BTZ
NEUTRAL
$10.57
Live
BlackRock Credit Allocation Income Trust · NYSE
$9.54
52W Range
$11.18
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
AI-powered fundamental assessment
Confidence
65%
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% |
|
NBBK
NB Bancorp, Inc.
Peer
|
+58.5% | +58.5% | +33.9% | +22.3% | +4.3% | -4.3% |
|
EMO
ClearBridge Energy Midstream Opportunity Fund Inc
Peer
|
+273.2% | +127.4% | +16.3% | +19.5% | -8.9% | +1.9% |
|
ESQ
Esquire Financial Holdings, Inc.
Peer
|
+419.6% | +227.2% | +53.9% | +11.0% | +16.5% | +5.9% |
|
CII
BlackRock Enhanced Large Cap Core Fund, Inc.
Peer
|
+88.5% | +85.0% | +55.4% | +14.8% | +11.6% | +2.0% |
BTZ
BlackRock Credit Allocation Income Trust
Primary
5Y
+10.0%
3Y
+27.0%
1Y
+9.4%
6M
+0.8%
1M
-1.4%
1W
-0.1%
NBB
NB Bancorp, Inc.
Peer
5Y
+58.5%
3Y
+58.5%
1Y
+33.9%
6M
+22.3%
1M
+4.3%
1W
-4.3%
EMO
ClearBridge Energy Midstream Opportunity Fund Inc
Peer
5Y
+273.2%
3Y
+127.4%
1Y
+16.3%
6M
+19.5%
1M
-8.9%
1W
+1.9%
ESQ
Esquire Financial Holdings, Inc.
Peer
5Y
+419.6%
3Y
+227.2%
1Y
+53.9%
6M
+11.0%
1M
+16.5%
1W
+5.9%
CII
BlackRock Enhanced Large Cap Core Fund, Inc.
Peer
5Y
+88.5%
3Y
+85.0%
1Y
+55.4%
6M
+14.8%
1M
+11.6%
1W
+2.0%
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 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
9.61
This Stock
vs
36.01
Sector Avg
-73.3%
(Discount)
Return on Equity (ROE)
9.77%
This Stock
vs
-0.73%
Sector Avg
-1433.7%
(Below Avg)
Profit Margin
99.8%
This Stock
vs
91.62%
Sector Avg
+8.9%
(Better)
Debt to Equity
0.55
This Stock
vs
1.36
Sector Avg
-59.2%
(Less Debt)
Revenue Growth
-6.8%
This Stock
vs
35.27%
Sector Avg
-119.3%
(Slower)
Current Ratio
0.06
This Stock
vs
3.18
Sector Avg
-98.2%
(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 | |
|
NBBK
NB Bancorp, Inc.
|
NEUTRAL | $984.38M | 16.11 | 6.2% | 24.1% | $21.59 | Compare |
|
EMO
ClearBridge Energy...
|
BEARISH | $980.92M | - | -% | -% | $49.01 | Compare |
|
ESQ
Esquire Financial Holdings, Inc.
|
BULLISH | $992.97M | 18.97 | 19.3% | 37.1% | $114.97 | Compare |
|
CII
BlackRock Enhanced Large...
|
BULLISH | $974.18M | 4.68 | 22.8% | 2542.4% | $23.77 | Compare |
BTZ
BlackRock Credit...
NEUTRAL
Mkt Cap
$986M
P/E
9.6
ROE
9.8%
Price
$10.57
Past News Coverage
Recent headlines mentioning BTZ from our newsroom.
Newest → oldest
No matching news yet.