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BLACKROCK CREDIT ALLOCATION (BTZ) Stock Overview

USA - NYSE:BTZ - US0925081004

11.04 USD
-0.02 (-0.18%)
Last: 10/17/2025, 8:04:01 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BTZ. 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BTZ was profitable.
BTZ had a positive operating cash flow in the past year.
Of the past 5 years BTZ 4 years were profitable.
BTZ had a positive operating cash flow in each of the past 5 years.
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 3 year average ROIC (4.38%) for BTZ is below the current ROIC(4.42%), indicating increased profibility in the last year.
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.
BTZ's Operating Margin has been stable in the last couple of years.
In the last couple of years the Gross Margin of BTZ has remained more or less at the same level.
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

Compared to 1 year ago, BTZ has about the same amount of shares outstanding.
The number of shares outstanding for BTZ has been reduced compared to 5 years ago.
Compared to 1 year ago, BTZ has an improved debt to assets ratio.
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.
BTZ has a debt to FCF ratio of 5.58. This is a neutral value as BTZ would need 5.58 years to pay back of all of its debts.
A Debt/Equity ratio of 0.55 indicates that 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

BTZ has a Current Ratio of 0.04. This is a bad value and indicates that BTZ is not financially healthy enough and could expect problems in meeting its short term obligations.
BTZ has a Quick Ratio of 0.04. This is a bad value and indicates that BTZ is not financially healthy enough and could expect problems in meeting 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.
Measured over the past years, BTZ shows a decrease in Revenue. The Revenue has been decreasing by -1.50% on average per year.
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

With a Price/Earnings ratio of 9.95, the valuation of BTZ can be described as very reasonable.
BTZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.40.
Industry RankSector Rank
PE 9.95
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 9.86
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

With a Yearly Dividend Yield of 8.36%, BTZ is a good candidate for dividend investing.
BTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
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

91.26% of the earnings are spent on dividend by BTZ. This is not a sustainable payout ratio.
The Dividend Rate of BTZ has been growing, while earnings will be declining. 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 (10/17/2025, 8:04:01 PM)

11.04

-0.02 (-0.18%)

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 9.95
Fwd PE N/A
P/S 9.91
P/FCF 9.86
P/OCF 9.86
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.11
EY10.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.12
FCFY10.14%
OCF(TTM)1.12
OCFY10.14%
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%