NUVEEN CHURCHILL DIRECT LEND (NCDL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NCDL - US67090S1087 - Common Stock
13.84 USD
+0.18 (+1.32%)
13.84 USD
0 (0%)
NCDL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. There are concerns on the financial health of NCDL while its profitability can be described as average. NCDL is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year NCDL was profitable.
- NCDL had a positive operating cash flow in the past year.
- NCDL had positive earnings in each of the past 5 years.
- NCDL had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.88%, NCDL is in the better half of the industry, outperforming 63.40% of the companies in the same industry.
- With a Return On Equity value of 8.98%, NCDL perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
- With a decent Return On Invested Capital value of 4.11%, NCDL is doing good in the industry, outperforming 60.43% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for NCDL is below the industry average of 7.16%.
- The 3 year average ROIC (3.88%) for NCDL is below the current ROIC(4.11%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.88% | ||
| ROE | 8.98% | ||
| ROIC | 4.11% |
ROA(3y)3.73%
ROA(5y)3.02%
ROE(3y)8.48%
ROE(5y)6.82%
ROIC(3y)3.88%
ROIC(5y)3.04%
1.3 Margins
- The Profit Margin of NCDL (36.83%) is better than 83.40% of its industry peers.
- NCDL's Profit Margin has improved in the last couple of years.
- NCDL has a better Operating Margin (48.11%) than 85.11% of its industry peers.
- NCDL's Operating Margin has improved in the last couple of years.
- With a Gross Margin value of 48.15%, NCDL perfoms like the industry average, outperforming 56.17% of the companies in the same industry.
- In the last couple of years the Gross Margin of NCDL has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 48.11% | ||
| PM (TTM) | 36.83% | ||
| GM | 48.15% |
OM growth 3Y-2.41%
OM growth 5Y4.58%
PM growth 3Y-11.59%
PM growth 5Y1.87%
GM growth 3Y-7.32%
GM growth 5Y0.38%
2. Health
2.1 Basic Checks
- NCDL has less shares outstanding than it did 1 year ago.
- NCDL has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for NCDL has been reduced compared to a year ago.
2.2 Solvency
- NCDL has an Altman-Z score of 0.59. This is a bad value and indicates that NCDL is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.59, NCDL perfoms like the industry average, outperforming 42.98% of the companies in the same industry.
- NCDL has a debt to FCF ratio of 6.23. This is a slightly negative value and a sign of low solvency as NCDL would need 6.23 years to pay back of all of its debts.
- The Debt to FCF ratio of NCDL (6.23) is better than 67.23% of its industry peers.
- A Debt/Equity ratio of 1.25 is on the high side and indicates that NCDL has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 1.25, NCDL is doing worse than 62.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 6.23 | ||
| Altman-Z | 0.59 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- NCDL has a Current Ratio of 0.86. This is a bad value and indicates that NCDL is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Current ratio value of 0.86, NCDL is not doing good in the industry: 62.13% of the companies in the same industry are doing better.
- A Quick Ratio of 0.86 indicates that NCDL may have some problems paying its short term obligations.
- NCDL has a Quick ratio of 0.86. This is in the lower half of the industry: NCDL underperforms 61.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
- The earnings per share for NCDL have decreased strongly by -16.88% in the last year.
- Measured over the past years, NCDL shows a very strong growth in Earnings Per Share. The EPS has been growing by 75.26% on average per year.
- The Revenue has decreased by -0.47% in the past year.
- The Revenue has been growing by 70.84% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-16.88%
EPS 3Y62.6%
EPS 5Y75.26%
EPS Q2Q%-25.86%
Revenue 1Y (TTM)-0.47%
Revenue growth 3Y83.45%
Revenue growth 5Y70.84%
Sales Q2Q%-15.22%
3.2 Future
- The Earnings Per Share is expected to decrease by -11.68% on average over the next years. This is quite bad
- NCDL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.47% yearly.
EPS Next Y-16.87%
EPS Next 2Y-14.07%
EPS Next 3Y-11.68%
EPS Next 5YN/A
Revenue Next Year-8.21%
Revenue Next 2Y-10.12%
Revenue Next 3Y-8.47%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.03 indicates a rather cheap valuation of NCDL.
- Based on the Price/Earnings ratio, NCDL is valued cheaper than 87.23% of the companies in the same industry.
- NCDL is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.29 indicates a reasonable valuation of NCDL.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NCDL indicates a rather cheap valuation: NCDL is cheaper than 85.11% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of NCDL to the average of the S&P500 Index (24.31), we can say NCDL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 8.29 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, NCDL is valued cheaply inside the industry as 88.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of NCDL may justify a higher PE ratio.
- NCDL's earnings are expected to decrease with -11.68% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-14.07%
EPS Next 3Y-11.68%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 14.04%, NCDL is a good candidate for dividend investing.
