NUVEEN CHURCHILL DIRECT LEND (NCDL) Fundamental Analysis & Valuation

NYSE:NCDL • US67090S1087

Current stock price

13.35 USD
+0.2 (+1.52%)
At close:
13.35 USD
0 (0%)
After Hours:

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

5

1. NCDL Profitability Analysis

1.1 Basic Checks

  • NCDL had positive earnings in the past year.
  • In the past year NCDL had a positive cash flow from operations.
  • Each year in the past 5 years NCDL has been profitable.
  • NCDL had negative operating cash flow in 4 of the past 5 years.
NCDL Yearly Net Income VS EBIT VS OCF VS FCFNCDL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.19%, NCDL is in line with its industry, outperforming 53.56% of the companies in the same industry.
  • NCDL has a Return On Equity (7.50%) which is comparable to the rest of the industry.
  • NCDL has a Return On Invested Capital of 3.65%. This is comparable to the rest of the industry: NCDL outperforms 51.46% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NCDL is below the industry average of 7.24%.
Industry RankSector Rank
ROA 3.19%
ROE 7.5%
ROIC 3.65%
ROA(3y)4.34%
ROA(5y)3.54%
ROE(3y)9.88%
ROE(5y)8.04%
ROIC(3y)4.14%
ROIC(5y)3.52%
NCDL Yearly ROA, ROE, ROICNCDL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • NCDL has a better Profit Margin (31.57%) than 77.82% of its industry peers.
  • In the last couple of years the Profit Margin of NCDL has grown nicely.
  • NCDL's Operating Margin of 44.20% is amongst the best of the industry. NCDL outperforms 80.33% of its industry peers.
  • NCDL's Operating Margin has been stable in the last couple of years.
  • NCDL's Gross Margin of 47.53% is in line compared to the rest of the industry. NCDL outperforms 55.23% of its industry peers.
  • NCDL's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 44.2%
PM (TTM) 31.57%
GM 47.53%
OM growth 3Y-6.86%
OM growth 5Y0.32%
PM growth 3Y14.62%
PM growth 5Y14.38%
GM growth 3Y-6.95%
GM growth 5Y-0.92%
NCDL Yearly Profit, Operating, Gross MarginsNCDL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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2

2. NCDL Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for NCDL has been reduced compared to 1 year ago.
  • NCDL has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for NCDL is higher compared to a year ago.
NCDL Yearly Shares OutstandingNCDL Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
NCDL Yearly Total Debt VS Total AssetsNCDL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of 0.54, we must say that NCDL is in the distress zone and has some risk of bankruptcy.
  • NCDL has a Altman-Z score of 0.54. This is comparable to the rest of the industry: NCDL outperforms 41.00% of its industry peers.
  • The Debt to FCF ratio of NCDL is 5.74, which is a neutral value as it means it would take NCDL, 5.74 years of fcf income to pay off all of its debts.
  • NCDL has a better Debt to FCF ratio (5.74) than 65.27% of its industry peers.
  • NCDL has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
  • NCDL has a Debt to Equity ratio of 1.27. This is in the lower half of the industry: NCDL underperforms 64.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.27
Debt/FCF 5.74
Altman-Z 0.54
ROIC/WACCN/A
WACCN/A
NCDL Yearly LT Debt VS Equity VS FCFNCDL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

  • NCDL has a Current Ratio of 0.98. This is a bad value and indicates that NCDL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NCDL has a Current ratio (0.98) which is comparable to the rest of the industry.
  • A Quick Ratio of 0.98 indicates that NCDL may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.98, NCDL is in line with its industry, outperforming 42.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
NCDL Yearly Current Assets VS Current LiabilitesNCDL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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

3

3. NCDL Growth Analysis

3.1 Past

  • NCDL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.70%.
  • The Earnings Per Share has been growing by 92.01% on average over the past years. This is a very strong growth
  • The Revenue has decreased by -7.22% in the past year.
  • Measured over the past years, NCDL shows a very strong growth in Revenue. The Revenue has been growing by 73.29% on average per year.
EPS 1Y (TTM)-17.7%
EPS 3Y59.76%
EPS 5Y92.01%
EPS Q2Q%-20%
Revenue 1Y (TTM)-7.22%
Revenue growth 3Y36.1%
Revenue growth 5Y73.29%
Sales Q2Q%-5.73%

3.2 Future

  • Based on estimates for the next years, NCDL will show a decrease in Earnings Per Share. The EPS will decrease by -9.00% on average per year.
  • Based on estimates for the next years, NCDL will show a very negative growth in Revenue. The Revenue will decrease by -11.07% on average per year.
EPS Next Y-10.34%
EPS Next 2Y-9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.95%
Revenue Next 2Y-8.45%
Revenue Next 3Y-11.07%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NCDL Yearly Revenue VS EstimatesNCDL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M 200M
NCDL Yearly EPS VS EstimatesNCDL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. NCDL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.18, the valuation of NCDL can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of NCDL indicates a rather cheap valuation: NCDL is cheaper than 82.43% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of NCDL to the average of the S&P500 Index (26.21), we can say NCDL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.01 indicates a reasonable valuation of NCDL.
  • 81.17% 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 23.10, NCDL is valued rather cheaply.
Industry RankSector Rank
PE 7.18
Fwd PE 8.01
NCDL Price Earnings VS Forward Price EarningsNCDL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NCDL is valued cheaply inside the industry as 88.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.4
EV/EBITDA N/A
NCDL Per share dataNCDL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as NCDL's earnings are expected to decrease with -9.00% in the coming years.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y-9%
EPS Next 3YN/A

