LIEN Fundamental Analysis - CHICAGO ATLANTIC BDC INC

Fundamental Rating

Overall LIEN gets a fundamental rating of 5 out of 10. We evaluated LIEN against 239 industry peers in the Capital Markets industry. While LIEN has a great health rating, its profitability is only average at the moment. LIEN is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 5.33%, LIEN is in the better half of the industry, outperforming 73.64% of the companies in the same industry.

Looking at the Return On Equity, with a value of 5.55%, LIEN is in line with its industry, outperforming 40.17% of the companies in the same industry.

With a decent Return On Invested Capital value of 5.35%, LIEN is doing good in the industry, outperforming 69.04% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	5.33%
ROE	5.55%
ROIC	5.35%

ROA(3y)3.58%

ROA(5y)N/A

ROE(3y)3.7%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LIEN has a better Profit Margin (54.23%) than 95.40% of its industry peers.

LIEN has a better Operating Margin (66.22%) than 98.33% of its industry peers.

Looking at the Gross Margin, with a value of 77.36%, LIEN belongs to the top of the industry, outperforming 83.68% of the companies in the same industry.

		Industry Rank	Sector Rank
OM	66.22%
PM (TTM)	54.23%
GM	77.36%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LIEN has more shares outstanding than it did 1 year ago.

LIEN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

An Altman-Z score of 12.08 indicates that LIEN is not in any danger for bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 12.08, LIEN belongs to the top of the industry, outperforming 95.82% of the companies in the same industry.

There is no outstanding debt for LIEN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	12.08

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 1.96 indicates that LIEN should not have too much problems paying its short term obligations.

The Current ratio of LIEN (1.96) is better than 69.46% of its industry peers.

LIEN has a Quick Ratio of 1.96. This is a normal value and indicates that LIEN is financially healthy and should not expect problems in meeting its short term obligations.

With a decent Quick ratio value of 1.96, LIEN is doing good in the industry, outperforming 69.87% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.96
Quick Ratio	1.96

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 1412.33% over the past year.

Looking at the last year, LIEN shows a very strong growth in Revenue. The Revenue has grown by 119229.00%.

EPS 1Y (TTM)1412.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%N/A

Revenue 1Y (TTM)119229%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%324.5%

3.2 Future

The Earnings Per Share is expected to grow by 13.11% on average over the next years. This is quite good.

Based on estimates for the next years, LIEN will show a very strong growth in Revenue. The Revenue will grow by 76.50% on average per year.

EPS Next Y-27.55%

EPS Next 2Y15.94%

EPS Next 3Y13.11%

EPS Next 5YN/A

Revenue Next Year72.4%

Revenue Next 2Y116.15%

Revenue Next 3Y76.5%

Revenue Next 5YN/A

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.46 indicates a reasonable valuation of LIEN.

Compared to the rest of the industry, the Price/Earnings ratio of LIEN indicates a somewhat cheap valuation: LIEN is cheaper than 71.13% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.06, LIEN is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 7.49, the valuation of LIEN can be described as very cheap.

Based on the Price/Forward Earnings ratio, LIEN is valued cheaply inside the industry as 90.38% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.69. LIEN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	7.49

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as LIEN's earnings are expected to grow with 13.11% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y15.94%

EPS Next 3Y13.11%

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5. Dividend

5.1 Amount

LIEN has a Yearly Dividend Yield of 12.48%, which is a nice return.

LIEN's Dividend Yield is a higher than the industry average which is at 7.91.

LIEN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	12.48%

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 Years0

Div Non Decr Years0

5.3 Sustainability

LIEN pays out 65.00% of its income as dividend. This is not a sustainable payout ratio.

DP65%

EPS Next 2Y15.94%

EPS Next 3Y13.11%

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CHICAGO ATLANTIC BDC INC

NASDAQ:LIEN (9/5/2025, 8:27:11 PM)

10.77

-0.1 (-0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)08-14 2025-08-14/bmo

Earnings (Next)11-05 2025-11-05/amc

Inst Owners21.3%

Inst Owner ChangeN/A

Ins Owners0.34%

Ins Owner Change0.06%

Market Cap245.77M

Analysts43.33

Price Target12.38 (14.95%)

Short Float %0.06%

Short Ratio0.35

Dividend

		Industry Rank	Sector Rank
Dividend Yield	12.48%

Yearly Dividend0.86

Dividend Growth(5Y)N/A

DP65%

Div Incr Years0

Div Non Decr Years0

Ex-Date09-29 2025-09-29 (0.34)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)12.93%

Min EPS beat(2)7.53%

Max EPS beat(2)18.32%

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)2

Avg Revenue beat(2)6.83%

Min Revenue beat(2)0.94%

Max Revenue beat(2)12.73%

Revenue beat(4)4

Avg Revenue beat(4)28.82%

Min Revenue beat(4)0.94%

Max Revenue beat(4)53.37%

Revenue beat(8)8

Avg Revenue beat(8)18.11%

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)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-2.62%

EPS NY rev (3m)10.24%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.88%

Revenue NY rev (1m)0%

Revenue NY rev (3m)10.36%

Valuation

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	7.49
P/S	7.97
P/FCF	N/A
P/OCF	N/A
P/B	0.82
P/tB	0.82
EV/EBITDA	N/A

EPS(TTM)1.03

EY9.56%

EPS(NY)1.44

Fwd EY13.35%

FCF(TTM)-0.63

FCFYN/A

OCF(TTM)-0.63

OCFYN/A

SpS1.35

BVpS13.19

TBVpS13.19

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	5.33%
ROE	5.55%
ROCE	6.78%
ROIC	5.35%
ROICexc	5.63%
ROICexgc	5.63%
OM	66.22%
PM (TTM)	54.23%
GM	77.36%
FCFM	N/A

ROA(3y)3.58%

ROA(5y)N/A

ROE(3y)3.7%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg 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-Score2

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.96
Quick Ratio	1.96
Altman-Z	12.08

F-Score2

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)1412.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%N/A

EPS Next Y-27.55%

EPS Next 2Y15.94%

EPS Next 3Y13.11%

EPS Next 5YN/A

Revenue 1Y (TTM)119229%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%324.5%

Revenue Next Year72.4%

Revenue Next 2Y116.15%

Revenue Next 3Y76.5%

Revenue Next 5YN/A

EBIT growth 1Y155.31%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-187.57%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-187.57%

OCF growth 3YN/A

OCF growth 5YN/A

CHICAGO ATLANTIC BDC INC (LIEN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens