BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
NYSE:BCSF - US05684B1070 - Common Stock
15.57 USD
+0.07 (+0.45%)
15.57 USD
0 (0%)
BCSF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. There are concerns on the financial health of BCSF while its profitability can be described as average. 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 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.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.87%, BCSF is in the better half of the industry, outperforming 60.50% of the companies in the same industry.
BCSF's Return On Equity of 9.44% is in line compared to the rest of the industry. BCSF outperforms 54.62% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.90%, BCSF is in line with its industry, outperforming 51.68% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for BCSF is below the industry average of 7.60%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 9.44% | ||
| ROIC | 3.9% |
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 37.89%, BCSF belongs to the top of the industry, outperforming 80.67% of the companies in the same industry.
In the last couple of years the Profit Margin of BCSF has declined.
Looking at the Operating Margin, with a value of 47.50%, BCSF belongs to the top of the industry, outperforming 81.93% of the companies in the same industry.
In the last couple of years the Operating Margin of BCSF has grown nicely.
BCSF has a Gross Margin of 51.17%. This is comparable to the rest of the industry: BCSF outperforms 57.56% of its industry peers.
In the last couple of years the Gross Margin of BCSF has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.5% | ||
| PM (TTM) | 37.89% | ||
| GM | 51.17% |
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
BCSF has an Altman-Z score of 0.63. 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 of 0.63. This is comparable to the rest of the industry: BCSF outperforms 41.18% of its industry peers.
BCSF has a Debt/Equity ratio of 1.37. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.37, BCSF is doing worse than 65.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.63 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
BCSF has a Current Ratio of 1.63. 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 (1.63) than 68.07% of its industry peers.
A Quick Ratio of 1.63 indicates that BCSF should not have too much problems paying its short term obligations.
BCSF's Quick ratio of 1.63 is fine compared to the rest of the industry. BCSF outperforms 68.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
The earnings per share for BCSF have decreased by -5.16% 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 5.38% on average per year.
The Revenue has decreased by -3.54% 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)-5.16%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-7.84%
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-1.81%
3.2 Future
The Earnings Per Share is expected to decrease by -10.18% on average over the next years. This is quite bad
BCSF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.03% yearly.
EPS Next Y-9.22%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
EPS Next 5YN/A
Revenue Next Year-4.16%
Revenue Next 2Y-5.91%
Revenue Next 3Y-5.03%
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
BCSF is valuated cheaply with a Price/Earnings ratio of 7.71.
Based on the Price/Earnings ratio, BCSF is valued cheaply inside the industry as 86.55% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.14. BCSF is valued rather cheaply when compared to this.
BCSF is valuated reasonably with a Price/Forward Earnings ratio of 9.35.
BCSF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BCSF is cheaper than 79.41% of the companies in the same industry.
BCSF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BCSF's earnings are expected to decrease with -10.18% in the coming years.
PEG (NY)N/A
PEG (5Y)1.43
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.97%, BCSF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.00, BCSF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, BCSF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.97% |
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
135.38% 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.
DP135.38%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
15.57
+0.07 (+0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners34.39%
Inst Owner Change-3.04%
Ins Owners0.63%
Ins Owner Change0.55%
Market Cap1.01B
Analysts77.78
Price Target16.49 (5.91%)
Short Float %0.33%
Short Ratio0.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.97% |
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP135.38%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.14%
Min EPS beat(2)3.56%
Max EPS beat(2)4.72%
EPS beat(4)4
Avg EPS beat(4)4.81%
Min EPS beat(4)3.23%
Max EPS beat(4)7.71%
EPS beat(8)4
Avg EPS beat(8)1.22%
EPS beat(12)7
Avg EPS beat(12)7.05%
EPS beat(16)8
Avg EPS beat(16)5.98%
Revenue beat(2)1
Avg Revenue beat(2)-2.61%
Min Revenue beat(2)-7.71%
Max Revenue beat(2)2.49%
Revenue beat(4)2
Avg Revenue beat(4)-4.23%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)2.49%
Revenue beat(8)4
Avg Revenue beat(8)-0.72%
Revenue beat(12)7
Avg Revenue beat(12)2.44%
Revenue beat(16)10
Avg Revenue beat(16)2.71%
PT rev (1m)0%
PT rev (3m)-3%
EPS NQ rev (1m)4.65%
EPS NQ rev (3m)-1.46%
EPS NY rev (1m)3.33%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)4.23%
Revenue NQ rev (3m)2.13%
Revenue NY rev (1m)2.54%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 9.35 | ||
| P/S | 3.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY12.97%
EPS(NY)1.67
Fwd EY10.7%
FCF(TTM)-2.5
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS4.37
BVpS17.56
TBVpS17.56
PEG (NY)N/A
PEG (5Y)1.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 9.44% | ||
| ROCE | 4.94% | ||
| ROIC | 3.9% | ||
| ROICexc | 3.96% | ||
| ROICexgc | 3.98% | ||
| OM | 47.5% | ||
| PM (TTM) | 37.89% | ||
| GM | 51.17% | ||
| 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%
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-Score2
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.84 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z | 0.63 |
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)-5.16%
EPS 3Y15.4%
EPS 5Y5.38%
EPS Q2Q%-7.84%
EPS Next Y-9.22%
EPS Next 2Y-10.72%
EPS Next 3Y-10.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-1.81%
Revenue Next Year-4.16%
Revenue Next 2Y-5.91%
Revenue Next 3Y-5.03%
Revenue Next 5YN/A
EBIT growth 1Y-4.73%
EBIT growth 3Y16.55%
EBIT growth 5Y10.39%
EBIT Next Year688.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.99%
OCF growth 3YN/A
OCF growth 5YN/A