MSC INCOME FUND INC (MSIF) Fundamental Analysis & Valuation

NYSE:MSIF • US55374X2080

Current stock price

12.26 USD
-0.25 (-2%)
Last:

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

6

1. MSIF Profitability Analysis

1.1 Basic Checks

  • MSIF had positive earnings in the past year.
  • In the past year MSIF has reported a negative cash flow from operations.
  • Of the past 5 years MSIF 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: MSIF reported negative operating cash flow in multiple years.
MSIF Yearly Net Income VS EBIT VS OCF VS FCFMSIF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 6.42%, MSIF is in the better half of the industry, outperforming 75.73% of the companies in the same industry.
  • The Return On Equity of MSIF (12.01%) is better than 66.95% of its industry peers.
  • With a Return On Invested Capital value of 3.84%, MSIF perfoms like the industry average, outperforming 55.65% of the companies in the same industry.
  • MSIF had an Average Return On Invested Capital over the past 3 years of 3.92%. This is below the industry average of 7.24%.
Industry RankSector Rank
ROA 6.42%
ROE 12.01%
ROIC 3.84%
ROA(3y)5.62%
ROA(5y)N/A
ROE(3y)10.57%
ROE(5y)N/A
ROIC(3y)3.92%
ROIC(5y)N/A
MSIF Yearly ROA, ROE, ROICMSIF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 63.76%, MSIF belongs to the top of the industry, outperforming 93.72% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MSIF has grown nicely.
  • MSIF has a better Operating Margin (47.09%) than 84.94% of its industry peers.
  • MSIF's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 61.42%, MSIF is doing good in the industry, outperforming 69.46% of the companies in the same industry.
  • MSIF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 47.09%
PM (TTM) 63.76%
GM 61.42%
OM growth 3Y-2.59%
OM growth 5YN/A
PM growth 3Y13.22%
PM growth 5YN/A
GM growth 3Y2.31%
GM growth 5YN/A
MSIF Yearly Profit, Operating, Gross MarginsMSIF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. MSIF Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for MSIF has been increased compared to 1 year ago.
  • MSIF has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MSIF has an improved debt to assets ratio.
MSIF Yearly Shares OutstandingMSIF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
MSIF Yearly Total Debt VS Total AssetsMSIF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.75, we must say that MSIF is in the distress zone and has some risk of bankruptcy.
  • MSIF's Altman-Z score of 0.75 is in line compared to the rest of the industry. MSIF outperforms 50.63% of its industry peers.
  • A Debt/Equity ratio of 0.82 indicates that MSIF is somewhat dependend on debt financing.
  • MSIF has a Debt to Equity ratio (0.82) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF N/A
Altman-Z 0.75
ROIC/WACCN/A
WACCN/A
MSIF Yearly LT Debt VS Equity VS FCFMSIF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200T 400T 600T

2.3 Liquidity

  • A Current Ratio of 0.87 indicates that MSIF may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.87, MSIF is doing worse than 62.76% of the companies in the same industry.
  • A Quick Ratio of 0.87 indicates that MSIF may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.87, MSIF is not doing good in the industry: 62.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.87
Quick Ratio 0.87
MSIF Yearly Current Assets VS Current LiabilitesMSIF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

More info and screens

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

5

3. MSIF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.31% over the past year.
  • Measured over the past years, MSIF shows a very strong growth in Earnings Per Share. The EPS has been growing by 50.48% on average per year.
  • Looking at the last year, MSIF shows a small growth in Revenue. The Revenue has grown by 3.21% in the last year.
  • MSIF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.51% yearly.
EPS 1Y (TTM)36.31%
EPS 3Y50.48%
EPS 5YN/A
EPS Q2Q%25.71%
Revenue 1Y (TTM)3.21%
Revenue growth 3Y10.28%
Revenue growth 5Y32.51%
Sales Q2Q%4.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.21% on average over the next years.
  • Based on estimates for the next years, MSIF will show a decrease in Revenue. The Revenue will decrease by -3.58% on average per year.
EPS Next Y0.18%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y8.81%
Revenue Next 3Y-3.58%
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.
MSIF Yearly Revenue VS EstimatesMSIF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M
MSIF Yearly EPS VS EstimatesMSIF Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.5 1 1.5

More info and screens

Find the best growth stocksShow best growing peers

4

4. MSIF Valuation Analysis

4.1 Price/Earnings Ratio

  • MSIF is valuated reasonably with a Price/Earnings ratio of 8.07.
  • Based on the Price/Earnings ratio, MSIF is valued a bit cheaper than the industry average as 73.64% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.21. MSIF is valued rather cheaply when compared to this.
  • MSIF is valuated reasonably with a Price/Forward Earnings ratio of 8.05.
  • 78.24% of the companies in the same industry are more expensive than MSIF, based on the Price/Forward Earnings ratio.
  • MSIF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.07
Fwd PE 8.05
MSIF Price Earnings VS Forward Price EarningsMSIF 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
MSIF Per share dataMSIF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MSIF does not grow enough to justify the current Price/Earnings ratio.
  • MSIF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)45.12
PEG (5Y)N/A
EPS Next 2Y2.21%
EPS Next 3YN/A