- NCDL's Dividend Yield is rather good when compared to the industry average which is at 6.19. NCDL pays more dividend than 88.94% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, NCDL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.04% |
5.2 History
- NCDL 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
DPN/A
EPS Next 2Y-14.07%
EPS Next 3Y-11.68%
13.84
+0.18 (+1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)02-25 2026-02-25/bmo
Inst Owners27.42%
Inst Owner Change-0.06%
Ins Owners0.64%
Ins Owner Change0%
Market Cap683.56M
Revenue(TTM)214.90M
Net Income(TTM)79.15M
Analysts78.33
Price Target16.36 (18.21%)
Short Float %0.84%
Short Ratio1.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.04% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.49%
Min EPS beat(2)-6.32%
Max EPS beat(2)-2.67%
EPS beat(4)0
Avg EPS beat(4)-6.08%
Min EPS beat(4)-7.76%
Max EPS beat(4)-2.67%
EPS beat(8)2
Avg EPS beat(8)-2.28%
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)-4.41%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-4.26%
Revenue beat(4)0
Avg Revenue beat(4)-6.86%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)-4.26%
Revenue beat(8)2
Avg Revenue beat(8)-3.97%
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)-5.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.82%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 8.29 | ||
| P/S | 3.18 | ||
| P/FCF | 3.85 | ||
| P/OCF | 3.85 | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.97
EY14.23%
EPS(NY)1.67
Fwd EY12.06%
FCF(TTM)3.6
FCFY25.98%
OCF(TTM)3.6
OCFY25.98%
SpS4.35
BVpS17.85
TBVpS17.85
PEG (NY)N/A
PEG (5Y)0.09
Graham Number28.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.88% | ||
| ROE | 8.98% | ||
| ROCE | 5.2% | ||
| ROIC | 4.11% | ||
| ROICexc | 4.21% | ||
| ROICexgc | 4.23% | ||
| OM | 48.11% | ||
| PM (TTM) | 36.83% | ||
| GM | 48.15% | ||
| FCFM | 82.63% |
ROA(3y)3.73%
ROA(5y)3.02%
ROE(3y)8.48%
ROE(5y)6.82%
ROIC(3y)3.88%
ROIC(5y)3.04%
ROICexc(3y)4.01%
ROICexc(5y)3.14%
ROICexgc(3y)4.01%
ROICexgc(5y)3.14%
ROCE(3y)4.92%
ROCE(5y)3.85%
ROICexgc growth 3Y28.07%
ROICexgc growth 5Y10.13%
ROICexc growth 3Y28.07%
ROICexc growth 5Y10.13%
OM growth 3Y-2.41%
OM growth 5Y4.58%
PM growth 3Y-11.59%
PM growth 5Y1.87%
GM growth 3Y-7.32%
GM growth 5Y0.38%
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 6.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.28 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 224.37% | ||
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 | ||
| Altman-Z | 0.59 |
F-Score5
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)-16.88%
EPS 3Y62.6%
EPS 5Y75.26%
EPS Q2Q%-25.86%
EPS Next Y-16.87%
EPS Next 2Y-14.07%
EPS Next 3Y-11.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.47%
Revenue growth 3Y83.45%
Revenue growth 5Y70.84%
Sales Q2Q%-15.22%
Revenue Next Year-8.21%
Revenue Next 2Y-10.12%
Revenue Next 3Y-8.47%
Revenue Next 5YN/A
EBIT growth 1Y-13.79%
EBIT growth 3Y79.02%
EBIT growth 5Y78.66%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y154.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y154.96%
OCF growth 3YN/A
OCF growth 5YN/A
NUVEEN CHURCHILL DIRECT LEND / NCDL FAQ
What is the ChartMill fundamental rating of NUVEEN CHURCHILL DIRECT LEND (NCDL) stock?
ChartMill assigns a fundamental rating of 5 / 10 to NCDL.
What is the valuation status for NCDL stock?
ChartMill assigns a valuation rating of 7 / 10 to NUVEEN CHURCHILL DIRECT LEND (NCDL). This can be considered as Undervalued.
What is the profitability of NCDL stock?
NUVEEN CHURCHILL DIRECT LEND (NCDL) has a profitability rating of 6 / 10.
What are the PE and PB ratios of NUVEEN CHURCHILL DIRECT LEND (NCDL) stock?
The Price/Earnings (PE) ratio for NUVEEN CHURCHILL DIRECT LEND (NCDL) is 7.03 and the Price/Book (PB) ratio is 0.78.
What is the earnings growth outlook for NUVEEN CHURCHILL DIRECT LEND?
The Earnings per Share (EPS) of NUVEEN CHURCHILL DIRECT LEND (NCDL) is expected to decline by -16.87% in the next year.