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 235 industry peers in the Capital Markets industry. While GSBD is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
- Of the past 5 years GSBD 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.93%, GSBD is in the better half of the industry, outperforming 63.83% of the companies in the same industry.
- With a Return On Equity value of 9.15%, GSBD perfoms like the industry average, outperforming 54.47% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 4.69%, GSBD is in the better half of the industry, outperforming 63.40% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for GSBD is in line with the industry average of 7.16%.
| 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
- The Profit Margin of GSBD (34.72%) is better than 80.43% of its industry peers.
- GSBD's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 51.12%, GSBD belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
- 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 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.
- The number of shares outstanding for GSBD has been increased compared to 5 years ago.
- GSBD has a worse debt/assets ratio than last year.
2.2 Solvency
- GSBD has an Altman-Z score of 0.46. This is a bad value and indicates that GSBD is not financially healthy and even 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 60.85% of its industry peers.
- The Debt to FCF ratio of GSBD is 5.00, which is a neutral value as it means it would take GSBD, 5.00 years of fcf income to pay off all of its debts.
- GSBD has a Debt to FCF ratio of 5.00. This is in the better half of the industry: GSBD outperforms 71.06% of its industry peers.
- A Debt/Equity ratio of 1.27 is on the high side and indicates that GSBD has dependencies on debt financing.
- GSBD has a Debt to Equity ratio of 1.27. This is in the lower half of the industry: GSBD underperforms 62.98% of its industry peers.
| 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 61.70% 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.
- GSBD has a better Quick ratio (1.34) than 65.53% 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.
- 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%.
- GSBD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.15% yearly.
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
- The Earnings Per Share is expected to decrease by -17.40% on average over the next years. This is quite bad
- The Revenue is expected to decrease by -10.41% on average over the next years. This is quite bad
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
- Based on the Price/Earnings ratio of 5.54, the valuation of GSBD can be described as very cheap.
- 92.77% of the companies in the same industry are more expensive than GSBD, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of GSBD to the average of the S&P500 Index (27.47), we can say GSBD is valued rather cheaply.
- GSBD is valuated cheaply with a Price/Forward Earnings ratio of 7.06.
- 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.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. GSBD is valued rather cheaply when compared to this.
| 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 cheaper than 90.21% of the companies in the same industry.
| 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.
- A cheap valuation may be justified as GSBD's earnings are expected to decrease with -17.40% in the coming years.
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 13.91%, which is a nice return.
- Compared to an average industry Dividend Yield of 6.15, GSBD pays a better dividend. On top of this GSBD pays more dividend than 88.51% of the companies listed in the same industry.
- GSBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| 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 paid a dividend for at least 10 years, which is 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.
- GSBD's earnings are declining while the Dividend Rate has been growing. 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 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 (10.32%)
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 | 5.54 | ||
| 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.