BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:BCSF • US05684B1070

13.8 USD
+0.31 (+2.3%)
At close: Feb 10, 2026
13.8 USD
0 (0%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BCSF scores 4 out of 10 in our fundamental rating. BCSF was compared to 238 industry peers in the Capital Markets industry. BCSF has a medium profitability rating, but doesn't score so well on its financial health evaluation. BCSF has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • BCSF had positive earnings in the past year.
  • BCSF had a negative operating cash flow in the past year.
  • Each year in the past 5 years BCSF has been profitable.
  • In multiple years BCSF reported negative operating cash flow during the last 5 years.
BCSF Yearly Net Income VS EBIT VS OCF VS FCFBCSF 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 0 200M -200M -400M -600M

1.2 Ratios

  • With a Return On Assets value of 3.43%, BCSF perfoms like the industry average, outperforming 56.30% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 8.25%, BCSF is in line with its industry, outperforming 52.10% of the companies in the same industry.
  • The Return On Invested Capital of BCSF (3.88%) is comparable to the rest of the industry.
  • BCSF had an Average Return On Invested Capital over the past 3 years of 4.13%. This is below the industry average of 7.26%.
Industry RankSector Rank
ROA 3.43%
ROE 8.25%
ROIC 3.88%
ROA(3y)4.53%
ROA(5y)3.71%
ROE(3y)10.26%
ROE(5y)8.49%
ROIC(3y)4.13%
ROIC(5y)3.56%
BCSF Yearly ROA, ROE, ROICBCSF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BCSF (33.45%) is better than 79.83% of its industry peers.
  • In the last couple of years the Profit Margin of BCSF has declined.
  • BCSF has a Operating Margin of 46.62%. This is amongst the best in the industry. BCSF outperforms 83.61% of its industry peers.
  • In the last couple of years the Operating Margin of BCSF has grown nicely.
  • Looking at the Gross Margin, with a value of 50.18%, BCSF is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • BCSF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 46.62%
PM (TTM) 33.45%
GM 50.18%
OM growth 3Y2.21%
OM growth 5Y2.08%
PM growth 3Y-12.39%
PM growth 5Y-3.82%
GM growth 3Y2.62%
GM growth 5Y2.37%
BCSF Yearly Profit, Operating, Gross MarginsBCSF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The number of shares outstanding for BCSF remains at a similar level compared to 1 year ago.
  • BCSF has more shares outstanding than it did 5 years ago.
  • BCSF has a worse debt/assets ratio than last year.
BCSF Yearly Shares OutstandingBCSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BCSF Yearly Total Debt VS Total AssetsBCSF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • BCSF has an Altman-Z score of 0.59. This is a bad value and indicates that BCSF is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.59, BCSF is in line with its industry, outperforming 42.86% of the companies in the same industry.
  • BCSF has a Debt/Equity ratio of 1.33. This is a high value indicating a heavy dependency on external financing.
  • BCSF has a worse Debt to Equity ratio (1.33) than 65.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF N/A
Altman-Z 0.59
ROIC/WACCN/A
WACCN/A
BCSF Yearly LT Debt VS Equity VS FCFBCSF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B

2.3 Liquidity

  • BCSF has a Current Ratio of 1.31. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
  • BCSF has a better Current ratio (1.31) than 63.45% of its industry peers.
  • A Quick Ratio of 1.31 indicates that BCSF should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.31, BCSF is doing good in the industry, outperforming 64.29% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.31
Quick Ratio 1.31
BCSF Yearly Current Assets VS Current LiabilitesBCSF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • BCSF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.06%.
  • BCSF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.38% yearly.
  • The Revenue has decreased by -5.41% in the past year.
  • Measured over the past years, BCSF shows a quite strong growth in Revenue. The Revenue has been growing by 8.14% on average per year.
EPS 1Y (TTM)-8.06%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-15.09%
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%

3.2 Future

  • The Earnings Per Share is expected to decrease by -9.67% on average over the next years.
  • BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -4.63% yearly.
EPS Next Y-7.76%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
EPS Next 5YN/A
Revenue Next Year-4.58%
Revenue Next 2Y-5.29%
Revenue Next 3Y-4.63%
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.
BCSF Yearly Revenue VS EstimatesBCSF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
BCSF Yearly EPS VS EstimatesBCSF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.11, the valuation of BCSF can be described as very cheap.
  • BCSF's Price/Earnings ratio is rather cheap when compared to the industry. BCSF is cheaper than 81.51% of the companies in the same industry.
  • BCSF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
  • BCSF is valuated reasonably with a Price/Forward Earnings ratio of 8.18.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 84.45% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of BCSF to the average of the S&P500 Index (27.97), we can say BCSF is valued rather cheaply.
Industry RankSector Rank
PE 7.11
Fwd PE 8.18
BCSF Price Earnings VS Forward Price EarningsBCSF 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
BCSF Per share dataBCSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • BCSF's earnings are expected to decrease with -9.67% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BCSF has a Yearly Dividend Yield of 12.81%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.12, BCSF pays a better dividend. On top of this BCSF pays more dividend than 83.61% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, BCSF pays a better dividend.
Industry RankSector Rank
Dividend Yield 12.81%

