BAIN CAPITAL SPECIALTY FINAN (BCSF) Fundamental Analysis & Valuation

NYSE:BCSF • US05684B1070

Current stock price

12.04 USD
-0.21 (-1.71%)
At close:
12.04 USD
0 (0%)
After Hours:

This BCSF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. BCSF Profitability Analysis

1.1 Basic Checks

  • In the past year BCSF was profitable.
  • In the past year BCSF had a positive cash flow from operations.
  • In the past 5 years BCSF has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BCSF reported negative operating cash flow in multiple 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 2025 0 200M -200M -400M -600M

1.2 Ratios

  • BCSF's Return On Assets of 3.71% is fine compared to the rest of the industry. BCSF outperforms 61.09% of its industry peers.
  • With a Return On Equity value of 8.84%, BCSF perfoms like the industry average, outperforming 54.81% of the companies in the same industry.
  • BCSF has a Return On Invested Capital of 3.79%. This is comparable to the rest of the industry: BCSF outperforms 55.23% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for BCSF is below the industry average of 7.28%.
Industry RankSector Rank
ROA 3.71%
ROE 8.84%
ROIC 3.79%
ROA(3y)4.41%
ROA(5y)4.39%
ROE(3y)10.06%
ROE(5y)10.1%
ROIC(3y)4.31%
ROIC(5y)3.79%
BCSF Yearly ROA, ROE, ROICBCSF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8 10

1.3 Margins

  • With an excellent Profit Margin value of 36.14%, BCSF belongs to the best of the industry, outperforming 82.43% of the companies in the same industry.
  • BCSF's Profit Margin has improved in the last couple of years.
  • The Operating Margin of BCSF (45.88%) is better than 84.10% of its industry peers.
  • In the last couple of years the Operating Margin of BCSF has remained more or less at the same level.
  • Looking at the Gross Margin, with a value of 49.22%, BCSF is in line with its industry, outperforming 56.49% of the companies in the same industry.
  • In the last couple of years the Gross Margin of BCSF has remained more or less at the same level.
Industry RankSector Rank
OM 45.88%
PM (TTM) 36.14%
GM 49.22%
OM growth 3Y-0.91%
OM growth 5Y0.72%
PM growth 3Y-9.06%
PM growth 5Y53.31%
GM growth 3Y-0.6%
GM growth 5Y0.76%
BCSF Yearly Profit, Operating, Gross MarginsBCSF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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2

2. BCSF Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for BCSF has been increased compared to 1 year ago.
  • Compared to 5 years ago, BCSF has more shares outstanding
  • The debt/assets ratio for BCSF is higher compared to a year ago.
BCSF Yearly Shares OutstandingBCSF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • BCSF has an Altman-Z score of 0.54. This is a bad value and indicates that BCSF is not financially healthy and even has some risk of bankruptcy.
  • BCSF has a Altman-Z score (0.54) which is in line with its industry peers.
  • BCSF has a debt to FCF ratio of 49.82. This is a negative value and a sign of low solvency as BCSF would need 49.82 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 49.82, BCSF is in line with its industry, outperforming 50.21% of the companies in the same industry.
  • A Debt/Equity ratio of 1.32 is on the high side and indicates that BCSF has dependencies on debt financing.
  • The Debt to Equity ratio of BCSF (1.32) is worse than 65.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 49.82
Altman-Z 0.54
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 2025 0 500M -500M 1B 1.5B

2.3 Liquidity

  • BCSF has a Current Ratio of 1.16. 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 Current ratio (1.16) which is in line with its industry peers.
  • BCSF has a Quick Ratio of 1.16. This is a normal value and indicates that BCSF is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.16, BCSF perfoms like the industry average, outperforming 54.39% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
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 2025 50M 100M 150M

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1

3. BCSF Growth Analysis

3.1 Past

  • The earnings per share for BCSF have decreased strongly by -10.05% in the last year.
  • Measured over the past 5 years, BCSF shows a small growth in Earnings Per Share. The EPS has been growing by 5.16% on average per year.
  • Looking at the last year, BCSF shows a decrease in Revenue. The Revenue has decreased by -6.63% in the last year.
  • BCSF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.03% yearly.
EPS 1Y (TTM)-10.05%
EPS 3Y4.45%
EPS 5Y5.16%
EPS Q2Q%-11.54%
Revenue 1Y (TTM)-6.63%
Revenue growth 3Y7.57%
Revenue growth 5Y7.03%
Sales Q2Q%10.32%

3.2 Future

  • Based on estimates for the next years, BCSF will show a decrease in Earnings Per Share. The EPS will decrease by -9.34% on average per year.
  • BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.86% yearly.
EPS Next Y-10.12%
EPS Next 2Y-9.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.87%
Revenue Next 2Y-5.63%
Revenue Next 3Y-5.86%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BCSF Yearly Revenue VS EstimatesBCSF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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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6

4. BCSF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.40 indicates a rather cheap valuation of BCSF.
  • Compared to the rest of the industry, the Price/Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 82.85% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of BCSF to the average of the S&P500 Index (24.88), we can say BCSF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.13, the valuation of BCSF can be described as very cheap.
  • 84.10% of the companies in the same industry are more expensive than BCSF, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of BCSF to the average of the S&P500 Index (22.19), we can say BCSF is valued rather cheaply.
Industry RankSector Rank
PE 6.4
Fwd PE 7.13
BCSF Price Earnings VS Forward Price EarningsBCSF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • BCSF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 26.45
EV/EBITDA N/A
BCSF Per share dataBCSF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • BCSF has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as BCSF's earnings are expected to decrease with -9.34% in the coming years.
PEG (NY)N/A
PEG (5Y)1.24
EPS Next 2Y-9.34%
EPS Next 3YN/A

