NUVEEN CHURCHILL DIRECT LEND (NCDL) Stock Fundamental Analysis
USA - NYSE:NCDL - US67090S1087 - Common Stock
14.35 USD
-0.23 (-1.58%)
Taking everything into account, NCDL scores 5 out of 10 in our fundamental rating. NCDL was compared to 237 industry peers in the Capital Markets industry. NCDL scores excellent on profitability, but there are concerns on its financial health. NCDL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
NCDL had positive earnings in the past year.
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
The Return On Assets of NCDL (4.68%) is better than 67.09% of its industry peers.
NCDL's Return On Equity of 10.94% is fine compared to the rest of the industry. NCDL outperforms 62.87% of its industry peers.
NCDL's Return On Invested Capital of 4.45% is fine compared to the rest of the industry. NCDL outperforms 60.34% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NCDL is below the industry average of 7.63%.
The last Return On Invested Capital (4.45%) for NCDL is above the 3 year average (3.88%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.68% | ||
| ROE | 10.94% | ||
| ROIC | 4.45% |
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
NCDL has a Profit Margin of 43.35%. This is amongst the best in the industry. NCDL outperforms 85.65% of its industry peers.
NCDL's Profit Margin has improved in the last couple of years.
NCDL's Operating Margin of 50.38% is amongst the best of the industry. NCDL outperforms 85.65% of its industry peers.
NCDL's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 48.06%, NCDL is in line with its industry, outperforming 56.12% 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 | 50.38% | ||
| PM (TTM) | 43.35% | ||
| GM | 48.06% |
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
Compared to 1 year ago, NCDL has less shares outstanding
Compared to 5 years ago, NCDL has less shares outstanding
The debt/assets ratio for NCDL has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.61, we must say that NCDL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of NCDL (0.61) is worse than 60.76% of its industry peers.
NCDL has a debt to FCF ratio of 11.37. This is a negative value and a sign of low solvency as NCDL would need 11.37 years to pay back of all of its debts.
NCDL has a Debt to FCF ratio (11.37) which is in line with its industry peers.
NCDL has a Debt/Equity ratio of 1.26. This is a high value indicating a heavy dependency on external financing.
NCDL's Debt to Equity ratio of 1.26 is on the low side compared to the rest of the industry. NCDL is outperformed by 63.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.26 | ||
| Debt/FCF | 11.37 | ||
| Altman-Z | 0.61 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.63 indicates that NCDL may have some problems paying its short term obligations.
NCDL's Current ratio of 0.63 is on the low side compared to the rest of the industry. NCDL is outperformed by 72.57% of its industry peers.
A Quick Ratio of 0.63 indicates that NCDL may have some problems paying its short term obligations.
The Quick ratio of NCDL (0.63) is worse than 72.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
The earnings per share for NCDL have decreased by -0.69% in the last year.
The Earnings Per Share has been growing by 75.26% on average over the past years. This is a very strong growth
NCDL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.52%.
NCDL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 70.84% yearly.
EPS 1Y (TTM)-0.69%
EPS 3Y62.6%
EPS 5Y75.26%
EPS Q2Q%-19.3%
Revenue 1Y (TTM)13.52%
Revenue growth 3Y83.45%
Revenue growth 5Y70.84%
Sales Q2Q%-3.55%
3.2 Future
The Earnings Per Share is expected to decrease by -11.04% on average over the next years. This is quite bad
The Revenue is expected to decrease by -7.76% on average over the next years.
EPS Next Y-15.3%
EPS Next 2Y-12.02%
EPS Next 3Y-11.04%
EPS Next 5YN/A
Revenue Next Year-6.29%
Revenue Next 2Y-5.64%
Revenue Next 3Y-7.76%
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 6.77, the valuation of NCDL can be described as very cheap.
87.34% of the companies in the same industry are more expensive than NCDL, based on the Price/Earnings ratio.
NCDL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.
NCDL is valuated reasonably with a Price/Forward Earnings ratio of 8.20.
82.70% of the companies in the same industry are more expensive than NCDL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.27, NCDL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.77 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NCDL is valued a bit cheaper than 78.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NCDL has a very decent profitability rating, which may justify a higher PE ratio.
NCDL's earnings are expected to decrease with -11.04% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-12.02%
EPS Next 3Y-11.04%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 13.85%, NCDL is a good candidate for dividend investing.
NCDL's Dividend Yield is rather good when compared to the industry average which is at 8.50. NCDL pays more dividend than 87.76% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, NCDL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.85% |
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-12.02%
EPS Next 3Y-11.04%
NYSE:NCDL (11/4/2025, 8:04:00 PM)
14.35
-0.23 (-1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners52.66%
Inst Owner Change-0.19%
Ins Owners0.64%
Ins Owner Change0.07%
Market Cap708.75M
Revenue(TTM)224.07M
Net Income(TTM)97.13M
Analysts78.33
Price Target16.92 (17.91%)
Short Float %1.01%
Short Ratio2.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.85% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.21%
Min EPS beat(2)-7.76%
Max EPS beat(2)-2.67%
EPS beat(4)0
Avg EPS beat(4)-5.2%
Min EPS beat(4)-7.76%
Max EPS beat(4)-2.67%
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)-5.23%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)-4.26%
Revenue beat(4)1
Avg Revenue beat(4)-5.61%
Min Revenue beat(4)-12.42%
Max Revenue beat(4)0.45%
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)-1.97%
PT rev (3m)-1.49%
EPS NQ rev (1m)0.37%
EPS NQ rev (3m)-1.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.77 | ||
| Fwd PE | 8.2 | ||
| P/S | 3.16 | ||
| P/FCF | 7.23 | ||
| P/OCF | 7.23 | ||
| P/B | 0.8 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.12
EY14.77%
EPS(NY)1.75
Fwd EY12.19%
FCF(TTM)1.99
FCFY13.84%
OCF(TTM)1.99
OCFY13.84%
SpS4.54
BVpS17.97
TBVpS17.97
PEG (NY)N/A
PEG (5Y)0.09
Graham Number29.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.68% | ||
| ROE | 10.94% | ||
| ROCE | 5.64% | ||
| ROIC | 4.45% | ||
| ROICexc | 4.55% | ||
| ROICexgc | 4.6% | ||
| OM | 50.38% | ||
| PM (TTM) | 43.35% | ||
| GM | 48.06% | ||
| FCFM | 43.76% |
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 | 1.26 | ||
| Debt/FCF | 11.37 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.39 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.95% | ||
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 0.61 |
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)-0.69%
EPS 3Y62.6%
EPS 5Y75.26%
EPS Q2Q%-19.3%
EPS Next Y-15.3%
EPS Next 2Y-12.02%
EPS Next 3Y-11.04%
EPS Next 5YN/A
Revenue 1Y (TTM)13.52%
Revenue growth 3Y83.45%
Revenue growth 5Y70.84%
Sales Q2Q%-3.55%
Revenue Next Year-6.29%
Revenue Next 2Y-5.64%
Revenue Next 3Y-7.76%
Revenue Next 5YN/A
EBIT growth 1Y2.43%
EBIT growth 3Y79.02%
EBIT growth 5Y78.66%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y130.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y130.5%
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.
Can you provide the valuation status for NUVEEN CHURCHILL DIRECT LEND?
ChartMill assigns a valuation rating of 6 / 10 to NUVEEN CHURCHILL DIRECT LEND (NCDL). This can be considered as Fairly Valued.
What is the profitability of NCDL stock?
NUVEEN CHURCHILL DIRECT LEND (NCDL) has a profitability rating of 7 / 10.
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 -15.3% in the next year.