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BLACKROCK CREDIT ALLOCATION (BTZ) Stock Overview

USA - NYSE:BTZ - US0925081004

11.03 USD
-0.01 (-0.09%)
Last: 10/20/2025, 12:29:40 PM
Fundamental Rating

2

Taking everything into account, BTZ scores 2 out of 10 in our fundamental rating. BTZ was compared to 0 industry peers in the Unkown industry. BTZ has a bad profitability rating. Also its financial health evaluation is rather negative. BTZ is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BTZ had positive earnings in the past year.
BTZ had a positive operating cash flow in the past year.
Of the past 5 years BTZ 4 years were profitable.
In the past 5 years BTZ always reported a positive cash flow from operatings.
BTZ Yearly Net Income VS EBIT VS OCF VS FCFBTZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

1.2 Ratios

The last Return On Invested Capital (4.42%) for BTZ is above the 3 year average (4.38%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.63%
ROE 9.71%
ROIC 4.42%
ROA(3y)-1.63%
ROA(5y)0.5%
ROE(3y)-2.86%
ROE(5y)0.45%
ROIC(3y)4.38%
ROIC(5y)4.04%
BTZ Yearly ROA, ROE, ROICBTZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

In the last couple of years the Profit Margin of BTZ has declined.
In the last couple of years the Operating Margin of BTZ has remained more or less at the same level.
BTZ's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 88.46%
PM (TTM) 99.04%
GM 90.04%
OM growth 3Y1.52%
OM growth 5Y0.8%
PM growth 3Y14.25%
PM growth 5Y-20.15%
GM growth 3Y1.35%
GM growth 5Y0.5%
BTZ Yearly Profit, Operating, Gross MarginsBTZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200 -300

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2

2. Health

2.1 Basic Checks

BTZ has about the same amout of shares outstanding than it did 1 year ago.
BTZ has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BTZ has been reduced compared to a year ago.
BTZ Yearly Shares OutstandingBTZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BTZ Yearly Total Debt VS Total AssetsBTZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

BTZ has an Altman-Z score of 0.46. This is a bad value and indicates that BTZ is not financially healthy and even has some risk of bankruptcy.
The Debt to FCF ratio of BTZ is 5.58, which is a neutral value as it means it would take BTZ, 5.58 years of fcf income to pay off all of its debts.
BTZ has a Debt/Equity ratio of 0.55. This is a neutral value indicating BTZ is somewhat dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.58
Altman-Z 0.46
ROIC/WACCN/A
WACCN/A
BTZ Yearly LT Debt VS Equity VS FCFBTZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 0.04 indicates that BTZ may have some problems paying its short term obligations.
A Quick Ratio of 0.04 indicates that BTZ may have some problems paying its short term obligations.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
BTZ Yearly Current Assets VS Current LiabilitesBTZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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0

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.72% over the past year.
The earnings per share for BTZ have been decreasing by -19.49% on average. This is quite bad
The Revenue has decreased by -3.08% in the past year.
BTZ shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.50% yearly.
EPS 1Y (TTM)4.72%
EPS 3Y19.35%
EPS 5Y-19.49%
EPS Q2Q%252.94%
Revenue 1Y (TTM)-3.08%
Revenue growth 3Y3.86%
Revenue growth 5Y-1.5%
Sales Q2Q%-5.56%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BTZ Yearly Revenue VS EstimatesBTZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.94 indicates a reasonable valuation of BTZ.
Compared to an average S&P500 Price/Earnings ratio of 27.42, BTZ is valued rather cheaply.
Industry RankSector Rank
PE 9.94
Fwd PE N/A
BTZ Price Earnings VS Forward Price EarningsBTZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF 9.85
EV/EBITDA N/A
BTZ Per share dataBTZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BTZ has a Yearly Dividend Yield of 8.36%, which is a nice return.
Compared to an average S&P500 Dividend Yield of 2.36, BTZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.36%

5.2 History

The dividend of BTZ has a limited annual growth rate of 4.32%.
BTZ has been paying a dividend for at least 10 years, so it has a reliable track record.
BTZ has decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.32%
Div Incr Years0
Div Non Decr Years2
BTZ Yearly Dividends per shareBTZ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

BTZ pays out 91.26% of its income as dividend. This is not a sustainable payout ratio.
BTZ's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP91.26%
EPS Next 2YN/A
EPS Next 3YN/A
BTZ Yearly Income VS Free CF VS DividendBTZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M
BTZ Dividend Payout.BTZ Dividend Payout, showing the Payout Ratio.BTZ Dividend Payout.PayoutRetained Earnings

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BLACKROCK CREDIT ALLOCATION

NYSE:BTZ (10/20/2025, 12:29:40 PM)

11.03

-0.01 (-0.09%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners36.17%
Inst Owner Change0.14%
Ins Owners0.01%
Ins Owner Change0%
Market Cap1.03B
Analysts0
Price TargetN/A
Short Float %0.09%
Short Ratio0.44
Dividend
Industry RankSector Rank
Dividend Yield 8.36%
Yearly Dividend1.01
Dividend Growth(5Y)4.32%
DP91.26%
Div Incr Years0
Div Non Decr Years2
Ex-Date10-15 2025-10-15 (0.0839)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.94
Fwd PE N/A
P/S 9.9
P/FCF 9.85
P/OCF 9.85
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.11
EY10.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.12
FCFY10.15%
OCF(TTM)1.12
OCFY10.15%
SpS1.11
BVpS11.37
TBVpS11.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 5.63%
ROE 9.71%
ROCE 8.67%
ROIC 4.42%
ROICexc 4.42%
ROICexgc 4.42%
OM 88.46%
PM (TTM) 99.04%
GM 90.04%
FCFM 100.48%
ROA(3y)-1.63%
ROA(5y)0.5%
ROE(3y)-2.86%
ROE(5y)0.45%
ROIC(3y)4.38%
ROIC(5y)4.04%
ROICexc(3y)4.38%
ROICexc(5y)4.04%
ROICexgc(3y)4.41%
ROICexgc(5y)4.06%
ROCE(3y)8.54%
ROCE(5y)7.25%
ROICexcg growth 3Y13.81%
ROICexcg growth 5Y5.24%
ROICexc growth 3Y13.85%
ROICexc growth 5Y5.25%
OM growth 3Y1.52%
OM growth 5Y0.8%
PM growth 3Y14.25%
PM growth 5Y-20.15%
GM growth 3Y1.35%
GM growth 5Y0.5%
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 5.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.29
Cash Conversion N/A
Profit Quality 101.46%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.46
F-Score4
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)4.72%
EPS 3Y19.35%
EPS 5Y-19.49%
EPS Q2Q%252.94%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.08%
Revenue growth 3Y3.86%
Revenue growth 5Y-1.5%
Sales Q2Q%-5.56%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.15%
EBIT growth 3Y5.44%
EBIT growth 5Y-0.71%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y386.05%
FCF growth 3Y5.43%
FCF growth 5Y-9.99%
OCF growth 1Y386.05%
OCF growth 3Y5.43%
OCF growth 5Y-9.99%