More info and screens

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

5

5. MSIF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 11.46%, MSIF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.90, MSIF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, MSIF pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.46%

5.2 History

  • MSIF has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
MSIF Yearly Dividends per shareMSIF Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 58.12% of the earnings are spent on dividend by MSIF. This is a bit on the high side, but may be sustainable.
DP58.12%
EPS Next 2Y2.21%
EPS Next 3YN/A
MSIF Yearly Income VS Free CF VS DividendMSIF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M
MSIF Dividend Payout.MSIF Dividend Payout, showing the Payout Ratio.MSIF Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MSIF Fundamentals: All Metrics, Ratios and Statistics

MSC INCOME FUND INC

NYSE:MSIF (4/7/2026, 2:33:55 PM)

12.26

-0.25 (-2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-26
Earnings (Next)05-11
Inst Owners16.5%
Inst Owner Change0%
Ins Owners0.47%
Ins Owner Change3.66%
Market Cap564.33M
Revenue(TTM)139.15M
Net Income(TTM)88.73M
Analysts78.46
Price Target15.9 (29.69%)
Short Float %0.32%
Short Ratio0.34
Dividend
Industry RankSector Rank
Dividend Yield 11.46%
Yearly Dividend1.55
Dividend Growth(5Y)N/A
DP58.12%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.62%
Min EPS beat(2)-10.71%
Max EPS beat(2)17.95%
EPS beat(4)2
Avg EPS beat(4)1.86%
Min EPS beat(4)-10.71%
Max EPS beat(4)17.95%
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)0
Avg Revenue beat(2)-3.36%
Min Revenue beat(2)-3.66%
Max Revenue beat(2)-3.06%
Revenue beat(4)0
Avg Revenue beat(4)-3.79%
Min Revenue beat(4)-5.22%
Max Revenue beat(4)-3.06%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)-1.58%
PT rev (3m)-0.53%
EPS NQ rev (1m)-0.39%
EPS NQ rev (3m)-0.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)0.32%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 8.07
Fwd PE 8.05
P/S 4.06
P/FCF N/A
P/OCF N/A
P/B 0.76
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)1.52
EY12.4%
EPS(NY)1.52
Fwd EY12.42%
FCF(TTM)-1.53
FCFYN/A
OCF(TTM)-1.53
OCFYN/A
SpS3.02
BVpS16.05
TBVpS16.05
PEG (NY)45.12
PEG (5Y)N/A
Graham Number23.43
Profitability
Industry RankSector Rank
ROA 6.42%
ROE 12.01%
ROCE 4.87%
ROIC 3.84%
ROICexc 3.9%
ROICexgc 3.9%
OM 47.09%
PM (TTM) 63.76%
GM 61.42%
FCFM N/A
ROA(3y)5.62%
ROA(5y)N/A
ROE(3y)10.57%
ROE(5y)N/A
ROIC(3y)3.92%
ROIC(5y)N/A
ROICexc(3y)4.01%
ROICexc(5y)N/A
ROICexgc(3y)4.01%
ROICexgc(5y)N/A
ROCE(3y)4.96%
ROCE(5y)N/A
ROICexgc growth 3Y-0.33%
ROICexgc growth 5YN/A
ROICexc growth 3Y-0.33%
ROICexc growth 5YN/A
OM growth 3Y-2.59%
OM growth 5YN/A
PM growth 3Y13.22%
PM growth 5YN/A
GM growth 3Y2.31%
GM growth 5YN/A
F-Score4
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.94
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.87
Quick Ratio 0.87
Altman-Z 0.75
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)36.31%
EPS 3Y50.48%
EPS 5YN/A
EPS Q2Q%25.71%
EPS Next Y0.18%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.21%
Revenue growth 3Y10.28%
Revenue growth 5Y32.51%
Sales Q2Q%4.38%
Revenue Next Year11.31%
Revenue Next 2Y8.81%
Revenue Next 3Y-3.58%
Revenue Next 5YN/A
EBIT growth 1Y14.31%
EBIT growth 3Y7.41%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-150.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-150.57%
OCF growth 3YN/A
OCF growth 5YN/A

MSC INCOME FUND INC / MSIF Fundamental Analysis FAQ

What is the fundamental rating for MSIF stock?

ChartMill assigns a fundamental rating of 4 / 10 to MSIF.


What is the valuation status for MSIF stock?

ChartMill assigns a valuation rating of 4 / 10 to MSC INCOME FUND INC (MSIF). This can be considered as Fairly Valued.


What is the profitability of MSIF stock?

MSC INCOME FUND INC (MSIF) has a profitability rating of 6 / 10.


What is the financial health of MSC INCOME FUND INC (MSIF) stock?

The financial health rating of MSC INCOME FUND INC (MSIF) is 2 / 10.


Can you provide the dividend sustainability for MSIF stock?

The dividend rating of MSC INCOME FUND INC (MSIF) is 5 / 10 and the dividend payout ratio is 58.12%.