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BCSF vs V

BCSF
Bain Capital Specialty Finance, Inc.
BEARISH
Price
$13.64
Market Cap
$884.8M
Sector
Financial Services
AI Confidence
78%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BCSF
9.47
V
28.35
Forward P/E
BCSF
8.25
V
20.79
P/B Ratio
BCSF
0.78
V
15.09
P/S Ratio
BCSF
3.18
V
14.08
EV/EBITDA
BCSF
--
V
20.06

Profitability

Gross Margin
BCSF
100.0%
V
97.78%
Operating Margin
BCSF
74.87%
V
68.3%
Profit Margin
BCSF
33.45%
V
50.23%
ROE
BCSF
8.19%
V
53.95%
ROA
BCSF
5.03%
V
18.36%

Growth

Revenue Growth
BCSF
-7.4%
V
14.6%
Earnings Growth
BCSF
-43.5%
V
17.4%

Financial Health

Debt/Equity
BCSF
1.33
V
0.55
Current Ratio
BCSF
1.96
V
1.11
Quick Ratio
BCSF
1.54
V
0.72

Dividends

Dividend Yield
BCSF
12.25%
V
0.89%
Payout Ratio
BCSF
116.67%
V
22.91%

AI Verdict

BCSF BEARISH

The deterministic health scores paint a concerning picture, with a Piotroski F-Score of just 2/9 indicating weak financial health, and the absence of an Altman Z-Score prevents a full solvency assessment but raises transparency concerns. Despite a high dividend yield of 12.25%, the payout ratio of 116.67% is unsustainable, and declining earnings (YoY EPS down 15.1%) undermine profitability. Valuation appears cheap on P/E (9.47) and P/B (0.78) but this reflects fundamental deterioration rather than value opportunity. Technical trend is deeply bearish (0/100), and insider sentiment is weak at 40/100, reinforcing negative momentum.

Strengths
High dividend yield of 12.25% offers attractive income potential
Low Price/Book ratio of 0.78 suggests possible undervaluation relative to book value
Strong profitability margins: 33.45% profit margin and 74.87% operating margin
Risks
Piotroski F-Score of 2/9 signals severe financial weakness and high risk of distress
Earnings and revenue declining sharply: YoY earnings down 43.5%, revenue down 7.4%
Dividend payout ratio of 116.67% is unsustainable and likely to be cut
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BCSF vs V: Head-to-Head Comparison

This page compares Bain Capital Specialty Finance, Inc. (BCSF) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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