BAIN CAPITAL SPECIALTY FINAN (BCSF) Stock Fundamental Analysis
USA - NYSE:BCSF - US05684B1070 - Common Stock
13.78 USD
-0.02 (-0.14%)
13.78 USD
0 (0%)
Overall BCSF gets a fundamental rating of 4 out of 10. We evaluated BCSF against 237 industry peers in the Capital Markets industry. While BCSF is still in line with the averages on profitability rating, there are concerns on its financial health. BCSF has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year BCSF was profitable.
In the past year BCSF has reported a negative 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.
1.2 Ratios
With a Return On Assets value of 3.43%, BCSF perfoms like the industry average, outperforming 58.23% of the companies in the same industry.
BCSF has a Return On Equity (8.25%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 3.88%, BCSF is in line with its industry, outperforming 55.70% 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 7.11%.
| Industry Rank | Sector 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%
1.3 Margins
With a decent Profit Margin value of 33.45%, BCSF is doing good in the industry, outperforming 78.90% of the companies in the same industry.
In the last couple of years the Profit Margin of BCSF has declined.
With an excellent Operating Margin value of 46.62%, BCSF belongs to the best of the industry, outperforming 83.97% of the companies in the same industry.
BCSF's Operating Margin has improved in the last couple of years.
BCSF has a Gross Margin of 50.18%. This is in the better half of the industry: BCSF outperforms 60.76% of its industry peers.
In the last couple of years the Gross Margin of BCSF has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The number of shares outstanding for BCSF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BCSF has more shares outstanding
Compared to 1 year ago, BCSF has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.59, we must say that BCSF is in the distress zone and has some risk of bankruptcy.
BCSF has a Altman-Z score of 0.59. This is comparable to the rest of the industry: BCSF outperforms 40.08% of its industry peers.
A Debt/Equity ratio of 1.33 is on the high side and indicates that BCSF has dependencies on debt financing.
With a Debt to Equity ratio value of 1.33, BCSF is not doing good in the industry: 65.82% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.59 |
ROIC/WACCN/A
WACCN/A
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's Current ratio of 1.31 is in line compared to the rest of the industry. BCSF outperforms 59.07% of its industry peers.
BCSF has a Quick 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 Quick ratio (1.31) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.31 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
The earnings per share for BCSF have decreased by -8.06% 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.
Looking at the last year, BCSF shows a decrease in Revenue. The Revenue has decreased by -5.41% in the last year.
The Revenue has been growing by 8.14% on average over the past years. This is quite good.
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 -10.38% 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-10.81%
EPS Next 3Y-10.38%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
BCSF is valuated cheaply with a Price/Earnings ratio of 7.10.
Based on the Price/Earnings ratio, BCSF is valued cheaply inside the industry as 86.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.07, BCSF is valued rather cheaply.
BCSF is valuated reasonably with a Price/Forward Earnings ratio of 8.29.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCSF indicates a rather cheap valuation: BCSF is cheaper than 81.01% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.08. BCSF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 8.29 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BCSF's earnings are expected to decrease with -10.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.39%, BCSF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.50, BCSF pays a bit more dividend than its industry peers.
BCSF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.39% |
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 156.46% 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.
DP156.46%
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
13.78
-0.02 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners33.3%
Inst Owner Change3.68%
Ins Owners0.63%
Ins Owner Change0%
Market Cap893.91M
Revenue(TTM)278.35M
Net Income(TTM)93.11M
Analysts77.78
Price Target15.47 (12.26%)
Short Float %0.82%
Short Ratio1.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.39% |
Yearly Dividend1.77
Dividend Growth(5Y)2.77%
DP156.46%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 8.29 | ||
| P/S | 3.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.94
EY14.08%
EPS(NY)1.66
Fwd EY12.07%
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 Rank | Sector 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 Rank | Sector 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-9.22%
EPS Next 2Y-10.81%
EPS Next 3Y-10.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y14.03%
Revenue growth 5Y8.14%
Sales Q2Q%-6.21%
Revenue Next Year-4.16%
Revenue Next 2Y-5.91%
Revenue Next 3Y-5.03%
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.
Can you provide the valuation status for BAIN CAPITAL SPECIALTY FINAN?
ChartMill assigns a valuation rating of 5 / 10 to BAIN CAPITAL SPECIALTY FINAN (BCSF). This can be considered as Fairly Valued.
Can you provide the profitability details for BAIN CAPITAL SPECIALTY FINAN?
BAIN CAPITAL SPECIALTY FINAN (BCSF) has a profitability rating of 5 / 10.
Can you provide the financial health for BCSF stock?
The financial health rating of BAIN CAPITAL SPECIALTY FINAN (BCSF) is 2 / 10.
What is the expected EPS growth for BAIN CAPITAL SPECIALTY FINAN (BCSF) stock?
The Earnings per Share (EPS) of BAIN CAPITAL SPECIALTY FINAN (BCSF) is expected to decline by -9.22% in the next year.