MSC INCOME FUND INC (MSIF) Fundamental Analysis & Valuation

NYSE:MSIF • US55374X2080

12.77 USD
+0.25 (+2%)
At close: Mar 11, 2026
12.77 USD
0 (0%)
After Hours: 3/11/2026, 8:13:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

MSIF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 242 industry peers in the Capital Markets industry. There are concerns on the financial health of MSIF while its profitability can be described as average. MSIF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. MSIF Profitability Analysis

1.1 Basic Checks

  • In the past year MSIF was profitable.
  • In the past year MSIF has reported a negative cash flow from operations.
  • In multiple years MSIF reported negative net income over the last 5 years.
  • 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 0 100M -100M

1.2 Ratios

  • The Return On Assets of MSIF (6.10%) is better than 74.79% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.78%, MSIF is in the better half of the industry, outperforming 62.40% of the companies in the same industry.
  • MSIF has a Return On Invested Capital of 4.09%. This is in the better half of the industry: MSIF outperforms 61.57% of its industry peers.
  • MSIF had an Average Return On Invested Capital over the past 3 years of 3.92%. This is below the industry average of 7.06%.
  • The 3 year average ROIC (3.92%) for MSIF is below the current ROIC(4.09%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.1%
ROE 10.78%
ROIC 4.09%
ROA(3y)4.85%
ROA(5y)N/A
ROE(3y)9.06%
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 2 4 6 8 10

1.3 Margins

  • MSIF's Profit Margin of 57.49% is amongst the best of the industry. MSIF outperforms 90.91% of its industry peers.
  • The Operating Margin of MSIF (47.46%) is better than 84.71% of its industry peers.
  • In the last couple of years the Operating Margin of MSIF has remained more or less at the same level.
  • With a decent Gross Margin value of 59.87%, MSIF is doing good in the industry, outperforming 67.77% of the companies in the same industry.
Industry RankSector Rank
OM 47.46%
PM (TTM) 57.49%
GM 59.87%
OM growth 3Y-19.55%
OM growth 5Y1.23%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
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 0 20 -20 40 60 80

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2

2. MSIF Health Analysis

2.1 Basic Checks

  • MSIF has less shares outstanding than it did 1 year ago.
  • MSIF has less shares outstanding than it did 5 years ago.
  • MSIF has a worse debt/assets ratio than last year.
MSIF Yearly Shares OutstandingMSIF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.83, we must say that MSIF is in the distress zone and has some risk of bankruptcy.
  • MSIF has a Altman-Z score (0.83) which is in line with its industry peers.
  • MSIF has a Debt/Equity ratio of 0.72. This is a neutral value indicating MSIF is somewhat dependend on debt financing.
  • MSIF has a better Debt to Equity ratio (0.72) than 61.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Altman-Z 0.83
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 0 200T 400T 600T

2.3 Liquidity

  • A Current Ratio of 0.65 indicates that MSIF may have some problems paying its short term obligations.
  • MSIF's Current ratio of 0.65 is on the low side compared to the rest of the industry. MSIF is outperformed by 66.53% of its industry peers.
  • MSIF has a Quick Ratio of 0.65. This is a bad value and indicates that MSIF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of MSIF (0.65) is worse than 66.12% of its industry peers.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
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 20M 40M 60M

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

5

3. MSIF Growth Analysis

3.1 Past

  • MSIF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 70.73%, which is quite impressive.
  • MSIF shows a small growth in Revenue. In the last year, the Revenue has grown by 2.62%.
  • The Revenue has been growing slightly by 7.62% on average over the past years.
EPS 1Y (TTM)70.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%510.89%
Revenue 1Y (TTM)2.62%
Revenue growth 3Y15.63%
Revenue growth 5Y7.62%
Sales Q2Q%5.65%

3.2 Future

  • MSIF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.23% yearly.
  • The Revenue is expected to grow by 9.30% on average over the next years. This is quite good.
EPS Next Y4.8%
EPS Next 2Y2.71%
EPS Next 3Y3.23%
EPS Next 5YN/A
Revenue Next Year9.98%
Revenue Next 2Y10.52%
Revenue Next 3Y9.3%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 50M 100M 150M
MSIF Yearly EPS VS EstimatesMSIF Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.5 1 1.5

