MORGAN STANLEY DIRECT LENDIN (MSDL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MSDL - US61774A1034 - Common Stock
16.595 USD
+0.07 (+0.45%)
Taking everything into account, MSDL scores 3 out of 10 in our fundamental rating. MSDL was compared to 238 industry peers in the Capital Markets industry. MSDL has a bad profitability rating. Also its financial health evaluation is rather negative. MSDL has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year MSDL was profitable.
- MSDL had a positive operating cash flow in the past year.
1.2 Ratios
- The Return On Assets of MSDL (3.69%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 8.18%, MSDL is in line with its industry, outperforming 51.26% of the companies in the same industry.
- MSDL has a Return On Invested Capital of 3.83%. This is comparable to the rest of the industry: MSDL outperforms 54.62% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for MSDL is below the industry average of 7.27%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.69% | ||
| ROE | 8.18% | ||
| ROIC | 3.83% |
ROA(3y)4.71%
ROA(5y)N/A
ROE(3y)9.53%
ROE(5y)N/A
ROIC(3y)4.33%
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 35.91%, MSDL belongs to the top of the industry, outperforming 81.09% of the companies in the same industry.
- In the last couple of years the Profit Margin of MSDL has declined.
- MSDL has a better Operating Margin (46.21%) than 83.19% of its industry peers.
- In the last couple of years the Operating Margin of MSDL has declined.
- The Gross Margin of MSDL (47.20%) is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of MSDL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.21% | ||
| PM (TTM) | 35.91% | ||
| GM | 47.2% |
OM growth 3Y-4.23%
OM growth 5YN/A
PM growth 3Y-9.32%
PM growth 5YN/A
GM growth 3Y-2.84%
GM growth 5YN/A
2. Health
2.1 Basic Checks
- MSDL has more shares outstanding than it did 1 year ago.
- Compared to 1 year ago, MSDL has a worse debt to assets ratio.
2.2 Solvency
- MSDL has an Altman-Z score of 0.67. This is a bad value and indicates that MSDL is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of MSDL (0.67) is comparable to the rest of the industry.
- MSDL has a debt to FCF ratio of 2156.50. This is a negative value and a sign of low solvency as MSDL would need 2156.50 years to pay back of all of its debts.
- MSDL has a Debt to FCF ratio (2156.50) which is in line with its industry peers.
- MSDL has a Debt/Equity ratio of 1.17. This is a high value indicating a heavy dependency on external financing.
- MSDL's Debt to Equity ratio of 1.17 is in line compared to the rest of the industry. MSDL outperforms 42.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.17 | ||
| Debt/FCF | 2156.5 | ||
| Altman-Z | 0.67 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- MSDL has a Current Ratio of 1.46. This is a normal value and indicates that MSDL is financially healthy and should not expect problems in meeting its short term obligations.
- MSDL's Current ratio of 1.46 is fine compared to the rest of the industry. MSDL outperforms 67.23% of its industry peers.
- A Quick Ratio of 1.46 indicates that MSDL should not have too much problems paying its short term obligations.
- MSDL has a better Quick ratio (1.46) than 68.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.46 |
3. Growth
3.1 Past
- The earnings per share for MSDL have decreased strongly by -19.31% in the last year.
- Measured over the past years, MSDL shows a very strong growth in Earnings Per Share. The EPS has been growing by 37.13% on average per year.
- MSDL shows a decrease in Revenue. In the last year, the revenue decreased by -2.43%.
- Measured over the past years, MSDL shows a very strong growth in Revenue. The Revenue has been growing by 51.43% on average per year.
EPS 1Y (TTM)-19.31%
EPS 3Y37.13%
EPS 5YN/A
EPS Q2Q%-24.24%
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y51.43%
Revenue growth 5YN/A
Sales Q2Q%-9.14%
3.2 Future
- Based on estimates for the next years, MSDL will show a decrease in Earnings Per Share. The EPS will decrease by -9.83% on average per year.
- The Revenue is expected to decrease by -5.38% on average over the next years.
EPS Next Y-17.25%
EPS Next 2Y-12.85%
EPS Next 3Y-9.83%
EPS Next 5YN/A
Revenue Next Year-5.21%
Revenue Next 2Y-6.57%
Revenue Next 3Y-5.38%
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.
- 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 7.94, the valuation of MSDL can be described as very cheap.
- Based on the Price/Earnings ratio, MSDL is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
- MSDL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
- MSDL is valuated reasonably with a Price/Forward Earnings ratio of 8.77.
- Based on the Price/Forward Earnings ratio, MSDL is valued cheaply inside the industry as 82.77% of the companies are valued more expensively.
- MSDL is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.77 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as MSDL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1499.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as MSDL's earnings are expected to decrease with -9.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.85%
EPS Next 3Y-9.83%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 12.08%, MSDL is a good candidate for dividend investing.
