CHICAGO ATLANTIC BDC INC (LIEN) Fundamental Analysis & Valuation

NASDAQ:LIEN • US8281741020

Current stock price

9.5 USD
+0.06 (+0.64%)
Last:

This LIEN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. LIEN Profitability Analysis

1.1 Basic Checks

  • LIEN had positive earnings in the past year.
  • In the past year LIEN has reported a negative cash flow from operations.
  • In multiple years LIEN reported negative net income over the last 5 years.
  • In the past 5 years LIEN reported 4 times negative operating cash flow.
LIEN Yearly Net Income VS EBIT VS OCF VS FCFLIEN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 10M -10M 20M -20M 30M

1.2 Ratios

  • With an excellent Return On Assets value of 9.73%, LIEN belongs to the best of the industry, outperforming 83.75% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.97%, LIEN is in the better half of the industry, outperforming 65.42% of the companies in the same industry.
  • LIEN has a better Return On Invested Capital (7.95%) than 79.17% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for LIEN is in line with the industry average of 7.19%.
  • The 3 year average ROIC (6.20%) for LIEN is below the current ROIC(7.95%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.73%
ROE 10.97%
ROIC 7.95%
ROA(3y)7.04%
ROA(5y)-7.34%
ROE(3y)7.58%
ROE(5y)N/A
ROIC(3y)6.2%
ROIC(5y)N/A
LIEN Yearly ROA, ROE, ROICLIEN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 50 -50

1.3 Margins

  • Looking at the Profit Margin, with a value of 61.29%, LIEN belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
  • With an excellent Operating Margin value of 60.90%, LIEN belongs to the best of the industry, outperforming 95.42% of the companies in the same industry.
  • LIEN has a better Gross Margin (72.61%) than 80.83% of its industry peers.
Industry RankSector Rank
OM 60.9%
PM (TTM) 61.29%
GM 72.61%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LIEN Yearly Profit, Operating, Gross MarginsLIEN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 0 -1K -2K -3K -4K -5K

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3

2. LIEN Health Analysis

2.1 Basic Checks

  • LIEN has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, LIEN has a worse debt to assets ratio.
LIEN Yearly Shares OutstandingLIEN Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 5M 10M 15M 20M
LIEN Yearly Total Debt VS Total AssetsLIEN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 100M 200M 300M

2.2 Solvency

  • An Altman-Z score of 3.81 indicates that LIEN is not in any danger for bankruptcy at the moment.
  • LIEN's Altman-Z score of 3.81 is amongst the best of the industry. LIEN outperforms 81.25% of its industry peers.
  • LIEN has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.08, LIEN belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 3.81
ROIC/WACCN/A
WACCN/A
LIEN Yearly LT Debt VS Equity VS FCFLIEN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 0.64 indicates that LIEN may have some problems paying its short term obligations.
  • LIEN has a worse Current ratio (0.64) than 72.50% of its industry peers.
  • A Quick Ratio of 0.64 indicates that LIEN may have some problems paying its short term obligations.
  • LIEN has a Quick ratio of 0.64. This is in the lower half of the industry: LIEN underperforms 72.08% of its industry peers.
Industry RankSector Rank
Current Ratio 0.64
Quick Ratio 0.64
LIEN Yearly Current Assets VS Current LiabilitesLIEN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. LIEN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 136.79% over the past year.
  • The Revenue has grown by 150.64% in the past year. This is a very strong growth!
  • The Revenue has been growing by 1657.68% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)136.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.86%
Revenue 1Y (TTM)150.64%
Revenue growth 3Y1657.68%
Revenue growth 5YN/A
Sales Q2Q%12.49%

3.2 Future

  • Based on estimates for the next years, LIEN will show a small growth in Earnings Per Share. The EPS will grow by 2.02% on average per year.
  • LIEN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.10% yearly.
EPS Next Y2.14%
EPS Next 2Y2.47%
EPS Next 3Y2.02%
EPS Next 5YN/A
Revenue Next Year12.26%
Revenue Next 2Y13.56%
Revenue Next 3Y12.1%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
LIEN Yearly Revenue VS EstimatesLIEN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M
LIEN Yearly EPS VS EstimatesLIEN Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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5

4. LIEN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.51, which indicates a rather cheap valuation of LIEN.
  • LIEN's Price/Earnings ratio is rather cheap when compared to the industry. LIEN is cheaper than 84.58% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of LIEN to the average of the S&P500 Index (27.33), we can say LIEN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.37, the valuation of LIEN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, LIEN is valued cheaper than 89.17% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.16. LIEN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.51
Fwd PE 6.37
LIEN Price Earnings VS Forward Price EarningsLIEN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LIEN Per share dataLIEN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of LIEN may justify a higher PE ratio.
PEG (NY)3.04
PEG (5Y)N/A
EPS Next 2Y2.47%
EPS Next 3Y2.02%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LIEN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 14.62%, LIEN is a good candidate for dividend investing.
  • LIEN's Dividend Yield is rather good when compared to the industry average which is at 6.64. LIEN pays more dividend than 86.67% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LIEN pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.62%

