BTZ BlackRock Credit Allocation Income Trust - Fundamental Analysis
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BTZ Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Asset Management
Current Price
Live
$10.57
52W High
$11.18
52W Low
$9.54
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$986.44M
P/E
9.61
ROE
9.8%
Profit margin
99.8%
Debt/Equity
0.55
Dividend yield
9.5%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
BTZ exhibits a stable financial health with a Piotroski F-Score of 6/9, indicating moderate strength, though the absence of an Altman Z-Score limits distress risk assessment. The stock appears undervalued relative to the Graham Number of $16.77 and intrinsic value of $32.45, trading at $10.57, but weak technical trends and declining revenue raise concerns. Exceptionally high profit margins and a 9.5% dividend yield are offset by a high payout ratio and deteriorating liquidity metrics. Relative to peers, BTZ has a lower P/E and higher yield but lags in revenue growth, warranting caution despite apparent value.
Key Strengths
Piotroski F-Score of 6/9 indicates stable financial health
Current price of $10.57 is significantly below Graham Number ($16.77) and Intrinsic Value ($32.45), suggesting undervaluation
High dividend yield of 9.50% offers strong income appeal
Profitability metrics are robust: 99.8% profit margin, 89.59% operating margin, and 100% gross margin
Debt/Equity of 0.55 is below sector average of 1.53, indicating conservative leverage
Key Risks
Technical Trend score of 0/100 signals strong bearish momentum
Current Ratio (0.06) and Quick Ratio (0.04) are critically low, indicating severe short-term liquidity risk
Revenue Growth (YoY) is negative at -6.80%, contrasting with sector average of 31.80%
Payout Ratio of 91.53% is high, threatening dividend sustainability despite current strength score
Missing analyst coverage (no target price, no recommendation) reduces external validation of valuation
AI Fair Value Estimate
Based on comprehensive analysis
$16.77
+58.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
85
40
55
50
60
AI Verdict
Neutral with value appeal but significant operational and technical concerns
Key drivers: Undervaluation relative to Graham Number, Stable Piotroski score, High dividend yield, Deteriorating revenue, Critical liquidity ratios
Confidence
70%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 9.61 well below sector average of 30.91
- Price/Book of 0.93 suggests asset-based undervaluation
- Trading below Graham Number ($16.77) by over 37%
Watchpoints
No urgent risks highlighted.
Future
40/100
Ref Growth rates
Positives
- Earnings Growth (YoY) of 246.00% is exceptionally strong
Watchpoints
- Revenue Growth (YoY) of -6.80% indicates top-line contraction
- No Forward P/E or PEG data available, limiting forward outlook
Past
55/100
Ref Historical trends
Positives
- 1Y return of +9.4% and 3Y return of +27.0% show solid historical performance
Watchpoints
- 6M and 1M returns are flat to negative, suggesting recent underperformance
- No moving average data available for trend confirmation
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 6/9 indicates stable financial condition
- ROE of 9.77% is positive and exceeds sector average (-7.74%)
Watchpoints
- Current Ratio (0.06) and Quick Ratio (0.04) are dangerously low
- Altman Z-Score not available, creating blind spot in bankruptcy risk assessment
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend Yield of 9.50% is attractive in current rate environment
Watchpoints
- Payout Ratio of 91.53% is high, leaving little margin for earnings volatility
- Dividend Strength score of 40/100 suggests underlying risks to sustainability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$10.57
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BTZ and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BTZ
BlackRock Credit Allocation Income Trust
Primary
|
+10.0% | +27.0% | +9.4% | +0.8% | -1.4% | -0.1% |
|
BCX
Blackrock Resources & Commodities Strategy Trust
Peer
|
+111.1% | +48.6% | +46.8% | +32.6% | +13.7% | +5.3% |
|
BBN
BlackRock Taxable Municipal Bond Trust
Peer
|
-13.7% | +11.9% | +7.6% | +6.2% | -2.6% | -0.8% |
|
ABTC
American Bitcoin Corp
Peer
|
-100.0% | -98.8% | +7.2% | -86.8% | -9.6% | -4.6% |
|
BBDC
Barings BDC, Inc.
Peer
|
+71.2% | +50.1% | +5.0% | +1.6% | +3.4% | -0.8% |
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
9.61
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.93
P/S Ratio
9.54
EV/Revenue
15.23
EV/EBITDA
N/A
Market Cap
$986.44M
Profitability
Profit margins and return metrics
Profit Margin
99.8%
Operating Margin
89.59%
Gross Margin
100.0%
ROE
9.77%
ROA
3.31%
Growth
Revenue and earnings growth rates
Revenue Growth
-6.8%
Earnings Growth
+246.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+246.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.55
Moderate
Current Ratio
0.06
Weak
Quick Ratio
0.04
Poor
Cash/Share
$N/A
Financial Services Sector Comparison
Comparing BTZ against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
9.61
This Stock
vs
30.37
Sector Avg
-68.4%
(Discount)
Return on Equity (ROE)
9.77%
This Stock
vs
-7.62%
Sector Avg
-228.2%
(Below Avg)
Profit Margin
99.8%
This Stock
vs
82.75%
Sector Avg
+20.6%
(Superior)
Debt to Equity
0.55
This Stock
vs
1.48
Sector Avg
-62.4%
(Less Debt)
Revenue Growth
-6.8%
This Stock
vs
28.35%
Sector Avg
-124.0%
(Slower)
Current Ratio
0.06
This Stock
vs
3.81
Sector Avg
-98.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BTZ
BlackRock Credit...
|
NEUTRAL | $986.44M | 9.61 | 9.8% | 99.8% | $10.57 | |
|
BCX
Blackrock Resources &...
|
BEARISH | $972.72M | 23.04 | -% | -% | $12.44 | |
|
BBN
BlackRock Taxable...
|
BEARISH | $1.0B | 19.11 | -% | -% | $16.24 | |
|
ABTC
American Bitcoin Corp
|
BEARISH | $964.71M | - | -19.3% | -82.7% | $1.04 | |
|
BBDC
Barings BDC, Inc.
|
BEARISH | $962.2M | 9.63 | 8.6% | 36.0% | $9.15 |
Past News Coverage
Recent headlines mentioning BTZ from our newsroom.
Newest → oldest
No matching news yet.