More info and screens

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

4

5. NCDL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.36%, NCDL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.90, NCDL pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, NCDL pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.36%

5.2 History

  • NCDL 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 Years0
Div Non Decr Years0
NCDL Yearly Dividends per shareNCDL Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

DPN/A
EPS Next 2Y-9%
EPS Next 3YN/A
NCDL Yearly Income VS Free CF VS DividendNCDL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M

More info and screens

Find the best dividend stocksShow peers with best dividend

NCDL Fundamentals: All Metrics, Ratios and Statistics

NUVEEN CHURCHILL DIRECT LEND

NYSE:NCDL (4/8/2026, 4:15:00 PM)

After market: 13.35 0 (0%)

13.35

+0.2 (+1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners31.64%
Inst Owner Change0%
Ins Owners0.64%
Ins Owner Change0.06%
Market Cap659.36M
Revenue(TTM)207.86M
Net Income(TTM)65.61M
Analysts78.33
Price Target15.3 (14.61%)
Short Float %1.61%
Short Ratio2.66
Dividend
Industry RankSector Rank
Dividend Yield 13.36%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.32%
Max EPS beat(2)0.79%
EPS beat(4)1
Avg EPS beat(4)-3.99%
Min EPS beat(4)-7.76%
Max EPS beat(4)0.79%
EPS beat(8)2
Avg EPS beat(8)-2.73%
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)-2.79%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-1.01%
Revenue beat(4)0
Avg Revenue beat(4)-4.01%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)-1.01%
Revenue beat(8)1
Avg Revenue beat(8)-4.24%
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)-4.26%
PT rev (3m)-6.49%
EPS NQ rev (1m)1.19%
EPS NQ rev (3m)1.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)0.05%
Valuation
Industry RankSector Rank
PE 7.18
Fwd PE 8.01
P/S 3.17
P/FCF 3.4
P/OCF 3.4
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.86
EY13.93%
EPS(NY)1.67
Fwd EY12.49%
FCF(TTM)3.93
FCFY29.45%
OCF(TTM)3.93
OCFY29.45%
SpS4.21
BVpS17.72
TBVpS17.72
PEG (NY)N/A
PEG (5Y)0.08
Graham Number27.23
Profitability
Industry RankSector Rank
ROA 3.19%
ROE 7.5%
ROCE 4.62%
ROIC 3.65%
ROICexc 3.76%
ROICexgc 3.79%
OM 44.2%
PM (TTM) 31.57%
GM 47.53%
FCFM 93.41%
ROA(3y)4.34%
ROA(5y)3.54%
ROE(3y)9.88%
ROE(5y)8.04%
ROIC(3y)4.14%
ROIC(5y)3.52%
ROICexc(3y)4.27%
ROICexc(5y)3.63%
ROICexgc(3y)4.28%
ROICexgc(5y)3.64%
ROCE(3y)5.24%
ROCE(5y)4.45%
ROICexgc growth 3Y8.09%
ROICexgc growth 5Y22.56%
ROICexc growth 3Y7.8%
ROICexc growth 5Y22.38%
OM growth 3Y-6.86%
OM growth 5Y0.32%
PM growth 3Y14.62%
PM growth 5Y14.38%
GM growth 3Y-6.95%
GM growth 5Y-0.92%
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.27
Debt/FCF 5.74
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.28
Cash Conversion N/A
Profit Quality 295.91%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 0.54
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)-17.7%
EPS 3Y59.76%
EPS 5Y92.01%
EPS Q2Q%-20%
EPS Next Y-10.34%
EPS Next 2Y-9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.22%
Revenue growth 3Y36.1%
Revenue growth 5Y73.29%
Sales Q2Q%-5.73%
Revenue Next Year-11.95%
Revenue Next 2Y-8.45%
Revenue Next 3Y-11.07%
Revenue Next 5YN/A
EBIT growth 1Y-25.63%
EBIT growth 3Y26.77%
EBIT growth 5Y73.83%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y165.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y165.33%
OCF growth 3YN/A
OCF growth 5YN/A

NUVEEN CHURCHILL DIRECT LEND / NCDL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NUVEEN CHURCHILL DIRECT LEND (NCDL) stock?

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


What is the valuation status for NCDL stock?

ChartMill assigns a valuation rating of 6 / 10 to NUVEEN CHURCHILL DIRECT LEND (NCDL). This can be considered as Fairly Valued.


How profitable is NUVEEN CHURCHILL DIRECT LEND (NCDL) stock?

NUVEEN CHURCHILL DIRECT LEND (NCDL) has a profitability rating of 5 / 10.


What is the financial health of NUVEEN CHURCHILL DIRECT LEND (NCDL) stock?

The financial health rating of NUVEEN CHURCHILL DIRECT LEND (NCDL) is 2 / 10.