.
- GSBD has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for GSBD is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.45, we must say that GSBD is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.45, GSBD is not doing good in the industry: 60.85% of the companies in the same industry are doing better.
- 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.
- The Debt to FCF ratio of GSBD (5.00) is better than 71.06% 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.
- GSBD's Debt to Equity ratio of 1.27 is on the low side compared to the rest of the industry. GSBD is outperformed by 62.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 5 | ||
| Altman-Z | 0.45 |
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.
- GSBD has a better Current ratio (1.34) than 61.70% of its industry peers.
- A Quick Ratio of 1.34 indicates that GSBD should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.34, GSBD is in the better half of the industry, outperforming 65.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
- GSBD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.66%.
- The Earnings Per Share has been growing slightly by 2.14% on average over the past years.
- GSBD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.05%.
- The Revenue has been growing by 24.15% on average over the past years. This is a very strong growth!
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.
- Based on estimates for the next years, GSBD will show a very negative growth in Revenue. The Revenue will decrease by -10.41% on average per year.
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
- A Price/Earnings ratio of 5.52 indicates a rather cheap valuation of GSBD.
- Based on the Price/Earnings ratio, GSBD is valued cheaply inside the industry as 93.19% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of GSBD to the average of the S&P500 Index (27.30), we can say GSBD is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.03, which indicates a rather cheap valuation of GSBD.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of GSBD indicates a rather cheap valuation: GSBD is cheaper than 89.79% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of GSBD to the average of the S&P500 Index (24.04), we can say GSBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.52 | ||
| Fwd PE | 7.03 |
4.2 Price Multiples
- 90.21% of the companies in the same industry are more expensive than GSBD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| 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)2.58
EPS Next 2Y-22.43%
EPS Next 3Y-17.4%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 13.91%, GSBD is a good candidate for dividend investing.
- GSBD's Dividend Yield is rather good when compared to the industry average which is at 6.19. GSBD pays more dividend than 88.51% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, GSBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.91% |
5.2 History
- The dividend of GSBD has a limited annual growth rate of 0.10%.
- GSBD has been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of GSBD decreased in the last 3 years.
Dividend Growth(5Y)0.1%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- GSBD pays out 169.14% of its income as dividend. 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%
9.27
+0.22 (+2.43%)
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 Change-0.16%
Ins Owners0.15%
Ins Owner Change0.17%
Market Cap1.06B
Revenue(TTM)383.31M
Net Income(TTM)133.09M
Analysts48
Price Target10.26 (10.68%)
Short Float %1.5%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.91% |
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 | 5.52 | ||
| Fwd PE | 7.03 | ||
| P/S | 2.76 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.87 | ||
| P/B | 0.73 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.68
EY18.12%
EPS(NY)1.32
Fwd EY14.22%
FCF(TTM)3.23
FCFY34.85%
OCF(TTM)3.23
OCFY34.85%
SpS3.36
BVpS12.75
TBVpS12.75
PEG (NY)N/A
PEG (5Y)2.58
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 | 0.45 |
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 5.52 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.