- MSDL's Dividend Yield is a higher than the industry average which is at 6.12.
- MSDL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.08% |
5.2 History
- MSDL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 133.85% of the earnings are spent on dividend by MSDL. This is not a sustainable payout ratio.
DP133.85%
EPS Next 2Y-12.85%
EPS Next 3Y-9.83%
NYSE:MSDL (1/22/2026, 1:29:08 PM)
16.595
+0.07 (+0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners26.53%
Inst Owner Change0.04%
Ins Owners0.18%
Ins Owner Change35.01%
Market Cap1.44B
Revenue(TTM)403.72M
Net Income(TTM)145.00M
Analysts75.38
Price Target17.89 (7.8%)
Short Float %0.78%
Short Ratio0.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.08% |
Yearly Dividend1.91
Dividend Growth(5Y)N/A
DP133.85%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.81%
Min EPS beat(2)-4.82%
Max EPS beat(2)-2.79%
EPS beat(4)0
Avg EPS beat(4)-6.27%
Min EPS beat(4)-10.16%
Max EPS beat(4)-2.79%
EPS beat(8)1
Avg EPS beat(8)-3.77%
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)0
Avg Revenue beat(2)-5.44%
Min Revenue beat(2)-9.79%
Max Revenue beat(2)-1.1%
Revenue beat(4)0
Avg Revenue beat(4)-5.71%
Min Revenue beat(4)-9.79%
Max Revenue beat(4)-1.1%
Revenue beat(8)3
Avg Revenue beat(8)-2.83%
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)-0.81%
PT rev (3m)-7.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.77 | ||
| P/S | 3.57 | ||
| P/FCF | 1499.07 | ||
| P/OCF | 1499.07 | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.09
EY12.59%
EPS(NY)1.89
Fwd EY11.4%
FCF(TTM)0.01
FCFY0.07%
OCF(TTM)0.01
OCFY0.07%
SpS4.65
BVpS20.41
TBVpS20.41
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.69% | ||
| ROE | 8.18% | ||
| ROCE | 4.85% | ||
| ROIC | 3.83% | ||
| ROICexc | 3.9% | ||
| ROICexgc | 3.9% | ||
| OM | 46.21% | ||
| PM (TTM) | 35.91% | ||
| GM | 47.2% | ||
| FCFM | 0.24% |
ROA(3y)4.71%
ROA(5y)N/A
ROE(3y)9.53%
ROE(5y)N/A
ROIC(3y)4.33%
ROIC(5y)N/A
ROICexc(3y)4.43%
ROICexc(5y)N/A
ROICexgc(3y)4.43%
ROICexgc(5y)N/A
ROCE(3y)5.48%
ROCE(5y)N/A
ROICexgc growth 3Y24.43%
ROICexgc growth 5YN/A
ROICexc growth 3Y24.43%
ROICexc growth 5YN/A
OM growth 3Y-4.23%
OM growth 5YN/A
PM growth 3Y-9.32%
PM growth 5YN/A
GM growth 3Y-2.84%
GM growth 5YN/A
F-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.17 | ||
| Debt/FCF | 2156.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.55 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 0.66% | ||
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.46 | ||
| Altman-Z | 0.67 |
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)-19.31%
EPS 3Y37.13%
EPS 5YN/A
EPS Q2Q%-24.24%
EPS Next Y-17.25%
EPS Next 2Y-12.85%
EPS Next 3Y-9.83%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y51.43%
Revenue growth 5YN/A
Sales Q2Q%-9.14%
Revenue Next Year-5.21%
Revenue Next 2Y-6.57%
Revenue Next 3Y-5.38%
Revenue Next 5YN/A
EBIT growth 1Y-18.14%
EBIT growth 3Y45.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-345.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-345.62%
OCF growth 3YN/A
OCF growth 5YN/A
MORGAN STANLEY DIRECT LENDIN / MSDL FAQ
What is the fundamental rating for MSDL stock?
ChartMill assigns a fundamental rating of 3 / 10 to MSDL.
What is the valuation status of MORGAN STANLEY DIRECT LENDIN (MSDL) stock?
ChartMill assigns a valuation rating of 5 / 10 to MORGAN STANLEY DIRECT LENDIN (MSDL). This can be considered as Fairly Valued.
What is the profitability of MSDL stock?
MORGAN STANLEY DIRECT LENDIN (MSDL) has a profitability rating of 3 / 10.
What is the financial health of MORGAN STANLEY DIRECT LENDIN (MSDL) stock?
The financial health rating of MORGAN STANLEY DIRECT LENDIN (MSDL) is 3 / 10.
Can you provide the expected EPS growth for MSDL stock?
The Earnings per Share (EPS) of MORGAN STANLEY DIRECT LENDIN (MSDL) is expected to decline by -17.25% in the next year.