BCSF
BEARISH
$13.64
Live
Bain Capital Specialty Finance, Inc. · NYSE
Target $14.83
(+8.7%)
$13.07
52W Range
$19.02
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$884.81M
P/E
9.47
ROE
8.2%
Profit margin
33.5%
Debt/Equity
1.33
Dividend yield
12.25%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
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.
Key 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
Current and quick ratios above 1.5 indicate short-term liquidity strength
P/E ratio of 9.47 is significantly below sector average of 21.45, implying potential value
Key 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
Debt/Equity ratio of 1.33 is high, increasing leverage risk in rising rate environment
Missing key financial data (e.g., Altman Z-Score, ROIC, cash/debt figures) raises transparency and analytical uncertainty
AI Fair Value Estimate
Based on comprehensive analysis
$10.08
-26.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
34
Weak
58
24
36
22
30
AI Verdict
High risk, low quality, and deteriorating fundamentals outweigh income appeal.
Key drivers: Low Piotroski F-Score, Unsustainable dividend, Negative earnings growth, Missing Altman Z-Score, Bearish technical trend
Confidence
80%
Value
58/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 9.47 below sector average
- P/B of 0.78 suggests asset coverage
Watchpoints
- Graham Number ($23.74) significantly above current price ($13.64)
- Intrinsic value ($10.08) below market price implies overvaluation on growth basis
Future
24/100
Ref Growth rates
Positives
- Forward P/E of 8.25 suggests modest earnings recovery expectations
Watchpoints
- Revenue growth YoY: -7.40%
- Earnings growth YoY: -43.50%
- Q/Q EPS growth: -4.3%
Past
36/100
Ref Historical trends
Positives
- History of beating earnings estimates in recent quarters (2 of last 4)
Watchpoints
- Earnings surprise trend declining after strong 2022-2023 performance
- EPS peaked in mid-2023 and has trended downward since
Health
22/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current ratio of 1.96 and quick ratio of 1.54 indicate short-term liquidity
Watchpoints
- Piotroski F-Score of 2/9 indicates poor financial health
- No Altman Z-Score available — potential red flag
- Debt/Equity of 1.33 is elevated for financial services
Dividend
30/100
Ref Yield, Payout
Positives
- High dividend yield of 12.25%
Watchpoints
- Payout ratio of 116.67% exceeds earnings
- Dividend Strength score of 40/100 indicates high risk of cut
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.64
Analyst Target
$14.83
Upside/Downside
+8.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BCSF and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BCSF
Bain Capital Specialty Finance, Inc.
Primary
|
+85.8% | +51.4% | -11.6% | -3.0% | +0.8% | -0.8% |
|
HTD
John Hancock Tax-Advantaged Dividend Income Fund
Peer
|
+51.0% | +47.9% | +19.5% | +4.2% | +3.0% | -1.1% |
|
SLRC
SLR Investment Corp.
Peer
|
+45.0% | +49.8% | +15.5% | +20.5% | +13.0% | +7.5% |
|
BOW
Bowhead Specialty Holdings Inc.
Peer
|
+6.2% | +6.2% | -19.5% | -23.2% | -11.8% | +5.0% |
|
CPF
Central Pacific Financial Corp.
Peer
|
+57.6% | +156.5% | +36.8% | +17.7% | +6.6% | -2.4% |
BCS
Bain Capital Specialty Finance, Inc.
Primary
5Y
+85.8%
3Y
+51.4%
1Y
-11.6%
6M
-3.0%
1M
+0.8%
1W
-0.8%
HTD
John Hancock Tax-Advantaged Dividend Income Fund
Peer
5Y
+51.0%
3Y
+47.9%
1Y
+19.5%
6M
+4.2%
1M
+3.0%
1W
-1.1%
SLR
SLR Investment Corp.
Peer
5Y
+45.0%
3Y
+49.8%
1Y
+15.5%
6M
+20.5%
1M
+13.0%
1W
+7.5%
BOW
Bowhead Specialty Holdings Inc.
Peer
5Y
+6.2%
3Y
+6.2%
1Y
-19.5%
6M
-23.2%
1M
-11.8%
1W
+5.0%
CPF
Central Pacific Financial Corp.
Peer
5Y
+57.6%
3Y
+156.5%
1Y
+36.8%
6M
+17.7%
1M
+6.6%
1W
-2.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.47
Forward P/E
8.25
PEG Ratio
N/A
P/B Ratio
0.78
P/S Ratio
3.18
EV/Revenue
8.3
EV/EBITDA
N/A
Market Cap
$884.81M
Profitability
Profit margins and return metrics
Profit Margin
33.45%
Operating Margin
74.87%
Gross Margin
100.0%
ROE
8.19%
ROA
5.03%
Growth
Revenue and earnings growth rates
Revenue Growth
-7.4%
Earnings Growth
-43.5%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-43.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.33
Moderate
Current Ratio
1.96
Good
Quick Ratio
1.54
Excellent
Cash/Share
$1.07
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-26
$N/A
2025-11-10
$0.45
2025-08-05
$0.47
+6.8% surprise
2025-05-05
$0.5
+5.6% surprise
Financial Services Sector Comparison
Comparing BCSF against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
9.47
This Stock
vs
36.01
Sector Avg
-73.7%
(Discount)
Return on Equity (ROE)
8.19%
This Stock
vs
-0.73%
Sector Avg
-1217.0%
(Below Avg)
Profit Margin
33.45%
This Stock
vs
91.62%
Sector Avg
-63.5%
(Weaker)
Debt to Equity
1.33
This Stock
vs
1.36
Sector Avg
-2.4%
(Lower)
Revenue Growth
-7.4%
This Stock
vs
35.27%
Sector Avg
-121.0%
(Slower)
Current Ratio
1.96
This Stock
vs
3.18
Sector Avg
-38.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BCSF
Bain Capital Specialty...
|
BEARISH | $884.81M | 9.47 | 8.2% | 33.5% | $13.64 | |
|
HTD
John Hancock...
|
NEUTRAL | $888.28M | 8.41 | 11.7% | 148.1% | $25.07 | Compare |
|
SLRC
SLR Investment Corp.
|
NEUTRAL | $879.97M | 9.49 | 9.3% | 42.3% | $16.13 | Compare |
|
BOW
Bowhead Specialty Holdings Inc.
|
NEUTRAL | $879.28M | 16.0 | 13.2% | 10.1% | $25.28 | Compare |
|
CPF
Central Pacific Financial Corp.
|
BULLISH | $899.11M | 11.89 | 13.7% | 28.0% | $34.01 | Compare |
BCSF
Bain Capital...
BEARISH
Mkt Cap
$885M
P/E
9.5
ROE
8.2%
Price
$13.64
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
Wells Fargo
2026-01-07
Overweight
Equal-Weight
Keefe, Bruyette & Woods
2025-12-19
Market Perform
Outperform
Keefe, Bruyette & Woods
2025-11-13
Market Perform
Market Perform
Wells Fargo
2025-11-12
Overweight
Overweight
Past News Coverage
Recent headlines mentioning BCSF from our newsroom.
Newest → oldest
No matching news yet.