5.2 History

  • LIEN has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
LIEN Yearly Dividends per shareLIEN Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 69.94% of the earnings are spent on dividend by LIEN. This is not a sustainable payout ratio.
DP69.94%
EPS Next 2Y2.47%
EPS Next 3Y2.02%
LIEN Yearly Income VS Free CF VS DividendLIEN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 2025 0 10M -10M 20M -20M 30M
LIEN Dividend Payout.LIEN Dividend Payout, showing the Payout Ratio.LIEN Dividend Payout.PayoutRetained Earnings

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LIEN Fundamentals: All Metrics, Ratios and Statistics

CHICAGO ATLANTIC BDC INC

NASDAQ:LIEN (4/15/2026, 1:41:27 PM)

9.5

+0.06 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-19
Earnings (Next)05-12
Inst Owners33.46%
Inst Owner ChangeN/A
Ins Owners0.35%
Ins Owner Change0%
Market Cap216.79M
Revenue(TTM)54.30M
Net Income(TTM)33.28M
Analysts80
Price Target11.22 (18.11%)
Short Float %0.04%
Short Ratio0.15
Dividend
Industry RankSector Rank
Dividend Yield 14.62%
Yearly Dividend1.02
Dividend Growth(5Y)N/A
DP69.94%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-30
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.32%
Min EPS beat(2)-1.69%
Max EPS beat(2)18.32%
EPS beat(4)2
Avg EPS beat(4)4.32%
Min EPS beat(4)-6.89%
Max EPS beat(4)18.32%
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)1
Avg Revenue beat(2)1.16%
Min Revenue beat(2)-1.28%
Max Revenue beat(2)3.61%
Revenue beat(4)2
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-1.98%
Max Revenue beat(4)3.61%
Revenue beat(8)6
Avg Revenue beat(8)16.16%
Revenue beat(12)10
Avg Revenue beat(12)13.61%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-2.34%
EPS NQ rev (3m)-2.34%
EPS NY rev (1m)-2.01%
EPS NY rev (3m)-2.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.51
Fwd PE 6.37
P/S 3.99
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)1.46
EY15.37%
EPS(NY)1.49
Fwd EY15.7%
FCF(TTM)-0.9
FCFYN/A
OCF(TTM)-0.9
OCFYN/A
SpS2.38
BVpS13.3
TBVpS13.3
PEG (NY)3.04
PEG (5Y)N/A
Graham Number20.8989 (119.99%)
Profitability
Industry RankSector Rank
ROA 9.73%
ROE 10.97%
ROCE 10.07%
ROIC 7.95%
ROICexc 8.03%
ROICexgc 8.03%
OM 60.9%
PM (TTM) 61.29%
GM 72.61%
FCFM N/A
ROA(3y)7.04%
ROA(5y)-7.34%
ROE(3y)7.58%
ROE(5y)N/A
ROIC(3y)6.2%
ROIC(5y)N/A
ROICexc(3y)7.73%
ROICexc(5y)N/A
ROICexgc(3y)7.73%
ROICexgc(5y)N/A
ROCE(3y)7.85%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 870.3
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.64
Quick Ratio 0.64
Altman-Z 3.81
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)136.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.86%
EPS Next Y2.14%
EPS Next 2Y2.47%
EPS Next 3Y2.02%
EPS Next 5YN/A
Revenue 1Y (TTM)150.64%
Revenue growth 3Y1657.68%
Revenue growth 5YN/A
Sales Q2Q%12.49%
Revenue Next Year12.26%
Revenue Next 2Y13.56%
Revenue Next 3Y12.1%
Revenue Next 5YN/A
EBIT growth 1Y123.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-306.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-306.74%
OCF growth 3YN/A
OCF growth 5YN/A

CHICAGO ATLANTIC BDC INC / LIEN Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CHICAGO ATLANTIC BDC INC (LIEN) stock?

ChartMill assigns a fundamental rating of 5 / 10 to LIEN.


What is the valuation status for LIEN stock?

ChartMill assigns a valuation rating of 5 / 10 to CHICAGO ATLANTIC BDC INC (LIEN). This can be considered as Fairly Valued.


What is the profitability of LIEN stock?

CHICAGO ATLANTIC BDC INC (LIEN) has a profitability rating of 6 / 10.


How financially healthy is CHICAGO ATLANTIC BDC INC?

The financial health rating of CHICAGO ATLANTIC BDC INC (LIEN) is 3 / 10.


Is the dividend of CHICAGO ATLANTIC BDC INC sustainable?

The dividend rating of CHICAGO ATLANTIC BDC INC (LIEN) is 5 / 10 and the dividend payout ratio is 69.94%.