5.2 History

  • The dividend of BCSF has a limited annual growth rate of 2.77%.
  • BCSF has been paying a dividend for over 5 years, so it has already some track record.
  • BCSF has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.77%
Div Incr Years3
Div Non Decr Years3
BCSF Yearly Dividends per shareBCSF Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 156.46% of the earnings are spent on dividend by BCSF. This is not a sustainable payout ratio.
  • The Dividend Rate of BCSF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP156.46%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
BCSF Yearly Income VS Free CF VS DividendBCSF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M -600M
BCSF Dividend Payout.BCSF Dividend Payout, showing the Payout Ratio.BCSF Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BAIN CAPITAL SPECIALTY FINAN

NYSE:BCSF (2/10/2026, 8:04:00 PM)

After market: 13.8 0 (0%)

13.8

+0.31 (+2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-10
Earnings (Next)03-03
Inst Owners35.64%
Inst Owner Change-0.75%
Ins Owners0.64%
Ins Owner Change0%
Market Cap895.21M
Revenue(TTM)278.35M
Net Income(TTM)93.11M
Analysts80
Price Target15.13 (9.64%)
Short Float %0.63%
Short Ratio0.8
Dividend
Industry RankSector Rank
Dividend Yield 12.81%
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP156.46%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.38%
Min EPS beat(2)-1.96%
Max EPS beat(2)4.72%
EPS beat(4)3
Avg EPS beat(4)3.51%
Min EPS beat(4)-1.96%
Max EPS beat(4)7.71%
EPS beat(8)4
Avg EPS beat(8)1.01%
EPS beat(12)6
Avg EPS beat(12)2.94%
EPS beat(16)8
Avg EPS beat(16)5.98%
Revenue beat(2)1
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-5.24%
Max Revenue beat(2)2.49%
Revenue beat(4)1
Avg Revenue beat(4)-5.72%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)2.49%
Revenue beat(8)4
Avg Revenue beat(8)-1.03%
Revenue beat(12)6
Avg Revenue beat(12)0.75%
Revenue beat(16)9
Avg Revenue beat(16)2.04%
PT rev (1m)-2.2%
PT rev (3m)-8.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.02%
EPS NY rev (1m)0%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.44%
Valuation
Industry RankSector Rank
PE 7.11
Fwd PE 8.18
P/S 3.22
P/FCF N/A
P/OCF N/A
P/B 0.79
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)1.94
EY14.06%
EPS(NY)1.69
Fwd EY12.22%
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)-0.27
OCFYN/A
SpS4.29
BVpS17.4
TBVpS17.4
PEG (NY)N/A
PEG (5Y)1.32
Graham Number27.56
Profitability
Industry RankSector Rank
ROA 3.43%
ROE 8.25%
ROCE 4.91%
ROIC 3.88%
ROICexc 3.97%
ROICexgc 4%
OM 46.62%
PM (TTM) 33.45%
GM 50.18%
FCFM N/A
ROA(3y)4.53%
ROA(5y)3.71%
ROE(3y)10.26%
ROE(5y)8.49%
ROIC(3y)4.13%
ROIC(5y)3.56%
ROICexc(3y)4.22%
ROICexc(5y)3.66%
ROICexgc(3y)4.24%
ROICexgc(5y)3.67%
ROCE(3y)5.23%
ROCE(5y)4.51%
ROICexgc growth 3Y15.38%
ROICexgc growth 5Y11.17%
ROICexc growth 3Y15.28%
ROICexc growth 5Y11.09%
OM growth 3Y2.21%
OM growth 5Y2.08%
PM growth 3Y-12.39%
PM growth 5Y-3.82%
GM growth 3Y2.62%
GM growth 5Y2.37%
F-Score2
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.68
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.31
Quick Ratio 1.31
Altman-Z 0.59
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.06%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-15.09%
EPS Next Y-7.76%
EPS Next 2Y-10.17%
EPS Next 3Y-9.67%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
Revenue Next Year-4.58%
Revenue Next 2Y-5.29%
Revenue Next 3Y-4.63%
Revenue Next 5YN/A
EBIT growth 1Y-7.43%
EBIT growth 3Y16.55%
EBIT growth 5Y10.39%
EBIT Next Year688.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-113.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-113.17%
OCF growth 3YN/A
OCF growth 5YN/A

BAIN CAPITAL SPECIALTY FINAN / BCSF FAQ

Can you provide the ChartMill fundamental rating for BAIN CAPITAL SPECIALTY FINAN?

ChartMill assigns a fundamental rating of 4 / 10 to BCSF.


What is the valuation status for BCSF stock?

ChartMill assigns a valuation rating of 5 / 10 to BAIN CAPITAL SPECIALTY FINAN (BCSF). This can be considered as Fairly Valued.


How profitable is BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?

BAIN CAPITAL SPECIALTY FINAN (BCSF) has a profitability rating of 5 / 10.


What is the valuation of BAIN CAPITAL SPECIALTY FINAN based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BAIN CAPITAL SPECIALTY FINAN (BCSF) is 7.11 and the Price/Book (PB) ratio is 0.79.


What is the financial health of BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?

The financial health rating of BAIN CAPITAL SPECIALTY FINAN (BCSF) is 2 / 10.