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

6

5. BCSF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.71%, BCSF is a good candidate for dividend investing.
  • BCSF's Dividend Yield is rather good when compared to the industry average which is at 6.76. BCSF pays more dividend than 82.85% of the companies in the same industry.
  • BCSF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 13.71%

5.2 History

  • The dividend of BCSF is nicely growing with an annual growth rate of 8.90%!
  • 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)8.9%
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 2026 0.5 1 1.5

5.3 Sustainability

  • 147.65% of the earnings are spent on dividend by BCSF. 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.
DP147.65%
EPS Next 2Y-9.34%
EPS Next 3YN/A
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 2025 0 200M -200M -400M -600M
BCSF Dividend Payout.BCSF Dividend Payout, showing the Payout Ratio.BCSF Dividend Payout.PayoutRetained Earnings

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BCSF Fundamentals: All Metrics, Ratios and Statistics

BAIN CAPITAL SPECIALTY FINAN

NYSE:BCSF (3/27/2026, 8:04:00 PM)

After market: 12.04 0 (0%)

12.04

-0.21 (-1.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners37.17%
Inst Owner Change5.44%
Ins Owners0.64%
Ins Owner Change0.8%
Market Cap781.03M
Revenue(TTM)273.24M
Net Income(TTM)98.76M
Analysts77.78
Price Target13.94 (15.78%)
Short Float %0.94%
Short Ratio0.88
Dividend
Industry RankSector Rank
Dividend Yield 13.71%
Yearly Dividend2.25
Dividend Growth(5Y)8.9%
DP147.65%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3%
Min EPS beat(2)-4.05%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)0.57%
Min EPS beat(4)-4.05%
Max EPS beat(4)4.72%
EPS beat(8)4
Avg EPS beat(8)0.56%
EPS beat(12)6
Avg EPS beat(12)3.54%
EPS beat(16)8
Avg EPS beat(16)5.81%
Revenue beat(2)0
Avg Revenue beat(2)-3.78%
Min Revenue beat(2)-5.24%
Max Revenue beat(2)-2.31%
Revenue beat(4)1
Avg Revenue beat(4)-3.19%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)2.49%
Revenue beat(8)3
Avg Revenue beat(8)-2.95%
Revenue beat(12)6
Avg Revenue beat(12)0.72%
Revenue beat(16)8
Avg Revenue beat(16)1.66%
PT rev (1m)-7.86%
PT rev (3m)-9.89%
EPS NQ rev (1m)-1.55%
EPS NQ rev (3m)-2.31%
EPS NY rev (1m)0.2%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)-0.74%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 6.4
Fwd PE 7.13
P/S 2.86
P/FCF 26.45
P/OCF 26.45
P/B 0.7
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)1.88
EY15.61%
EPS(NY)1.69
Fwd EY14.03%
FCF(TTM)0.46
FCFY3.78%
OCF(TTM)0.46
OCFY3.78%
SpS4.21
BVpS17.23
TBVpS17.23
PEG (NY)N/A
PEG (5Y)1.24
Graham Number26.99
Profitability
Industry RankSector Rank
ROA 3.71%
ROE 8.84%
ROCE 4.8%
ROIC 3.79%
ROICexc 3.83%
ROICexgc 3.86%
OM 45.88%
PM (TTM) 36.14%
GM 49.22%
FCFM 10.81%
ROA(3y)4.41%
ROA(5y)4.39%
ROE(3y)10.06%
ROE(5y)10.1%
ROIC(3y)4.31%
ROIC(5y)3.79%
ROICexc(3y)4.38%
ROICexc(5y)3.88%
ROICexgc(3y)4.4%
ROICexgc(5y)3.9%
ROCE(3y)5.45%
ROCE(5y)4.8%
ROICexgc growth 3Y4.72%
ROICexgc growth 5Y7.16%
ROICexc growth 3Y4.6%
ROICexc growth 5Y7.04%
OM growth 3Y-0.91%
OM growth 5Y0.72%
PM growth 3Y-9.06%
PM growth 5Y53.31%
GM growth 3Y-0.6%
GM growth 5Y0.76%
F-Score3
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 49.82
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.63
Cash Conversion N/A
Profit Quality 29.9%
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z 0.54
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)-10.05%
EPS 3Y4.45%
EPS 5Y5.16%
EPS Q2Q%-11.54%
EPS Next Y-10.12%
EPS Next 2Y-9.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.63%
Revenue growth 3Y7.57%
Revenue growth 5Y7.03%
Sales Q2Q%10.32%
Revenue Next Year-6.87%
Revenue Next 2Y-5.63%
Revenue Next 3Y-5.86%
Revenue Next 5YN/A
EBIT growth 1Y-9.92%
EBIT growth 3Y6.59%
EBIT growth 5Y7.8%
EBIT Next Year2063.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y208.95%
FCF growth 3YN/A
FCF growth 5Y-19.88%
OCF growth 1Y208.95%
OCF growth 3YN/A
OCF growth 5Y-19.88%

BAIN CAPITAL SPECIALTY FINAN / BCSF Fundamental Analysis 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 6 / 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 6 / 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 6.4 and the Price/Book (PB) ratio is 0.7.


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.