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GBDC vs V

GBDC
Golub Capital BDC, Inc.
BEARISH
Price
$12.58
Market Cap
$3.31B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
GBDC
10.06
V
28.35
Forward P/E
GBDC
9.71
V
20.79
P/B Ratio
GBDC
0.85
V
15.09
P/S Ratio
GBDC
3.86
V
14.08
EV/EBITDA
GBDC
--
V
20.06

Profitability

Gross Margin
GBDC
100.0%
V
97.78%
Operating Margin
GBDC
78.29%
V
68.3%
Profit Margin
GBDC
38.57%
V
50.23%
ROE
GBDC
8.34%
V
53.95%
ROA
GBDC
4.7%
V
18.36%

Growth

Revenue Growth
GBDC
-6.2%
V
14.6%
Earnings Growth
GBDC
-41.2%
V
17.4%

Financial Health

Debt/Equity
GBDC
1.25
V
0.55
Current Ratio
GBDC
2.4
V
1.11
Quick Ratio
GBDC
1.64
V
0.72

Dividends

Dividend Yield
GBDC
11.92%
V
0.89%
Payout Ratio
GBDC
124.8%
V
22.91%

AI Verdict

GBDC BEARISH

GBDC presents as a classic value trap, characterized by a stable Piotroski F-Score of 4/9 but severely compromised by fundamental decay. While the stock trades at a discount to book value (P/B 0.85) and below its Graham Number ($20.43), these metrics are offset by a catastrophic earnings collapse (-41.20% YoY) and an unsustainable dividend payout ratio of 124.80%. The technical trend is completely bearish (0/100), and the company has failed to beat earnings estimates in the last four consecutive quarters, suggesting a systemic decline in portfolio performance.

Strengths
Trading at a discount to book value (P/B 0.85)
Strong operating margins (78.29%)
High current ratio (2.40) indicating short-term liquidity
Risks
Unsustainable payout ratio (124.80%) indicating dividend is not covered by earnings
Severe earnings contraction (-41.20% YoY)
Negative revenue growth (-6.20% YoY and -38.36% Q/Q)
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

GBDC vs V: Head-to-Head Comparison

This page compares Golub Capital BDC, Inc. (GBDC) 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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