NUVEEN CHURCHILL DIRECT LEND (NCDL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NCDL - US67090S1087 - Common Stock
14.82 USD
+0.12 (+0.82%)
We assign a fundamental rating of 5 out of 10 to NCDL. NCDL was compared to 237 industry peers in the Capital Markets industry. While NCDL is still in line with the averages on profitability rating, there are concerns on its financial health. NCDL is cheap, but on the other hand it scores bad on growth.
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.
In the past 5 years NCDL always reported negative operating cash flow.
1.2 Ratios
NCDL's Return On Assets of 3.88% is fine compared to the rest of the industry. NCDL outperforms 61.60% of its industry peers.
The Return On Equity of NCDL (8.98%) is comparable to the rest of the industry.
NCDL has a Return On Invested Capital of 4.11%. This is in the better half of the industry: NCDL outperforms 60.76% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NCDL is below the industry average of 6.96%.
The last Return On Invested Capital (4.11%) for NCDL is above the 3 year average (3.88%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 36.83%, NCDL belongs to the top of the industry, outperforming 81.86% of the companies in the same industry.
NCDL's Profit Margin has improved in the last couple of years.
NCDL has a better Operating Margin (48.11%) than 85.65% of its industry peers.
In the last couple of years the Operating Margin of NCDL has grown nicely.
The Gross Margin of NCDL (48.15%) is comparable to the rest of the industry.
NCDL's Gross Margin has been stable in the last couple of years.
| 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
The number of shares outstanding for NCDL has been reduced compared to 1 year ago.
The number of shares outstanding for NCDL has been reduced compared to 5 years ago.
NCDL has a better debt/assets ratio than last year.
2.2 Solvency
NCDL has an Altman-Z score of 0.61. This is a bad value and indicates that NCDL is not financially healthy and even has some risk of bankruptcy.
NCDL has a Altman-Z score (0.61) which is comparable to the rest of the industry.
The Debt to FCF ratio of NCDL is 6.23, which is on the high side as it means it would take NCDL, 6.23 years of fcf income to pay off all of its debts.
NCDL has a better Debt to FCF ratio (6.23) than 67.93% of its industry peers.
NCDL has a Debt/Equity ratio of 1.25. This is a high value indicating a heavy dependency on external financing.
NCDL's Debt to Equity ratio of 1.25 is on the low side compared to the rest of the industry. NCDL is outperformed by 62.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 6.23 | ||
| Altman-Z | 0.61 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.86 indicates that NCDL may have some problems paying its short term obligations.
NCDL's Current ratio of 0.86 is on the low side compared to the rest of the industry. NCDL is outperformed by 63.71% of its industry peers.
A Quick Ratio of 0.86 indicates that NCDL may have some problems paying its short term obligations.
NCDL has a worse Quick ratio (0.86) than 63.29% 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.
NCDL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 75.26% yearly.
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
NCDL is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.36% yearly.
Based on estimates for the next years, NCDL will show a decrease in Revenue. The Revenue will decrease by -7.76% on average per year.
EPS Next Y-15.3%
EPS Next 2Y-12.24%
EPS Next 3Y-11.36%
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.
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
NCDL is valuated cheaply with a Price/Earnings ratio of 7.52.
NCDL's Price/Earnings ratio is rather cheap when compared to the industry. NCDL is cheaper than 85.23% of the companies in the same industry.
NCDL is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.51 indicates a reasonable valuation of NCDL.
NCDL's Price/Forward Earnings ratio is rather cheap when compared to the industry. NCDL is cheaper than 81.86% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NCDL to the average of the S&P500 Index (36.59), we can say NCDL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NCDL is valued cheaply inside the industry as 86.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.12 | ||
| 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 -11.36% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y-12.24%
EPS Next 3Y-11.36%
5. Dividend
5.1 Amount
NCDL has a Yearly Dividend Yield of 13.31%, which is a nice return.
NCDL's Dividend Yield is rather good when compared to the industry average which is at 8.60. NCDL pays more dividend than 80.17% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, NCDL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.31% |
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-12.24%
EPS Next 3Y-11.36%
NYSE:NCDL (11/28/2025, 5:04:00 PM)
14.82
+0.12 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners52.66%
Inst Owner Change-1.51%
Ins Owners0.64%
Ins Owner Change0.07%
Market Cap731.96M
Revenue(TTM)214.90M
Net Income(TTM)79.15M
Analysts78.33
Price Target16.36 (10.39%)
Short Float %0.92%
Short Ratio1.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.31% |
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)-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)-5.17%
PT rev (3m)-5.64%
EPS NQ rev (1m)-2.44%
EPS NQ rev (3m)-2.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)-4.9%
Revenue NQ rev (3m)-6.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 8.51 | ||
| P/S | 3.41 | ||
| P/FCF | 4.12 | ||
| P/OCF | 4.12 | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.97
EY13.29%
EPS(NY)1.74
Fwd EY11.75%
FCF(TTM)3.6
FCFY24.26%
OCF(TTM)3.6
OCFY24.26%
SpS4.35
BVpS17.85
TBVpS17.85
PEG (NY)N/A
PEG (5Y)0.1
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 | 0.61 |
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)-16.88%
EPS 3Y62.6%
EPS 5Y75.26%
EPS Q2Q%-25.86%
EPS Next Y-15.3%
EPS Next 2Y-12.24%
EPS Next 3Y-11.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.47%
Revenue growth 3Y83.45%
Revenue growth 5Y70.84%
Sales Q2Q%-15.22%
Revenue Next Year-6.29%
Revenue Next 2Y-5.64%
Revenue Next 3Y-7.76%
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.
Can you provide the valuation status for NUVEEN CHURCHILL DIRECT LEND?
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 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.