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4

4. MSIF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.93, the valuation of MSIF can be described as very reasonable.
  • Based on the Price/Earnings ratio, MSIF is valued a bit cheaper than the industry average as 69.83% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of MSIF to the average of the S&P500 Index (26.15), we can say MSIF is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.39, which indicates a very decent valuation of MSIF.
  • MSIF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MSIF is cheaper than 78.10% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.27, MSIF is valued rather cheaply.
Industry RankSector Rank
PE 8.93
Fwd PE 8.39
MSIF Price Earnings VS Forward Price EarningsMSIF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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.
PEG (NY)1.86
PEG (5Y)N/A
EPS Next 2Y2.71%
EPS Next 3Y3.23%

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

5

5. MSIF Dividend Analysis

5.1 Amount

  • MSIF has a Yearly Dividend Yield of 11.07%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.63, MSIF pays a bit more dividend than its industry peers.
  • MSIF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 11.07%

5.2 History

  • MSIF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
MSIF Yearly Dividends per shareMSIF Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 56.38% of the earnings are spent on dividend by MSIF. This is a bit on the high side, but may be sustainable.
DP56.38%
EPS Next 2Y2.71%
EPS Next 3Y3.23%
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 0 100M -100M
MSIF Dividend Payout.MSIF Dividend Payout, showing the Payout Ratio.MSIF Dividend Payout.PayoutRetained Earnings

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MSIF Fundamentals: All Metrics, Ratios and Statistics

MSC INCOME FUND INC

NYSE:MSIF (3/11/2026, 8:13:51 PM)

After market: 12.77 0 (0%)

12.77

+0.25 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners16.5%
Inst Owner Change39.26%
Ins Owners0.47%
Ins Owner Change11.65%
Market Cap587.80M
Revenue(TTM)137.69M
Net Income(TTM)79.16M
Analysts78.46
Price Target16.15 (26.47%)
Short Float %0.21%
Short Ratio0.29
Dividend
Industry RankSector Rank
Dividend Yield 11.07%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP56.38%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.14%
Min EPS beat(2)-10.04%
Max EPS beat(2)-4.24%
EPS beat(4)1
Avg EPS beat(4)-3.29%
Min EPS beat(4)-10.04%
Max EPS beat(4)4.45%
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)-2.64%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-2.05%
Revenue beat(4)1
Avg Revenue beat(4)-1.81%
Min Revenue beat(4)-5.22%
Max Revenue beat(4)3.25%
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)0%
PT rev (3m)1.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 8.93
Fwd PE 8.39
P/S 4.27
P/FCF N/A
P/OCF N/A
P/B 0.8
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)1.43
EY11.2%
EPS(NY)1.52
Fwd EY11.92%
FCF(TTM)-0.86
FCFYN/A
OCF(TTM)-0.86
OCFYN/A
SpS2.99
BVpS15.95
TBVpS15.95
PEG (NY)1.86
PEG (5Y)N/A
Graham Number22.66
Profitability
Industry RankSector Rank
ROA 6.1%
ROE 10.78%
ROCE 5.17%
ROIC 4.09%
ROICexc 4.14%
ROICexgc 4.14%
OM 47.46%
PM (TTM) 57.49%
GM 59.87%
FCFM N/A
ROA(3y)4.85%
ROA(5y)N/A
ROE(3y)9.06%
ROE(5y)N/A
ROIC(3y)3.92%
ROIC(5y)N/A
ROICexc(3y)4.02%
ROICexc(5y)N/A
ROICexgc(3y)4.02%
ROICexgc(5y)N/A
ROCE(3y)4.97%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-19.55%
OM growth 5Y1.23%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.85
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z 0.83
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)70.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%510.89%
EPS Next Y4.8%
EPS Next 2Y2.71%
EPS Next 3Y3.23%
EPS Next 5YN/A
Revenue 1Y (TTM)2.62%
Revenue growth 3Y15.63%
Revenue growth 5Y7.62%
Sales Q2Q%5.65%
Revenue Next Year9.98%
Revenue Next 2Y10.52%
Revenue Next 3Y9.3%
Revenue Next 5YN/A
EBIT growth 1Y-0.6%
EBIT growth 3Y-6.98%
EBIT growth 5Y8.94%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-155.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-155.9%
OCF growth 3YN/A
OCF growth 5YN/A

MSC INCOME FUND INC / MSIF 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.


Can you provide the profitability details for MSC INCOME FUND INC?

MSC INCOME FUND INC (MSIF) has a profitability rating of 5 / 10.


What is the valuation of MSC INCOME FUND INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MSC INCOME FUND INC (MSIF) is 8.93 and the Price/Book (PB) ratio is 0.8.


Is the dividend of MSC INCOME FUND INC sustainable?

The dividend rating of MSC INCOME FUND INC (MSIF) is 5 / 10 and the dividend payout ratio is 56.38%.