NUVEEN CHURCHILL DIRECT LEND (NCDL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:NCDL • US67090S1087

13.61 USD
+0.3 (+2.25%)
Last: Feb 6, 2026, 01:53 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NCDL. NCDL was compared to 238 industry peers in the Capital Markets industry. NCDL has a medium profitability rating, but doesn't score so well on its financial health evaluation. NCDL is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year NCDL was profitable.
  • NCDL had a positive operating cash flow in the past year.
  • In the past 5 years NCDL has always been profitable.
  • In the past 5 years NCDL always reported negative operating cash flow.
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 0 100M -100M -200M -300M -400M

1.2 Ratios

  • NCDL has a Return On Assets of 3.88%. This is comparable to the rest of the industry: NCDL outperforms 59.66% of its industry peers.
  • NCDL's Return On Equity of 8.98% is in line compared to the rest of the industry. NCDL outperforms 52.94% of its industry peers.
  • NCDL's Return On Invested Capital of 4.11% is in line compared to the rest of the industry. NCDL outperforms 59.66% of its industry peers.
  • NCDL had an Average Return On Invested Capital over the past 3 years of 3.88%. This is below the industry average of 7.28%.
  • The 3 year average ROIC (3.88%) for NCDL is below the current ROIC(4.11%), indicating increased profibility in the last year.
Industry RankSector 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%
NCDL Yearly ROA, ROE, ROICNCDL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • NCDL has a Profit Margin of 36.83%. This is amongst the best in the industry. NCDL outperforms 83.19% of its industry peers.
  • In the last couple of years the Profit Margin of NCDL has grown nicely.
  • NCDL has a better Operating Margin (48.11%) than 85.29% of its industry peers.
  • In the last couple of years the Operating Margin of NCDL has grown nicely.
  • NCDL's Gross Margin of 48.15% is in line compared to the rest of the industry. NCDL outperforms 55.88% of its industry peers.
  • In the last couple of years the Gross Margin of NCDL has remained more or less at the same level.
Industry RankSector 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%
NCDL Yearly Profit, Operating, Gross MarginsNCDL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, NCDL has less shares outstanding
  • 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.
NCDL Yearly Shares OutstandingNCDL Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B

2.2 Solvency

  • NCDL has an Altman-Z score of 0.57. 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 (0.57) which is in line with its industry peers.
  • 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.
  • NCDL has a better Debt to FCF ratio (6.23) 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.
  • 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 63.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.25
Debt/FCF 6.23
Altman-Z 0.57
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 0 500M 1B

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.
  • NCDL's Current ratio of 0.86 is on the low side compared to the rest of the industry. NCDL is outperformed by 62.18% of its industry peers.
  • NCDL has a Quick 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 Quick ratio value of 0.86, NCDL is not doing good in the industry: 61.76% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
NCDL Yearly Current Assets VS Current LiabilitesNCDL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

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

3

3. Growth

3.1 Past

  • NCDL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.88%.
  • 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.
  • NCDL shows a decrease in Revenue. In the last year, the revenue decreased by -0.47%.
  • Measured over the past years, NCDL shows a very strong growth in Revenue. The Revenue has been growing by 70.84% on average per year.
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 -11.55% yearly.
  • Based on estimates for the next years, NCDL will show a decrease in Revenue. The Revenue will decrease by -8.47% on average per year.
EPS Next Y-16.87%
EPS Next 2Y-14.02%
EPS Next 3Y-11.55%
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.
  • 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 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.91, the valuation of NCDL can be described as very cheap.
  • NCDL's Price/Earnings ratio is rather cheap when compared to the industry. NCDL is cheaper than 81.93% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of NCDL to the average of the S&P500 Index (27.67), we can say NCDL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.15, which indicates a very decent valuation of NCDL.
  • Based on the Price/Forward Earnings ratio, NCDL is valued cheaper than 82.35% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. NCDL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.91
Fwd PE 8.15
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

  • 88.66% of the companies in the same industry are more expensive than NCDL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.79
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

  • NCDL has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as NCDL's earnings are expected to decrease with -11.55% in the coming years.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-14.02%
EPS Next 3Y-11.55%

More info and screens

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

4

5. Dividend

5.1 Amount

  • NCDL has a Yearly Dividend Yield of 14.07%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.03, NCDL pays a better dividend. On top of this NCDL pays more dividend than 88.24% of the companies listed in the same industry.
  • NCDL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 14.07%

5.2 History

  • NCDL does not have a reliable dividend history as it only pays dividend since a couple or years.
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 0.5 1 1.5 2

5.3 Sustainability

DPN/A
EPS Next 2Y-14.02%
EPS Next 3Y-11.55%
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 0 100M -100M -200M -300M -400M

More info and screens

Find the best dividend stocksShow peers with best dividend

NUVEEN CHURCHILL DIRECT LEND

NYSE:NCDL (2/6/2026, 1:53:01 PM)

13.61

+0.3 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-04
Earnings (Next)02-26
Inst Owners27.42%
Inst Owner Change-9.57%
Ins Owners0.64%
Ins Owner Change0%
Market Cap672.20M
Revenue(TTM)214.90M
Net Income(TTM)79.15M
Analysts78.33
Price Target16.32 (19.91%)
Short Float %1.05%
Short Ratio1.63
Dividend
Industry RankSector Rank
Dividend Yield 14.07%
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)-0.26%
PT rev (3m)-3.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.46%
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 RankSector Rank
PE 6.91
Fwd PE 8.15
P/S 3.13
P/FCF 3.79
P/OCF 3.79
P/B 0.76
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)1.97
EY14.47%
EPS(NY)1.67
Fwd EY12.28%
FCF(TTM)3.6
FCFY26.42%
OCF(TTM)3.6
OCFY26.42%
SpS4.35
BVpS17.85
TBVpS17.85
PEG (NY)N/A
PEG (5Y)0.09
Graham Number28.13
Profitability
Industry RankSector 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 RankSector 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 0.57
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-14.02%
EPS Next 3Y-11.55%
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 6.91 and the Price/Book (PB) ratio is 0.76.


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.