23.9 USD
+0.09 (+0.38%)
Taking everything into account, GAINZ scores 2 out of 10 in our fundamental rating. GAINZ was compared to 237 industry peers in the Capital Markets industry. There are concerns on the financial health of GAINZ while its profitability can be described as average. GAINZ is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GAINZ was profitable.
In the past year GAINZ has reported a negative cash flow from operations.
GAINZ had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GAINZ reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 8.11%, GAINZ belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
GAINZ has a Return On Equity of 17.33%. This is amongst the best in the industry. GAINZ outperforms 83.12% of its industry peers.
GAINZ has a Return On Invested Capital of 0.92%. This is in the lower half of the industry: GAINZ underperforms 68.35% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GAINZ is in line with the industry average of 6.96%.
The last Return On Invested Capital (0.92%) for GAINZ is well below the 3 year average (5.77%), which needs to be investigated, but indicates that GAINZ had better years and this may not be a problem.
| 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
Looking at the Profit Margin, with a value of 104.69%, GAINZ belongs to the top of the industry, outperforming 98.31% of the companies in the same industry.
GAINZ's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 14.32%, GAINZ is doing worse than 62.03% of the companies in the same industry.
GAINZ's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 1.75%, GAINZ is not doing good in the industry: 70.04% of the companies in the same industry are doing better.
GAINZ's Gross Margin has declined in the last couple of years.
| 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, GAINZ has more shares outstanding
GAINZ has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GAINZ is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.92, we must say that GAINZ is in the distress zone and has some risk of bankruptcy.
GAINZ's Altman-Z score of 0.92 is in line compared to the rest of the industry. GAINZ outperforms 51.48% of its industry peers.
A Debt/Equity ratio of 1.04 is on the high side and indicates that GAINZ has dependencies on debt financing.
GAINZ has a Debt to Equity ratio (1.04) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.92 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GAINZ has a Current Ratio of 0.19. This is a bad value and indicates that GAINZ is not financially healthy enough and could expect problems in meeting its short term obligations.
GAINZ has a worse Current ratio (0.19) than 88.61% of its industry peers.
GAINZ has a Quick Ratio of 0.19. This is a bad value and indicates that GAINZ is not financially healthy enough and could expect problems in meeting its short term obligations.
GAINZ has a worse Quick ratio (0.19) than 88.61% 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 GAINZ have decreased by -1.02% in the last year.
GAINZ shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.66% yearly.
GAINZ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -45.46%.
Measured over the past years, GAINZ 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
Based on estimates for the next years, GAINZ will show a decrease in Earnings Per Share. The EPS will decrease by -1.57% on average per year.
Based on estimates for the next years, GAINZ will show a small growth in Revenue. The Revenue will grow by 5.77% on average per year.
EPS Next Y-1.45%
EPS Next 2Y-1.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.07%
Revenue Next 2Y5.77%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
With a Price/Earnings ratio of 24.64, GAINZ is valued on the expensive side.
Based on the Price/Earnings ratio, GAINZ is valued a bit more expensive than the industry average as 65.82% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.15, GAINZ is valued at the same level.
The Price/Forward Earnings ratio is 25.43, which means the current valuation is very expensive for GAINZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GAINZ indicates a slightly more expensive valuation: GAINZ is more expensive than 65.82% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. GAINZ is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.64 | ||
| Fwd PE | 25.43 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.57%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GAINZ has a Yearly Dividend Yield of 7.05%, which is a nice return.
GAINZ's Dividend Yield is a higher than the industry average which is at 8.60.
Compared to an average S&P500 Dividend Yield of 2.41, GAINZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.05% |
5.2 History
The dividend of GAINZ is nicely growing with an annual growth rate of 9.97%!
GAINZ has been paying a dividend for over 5 years, so it has already some track record.
GAINZ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)9.97%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
87.69% of the earnings are spent on dividend by GAINZ. This is not a sustainable payout ratio.
The Dividend Rate of GAINZ has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP87.69%
EPS Next 2Y-1.57%
EPS Next 3YN/A
GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28
NASDAQ:GAINZ (11/25/2025, 8:00:00 PM)
23.9
+0.09 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.24%
Inst Owner ChangeN/A
Ins Owners1.83%
Ins Owner ChangeN/A
Market Cap913.46M
Revenue(TTM)88.68M
Net Income(TTM)92.84M
Analysts78.33
Price Target24.44 (2.26%)
Short Float %0.02%
Short Ratio2.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.05% |
Yearly Dividend1.66
Dividend Growth(5Y)9.97%
DP87.69%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)2.52%
PT rev (3m)2%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)0.85%
EPS NY rev (1m)0%
EPS NY rev (3m)1.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.64 | ||
| Fwd PE | 25.43 | ||
| P/S | 10.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.7 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY4.06%
EPS(NY)0.94
Fwd EY3.93%
FCF(TTM)-4.45
FCFYN/A
OCF(TTM)-4.45
OCFYN/A
SpS2.32
BVpS14.02
TBVpS14.02
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.49
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 | 0.92 |
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-1.45%
EPS Next 2Y-1.57%
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 Year7.07%
Revenue Next 2Y5.77%
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 4 7/8 11/01/28 / GAINZ FAQ
What is the fundamental rating for GAINZ stock?
ChartMill assigns a fundamental rating of 2 / 10 to GAINZ.
Can you provide the valuation status for GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28?
ChartMill assigns a valuation rating of 1 / 10 to GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28 (GAINZ). This can be considered as Overvalued.
Can you provide the profitability details for GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28?
GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28 (GAINZ) has a profitability rating of 4 / 10.
Can you provide the financial health for GAINZ stock?
The financial health rating of GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28 (GAINZ) is 0 / 10.
Is the dividend of GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28 sustainable?
The dividend rating of GLADSTONE INVESTMENT COR - GAIN 4 7/8 11/01/28 (GAINZ) is 5 / 10 and the dividend payout ratio is 87.69%.