25.219 USD
+0.04 (+0.15%)
GAINL gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. While GAINL is still in line with the averages on profitability rating, there are concerns on its financial health. GAINL is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GAINL was profitable.
In the past year GAINL has reported a negative cash flow from operations.
GAINL had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GAINL reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.11%, GAINL belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
GAINL's Return On Equity of 17.33% is amongst the best of the industry. GAINL outperforms 82.35% of its industry peers.
With a Return On Invested Capital value of 0.92%, GAINL is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for GAINL is in line with the industry average of 7.17%.
The 3 year average ROIC (5.77%) for GAINL is well above the current ROIC(0.92%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.11% | ||
| ROE | 17.33% | ||
| ROIC | 0.92% |
ROA(3y)6.74%
ROA(5y)8.13%
ROE(3y)12.83%
ROE(5y)14.51%
ROIC(3y)5.77%
ROIC(5y)4.86%
1.3 Margins
With an excellent Profit Margin value of 104.69%, GAINL belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
GAINL's Profit Margin has declined in the last couple of years.
GAINL's Operating Margin of 14.32% is on the low side compared to the rest of the industry. GAINL is outperformed by 61.76% of its industry peers.
GAINL's Operating Margin has declined in the last couple of years.
GAINL has a worse Gross Margin (1.75%) than 71.01% of its industry peers.
In the last couple of years the Gross Margin of GAINL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.32% | ||
| PM (TTM) | 104.69% | ||
| GM | 1.75% |
OM growth 3Y19.86%
OM growth 5Y-5.22%
PM growth 3Y-29.25%
PM growth 5YN/A
GM growth 3Y24.26%
GM growth 5Y-8.83%
2. Health
2.1 Basic Checks
Compared to 1 year ago, GAINL has more shares outstanding
GAINL has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GAINL has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.00, we must say that GAINL is in the distress zone and has some risk of bankruptcy.
GAINL has a Altman-Z score (1.00) which is in line with its industry peers.
GAINL has a Debt/Equity ratio of 1.04. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.04, GAINL is in line with its industry, outperforming 46.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GAINL has a Current Ratio of 0.19. This is a bad value and indicates that GAINL is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.19, GAINL is not doing good in the industry: 89.08% of the companies in the same industry are doing better.
A Quick Ratio of 0.19 indicates that GAINL may have some problems paying its short term obligations.
GAINL has a worse Quick ratio (0.19) than 89.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 |
3. Growth
3.1 Past
The earnings per share for GAINL have decreased by -1.02% in the last year.
The Earnings Per Share has been decreasing by -2.66% on average over the past years.
GAINL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -45.46%.
Measured over the past years, GAINL shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)-1.02%
EPS 3Y29.18%
EPS 5Y-2.66%
EPS Q2Q%0%
Revenue 1Y (TTM)-45.46%
Revenue growth 3Y21.71%
Revenue growth 5Y8.01%
Sales Q2Q%12.03%
3.2 Future
The Earnings Per Share is expected to decrease by -3.46% on average over the next years.
GAINL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.84% yearly.
EPS Next Y-1.5%
EPS Next 2Y-3.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.66%
Revenue Next 2Y6.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
GAINL is valuated quite expensively with a Price/Earnings ratio of 26.00.
Based on the Price/Earnings ratio, GAINL is valued a bit more expensive than the industry average as 65.97% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.19, GAINL is valued at the same level.
A Price/Forward Earnings ratio of 27.90 indicates a quite expensive valuation of GAINL.
GAINL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GAINL is more expensive than 68.07% of the companies in the same industry.
GAINL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26 | ||
| Fwd PE | 27.9 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GAINL's earnings are expected to decrease with -3.46% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.02%, GAINL is a good candidate for dividend investing.
GAINL's Dividend Yield is a higher than the industry average which is at 6.19.
GAINL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.02% |
5.2 History
On average, the dividend of GAINL grows each year by 9.97%, which is quite nice.
GAINL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)9.97%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
87.69% of the earnings are spent on dividend by GAINL. This is not a sustainable payout ratio.
