BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
NYSE:BCSF - New York Stock Exchange, Inc. - US05684B1070 - Common Stock - Currency: USD
BCSF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 232 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BCSF was profitable.
BCSF had a positive operating cash flow in the past year.
In the past 5 years BCSF has always been profitable.
In multiple years BCSF reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of BCSF (4.27%) is better than 64.22% of its industry peers.
BCSF has a Return On Equity of 9.86%. This is comparable to the rest of the industry: BCSF outperforms 58.19% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.17%, BCSF is in line with its industry, outperforming 53.02% of the companies in the same industry.
BCSF had an Average Return On Invested Capital over the past 3 years of 4.13%. This is below the industry average of 7.85%.
The last Return On Invested Capital (4.17%) for BCSF is above the 3 year average (4.13%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.27% | ||
| ROE | 9.86% | ||
| ROIC | 4.17% |
ROA(3y)4.53%
ROA(5y)3.71%
ROE(3y)10.26%
ROE(5y)8.49%
ROIC(3y)4.13%
ROIC(5y)3.56%
1.3 Margins
Looking at the Profit Margin, with a value of 39.60%, BCSF belongs to the top of the industry, outperforming 83.62% of the companies in the same industry.
BCSF's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 48.20%, BCSF belongs to the top of the industry, outperforming 81.03% of the companies in the same industry.
BCSF's Operating Margin has improved in the last couple of years.
BCSF has a Gross Margin (52.03%) which is in line with its industry peers.
BCSF's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 48.2% | ||
| PM (TTM) | 39.6% | ||
| GM | 52.03% |
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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, BCSF has about the same amount of shares outstanding.
BCSF has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BCSF is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.67, we must say that BCSF is in the distress zone and has some risk of bankruptcy.
BCSF has a Altman-Z score of 0.67. This is comparable to the rest of the industry: BCSF outperforms 40.95% of its industry peers.
The Debt to FCF ratio of BCSF is 49.49, which is on the high side as it means it would take BCSF, 49.49 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BCSF (49.49) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.27 is on the high side and indicates that BCSF has dependencies on debt financing.
BCSF has a Debt to Equity ratio of 1.27. This is in the lower half of the industry: BCSF underperforms 63.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 49.49 | ||
| Altman-Z | 0.67 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.89 indicates that BCSF should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.89, BCSF is doing good in the industry, outperforming 66.81% of the companies in the same industry.
BCSF has a Quick Ratio of 1.89. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.89, BCSF is in the better half of the industry, outperforming 67.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.89 |
3. Growth
3.1 Past
BCSF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.21%.
Measured over the past 5 years, BCSF shows a small growth in Earnings Per Share. The EPS has been growing by 5.38% on average per year.
The Revenue has decreased by -4.22% in the past year.
BCSF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.14% yearly.
EPS 1Y (TTM)-7.21%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-5.66%
Revenue 1Y (TTM)-4.22%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-11.64%
3.2 Future
Based on estimates for the next years, BCSF will show a decrease in Earnings Per Share. The EPS will decrease by -8.49% on average per year.
BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -4.42% yearly.
EPS Next Y-12.15%
EPS Next 2Y-10.17%
EPS Next 3Y-8.49%
EPS Next 5YN/A
Revenue Next Year-6.53%
Revenue Next 2Y-4.66%
Revenue Next 3Y-4.42%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
The Price/Earnings ratio is 7.24, which indicates a rather cheap valuation of BCSF.
BCSF's Price/Earnings ratio is rather cheap when compared to the industry. BCSF is cheaper than 87.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.65, BCSF is valued rather cheaply.
A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of BCSF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCSF indicates a somewhat cheap valuation: BCSF is cheaper than 77.59% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.27. BCSF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.24 | ||
| Fwd PE | 8.84 |
4.2 Price Multiples
BCSF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BCSF has a very decent profitability rating, which may justify a higher PE ratio.
BCSF's earnings are expected to decrease with -8.49% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.35
EPS Next 2Y-10.17%
EPS Next 3Y-8.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.21%, BCSF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.07, BCSF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, BCSF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.21% |
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
5.3 Sustainability
BCSF pays out 128.82% of its income as dividend. This is not a sustainable payout ratio.
BCSF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP128.82%
EPS Next 2Y-10.17%
EPS Next 3Y-8.49%
NYSE:BCSF (6/24/2025, 11:33:51 AM)
14.91
+0.18 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners36.89%
Inst Owner Change-0.5%
Ins Owners0.63%
Ins Owner Change0.55%
Market Cap967.21M
Analysts77.78
Price Target16.49 (10.6%)
Short Float %0.39%
Short Ratio0.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.21% |
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP128.82%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.63%
Min EPS beat(2)3.56%
Max EPS beat(2)7.71%
EPS beat(4)3
Avg EPS beat(4)2.82%
Min EPS beat(4)-3.23%
Max EPS beat(4)7.71%
EPS beat(8)4
Avg EPS beat(8)2.98%
EPS beat(12)7
Avg EPS beat(12)8.04%
EPS beat(16)7
Avg EPS beat(16)5.59%
Revenue beat(2)0
Avg Revenue beat(2)-10.06%
Min Revenue beat(2)-12.42%
Max Revenue beat(2)-7.71%
Revenue beat(4)1
Avg Revenue beat(4)-6.23%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)0.72%
Revenue beat(8)4
Avg Revenue beat(8)-0.13%
Revenue beat(12)7
Avg Revenue beat(12)3.18%
Revenue beat(16)9
Avg Revenue beat(16)2.37%
PT rev (1m)-3%
PT rev (3m)-7.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.38%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.24 | ||
| Fwd PE | 8.84 | ||
| P/S | 3.39 | ||
| P/FCF | 32.99 | ||
| P/OCF | 32.99 | ||
| P/B | 0.85 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY13.82%
EPS(NY)1.69
Fwd EY11.31%
FCF(TTM)0.45
FCFY3.03%
OCF(TTM)0.45
OCFY3.03%
SpS4.39
BVpS17.64
TBVpS17.64
PEG (NY)N/A
PEG (5Y)1.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.27% | ||
| ROE | 9.86% | ||
| ROCE | 5.28% | ||
| ROIC | 4.17% | ||
| ROICexc | 4.23% | ||
| ROICexgc | 4.25% | ||
| OM | 48.2% | ||
| PM (TTM) | 39.6% | ||
| GM | 52.03% | ||
| FCFM | 10.29% |
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%
ROICexcg growth 3Y15.38%
ROICexcg 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-Score3
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 49.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.89 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 25.98% | ||
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.89 | ||
| Altman-Z | 0.67 |
F-Score3
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)-7.21%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-5.66%
EPS Next Y-12.15%
EPS Next 2Y-10.17%
EPS Next 3Y-8.49%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.22%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-11.64%
Revenue Next Year-6.53%
Revenue Next 2Y-4.66%
Revenue Next 3Y-4.42%
Revenue Next 5YN/A
EBIT growth 1Y-6.68%
EBIT growth 3Y16.55%
EBIT growth 5Y10.39%
EBIT Next Year688.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y111.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y111.37%
OCF growth 3YN/A
OCF growth 5YN/A