GAINL's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP87.69%
EPS Next 2Y-3.46%
EPS Next 3YN/A
GLADSTONE INVESTMENT COR - GAIN 8 08/01/28
NASDAQ:GAINL (12/15/2025, 8:00:02 PM)
25.219
+0.04 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners16.59%
Inst Owner ChangeN/A
Ins Owners1.76%
Ins Owner ChangeN/A
Market Cap999.93M
Revenue(TTM)88.68M
Net Income(TTM)92.84M
Analysts78.33
Price Target26.12 (3.57%)
Short Float %0%
Short Ratio0.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.02% |
Yearly Dividend1.66
Dividend Growth(5Y)9.97%
DP87.69%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.03%
Min EPS beat(2)3.29%
Max EPS beat(2)4.76%
EPS beat(4)3
Avg EPS beat(4)3.54%
Min EPS beat(4)-2.81%
Max EPS beat(4)8.93%
EPS beat(8)3
Avg EPS beat(8)-1.66%
EPS beat(12)4
Avg EPS beat(12)-1.73%
EPS beat(16)7
Avg EPS beat(16)1.13%
Revenue beat(2)1
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-4.9%
Max Revenue beat(2)0.4%
Revenue beat(4)2
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-8.43%
Max Revenue beat(4)6.43%
Revenue beat(8)3
Avg Revenue beat(8)-4.57%
Revenue beat(12)4
Avg Revenue beat(12)-4.36%
Revenue beat(16)7
Avg Revenue beat(16)4.28%
PT rev (1m)-1.26%
PT rev (3m)2.17%
EPS NQ rev (1m)-3.68%
EPS NQ rev (3m)-2.7%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)-0.84%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)1.48%
Revenue NY rev (3m)1.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26 | ||
| Fwd PE | 27.9 | ||
| P/S | 11.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.87 | ||
| P/tB | 1.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY3.85%
EPS(NY)0.9
Fwd EY3.58%
FCF(TTM)-4.29
FCFYN/A
OCF(TTM)-4.29
OCFYN/A
SpS2.24
BVpS13.51
TBVpS13.51
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.11% | ||
| ROE | 17.33% | ||
| ROCE | 1.16% | ||
| ROIC | 0.92% | ||
| ROICexc | 0.92% | ||
| ROICexgc | 0.92% | ||
| OM | 14.32% | ||
| PM (TTM) | 104.69% | ||
| GM | 1.75% | ||
| FCFM | N/A |
ROA(3y)6.74%
ROA(5y)8.13%
ROE(3y)12.83%
ROE(5y)14.51%
ROIC(3y)5.77%
ROIC(5y)4.86%
ROICexc(3y)5.82%
ROICexc(5y)4.9%
ROICexgc(3y)5.83%
ROICexgc(5y)4.91%
ROCE(3y)7.3%
ROCE(5y)6.15%
ROICexgc growth 3Y31.76%
ROICexgc growth 5Y-7.75%
ROICexc growth 3Y31.74%
ROICexc growth 5Y-7.75%
OM growth 3Y19.86%
OM growth 5Y-5.22%
PM growth 3Y-29.25%
PM growth 5YN/A
GM growth 3Y24.26%
GM growth 5Y-8.83%
F-Score3
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.43 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 | ||
| Altman-Z | 1 |
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)-1.02%
EPS 3Y29.18%
EPS 5Y-2.66%
EPS Q2Q%0%
EPS Next Y-1.5%
EPS Next 2Y-3.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.46%
Revenue growth 3Y21.71%
Revenue growth 5Y8.01%
Sales Q2Q%12.03%
Revenue Next Year8.66%
Revenue Next 2Y6.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-88.01%
EBIT growth 3Y45.88%
EBIT growth 5Y2.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-85.4%
FCF growth 3Y-23.62%
FCF growth 5Y-14.32%
OCF growth 1Y-85.4%
OCF growth 3Y-23.62%
OCF growth 5Y-14.32%
GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 / GAINL FAQ
Can you provide the ChartMill fundamental rating for GLADSTONE INVESTMENT COR - GAIN 8 08/01/28?
ChartMill assigns a fundamental rating of 2 / 10 to GAINL.
Can you provide the valuation status for GLADSTONE INVESTMENT COR - GAIN 8 08/01/28?
ChartMill assigns a valuation rating of 1 / 10 to GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 (GAINL). This can be considered as Overvalued.
How profitable is GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 (GAINL) stock?
GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 (GAINL) has a profitability rating of 4 / 10.
What is the valuation of GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 (GAINL) is 26 and the Price/Book (PB) ratio is 1.87.
What is the earnings growth outlook for GLADSTONE INVESTMENT COR - GAIN 8 08/01/28?
The Earnings per Share (EPS) of GLADSTONE INVESTMENT COR - GAIN 8 08/01/28 (GAINL) is expected to decline by -1.5% in the next year.