DTF

BEARISH

$11.44 Live

DTF Tax-Free Income 2028 Term Fund Inc. · NYSE

$11.09 52W Range $11.6

DTF DTF Tax-Free Income 2028 Term Fund Inc. - Fundamental Analysis

BEARISH

Console Chart News

DTF Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Asset Management

Current Price Live

$11.44

52W High

$11.6

52W Low

$11.09

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 26, 2026

Market cap

$80.42M

P/E

34.67

ROE

2.7%

Profit margin

84.9%

Debt/Equity

N/A

Dividend yield

3.41%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

DTF exhibits a stable Piotroski F-Score of 6/9, but this is overshadowed by significant valuation and sustainability concerns. The stock is currently trading at $11.44, a notable premium over its Graham Number ($9.49) and Intrinsic Value ($9.74). Most critically, the dividend payout ratio of 118.18% indicates that the fund is returning more capital than it earns, which is unsustainable. Combined with a 0/100 technical trend and negative revenue growth, the outlook is poor despite the high profit margins typical of asset management.

Key Strengths

Stable Piotroski F-Score (6/9) indicating decent operational health

Strong liquidity with a Current Ratio of 2.91

Trading slightly below book value (P/B 0.94)

Extremely high profit margins (84.85%)

Recent 1-year price appreciation of 6.0%

Key Risks

Unsustainable dividend payout ratio (118.18%)

Trading at a premium to both Graham and Intrinsic value estimates

Negative year-over-year revenue growth (-5.20%)

Bearish technical trend (0/100 score)

Low Return on Equity (2.74%) relative to the sector

AI Fair Value Estimate

Based on comprehensive analysis

$9.62

-15.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Underperform

Key drivers: Dividend insolvency, Overvaluation relative to deterministic baselines, Negative revenue growth

Confidence

90%

Value

40/100

Ref P/E 34.67, Graham Number $9.49

Positives

P/B ratio under 1.0

Watchpoints

Price exceeds Graham Number by ~20%
Price exceeds Intrinsic Value by ~17%

Future

30/100

Ref Growth rates

Positives

Strong earnings growth (63.8%)

Watchpoints

Declining revenue growth (-5.2%)
Term fund structure limits long-term growth horizon

Past

50/100

Ref Historical trends

Positives

Positive 1Y and 6M returns

Watchpoints

Negative 5Y change (-6.6%)

Health

65/100

Ref Piotroski F-Score

Positives

Piotroski F-Score of 6/9
High current ratio

Watchpoints

Low ROE (2.74%)

Dividend

15/100

Ref Yield 3.41%, Payout 118.18%

Positives

Consistent yield of 3.41%

Watchpoints

Payout ratio > 100% indicates capital erosion

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$11.44

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for DTF and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
DTF DTF Tax-Free Income 2028 Term Fund Inc. Primary	-6.6%	+15.5%	+6.0%	+2.7%	+1.2%	+0.1%
AMTD AMTD IDEA Group Peer	-97.4%	-80.3%	-0.1%	-3.4%	-0.5%	-1.0%
NCTY The9 Limited Peer	-97.4%	-54.0%	-48.3%	-44.3%	-13.1%	-2.7%
PFX PhenixFIN Corporation Peer	+28.1%	+22.9%	-18.8%	-8.8%	-2.4%	+1.0%
BOTJ Bank of the James Financial Group, Inc. Peer	+68.8%	+56.9%	+39.0%	+33.3%	-3.0%	-1.2%

DTF

DTF Tax-Free Income 2028 Term Fund Inc.

Primary

-6.6%

+15.5%

+6.0%

+2.7%

+1.2%

+0.1%

AMT

AMTD IDEA Group

Peer

-97.4%

-80.3%

-0.1%

-3.4%

-0.5%

-1.0%

NCT

The9 Limited

Peer

-97.4%

-54.0%

-48.3%

-44.3%

-13.1%

-2.7%

PFX

PhenixFIN Corporation

Peer

+28.1%

+22.9%

-18.8%

-8.8%

-2.4%

+1.0%

BOT

Bank of the James Financial Group, Inc.

Peer

+68.8%

+56.9%

+39.0%

+33.3%

-3.0%

-1.2%

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

34.67

N/A

0.94

29.15

27.47

N/A

$80.42M

Profitability

Profit margins and return metrics

Profit Margin 84.85%

Operating Margin 66.62%

Gross Margin 100.0%

ROE 2.74%

ROA 1.3%

Growth

Revenue and earnings growth rates

Revenue Growth -5.2%

Earnings Growth +63.8%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth +63.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

2.91

Strong

Quick Ratio

2.91

Excellent

Cash/Share

$0.66

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Total Assets

$0.1B

Liabilities

$0.0B

Equity

$0.1B

Debt/Equity

0.02x

Financial Services Sector Comparison

Comparing DTF against 697 companies in the Financial Services sector (120 bullish, 285 neutral, 292 bearish)

P/E Ratio

34.67

This Stock

38.65

Sector Avg

-10.3% (Discount)

Return on Equity (ROE)

2.74%

This Stock

-2.77%

Sector Avg

-199.0% (Below Avg)

Profit Margin

84.85%

This Stock

60.34%

Sector Avg

+40.6% (Superior)

Revenue Growth

-5.2%

This Stock

39.95%

Sector Avg

-113.0% (Slower)

Current Ratio

2.91

This Stock

3.42

Sector Avg

-15.1% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
DTF DTF Tax-Free Income 2028...	BEARISH	$80.42M	34.67	2.7%	84.9%	$11.44
AMTD AMTD IDEA Group	NEUTRAL	$81.04M	-	5.1%	45.0%	$1.01	Compare
NCTY The9 Limited	BEARISH	$81.37M	-	-38.2%	-174.5%	$5.38	Compare
PFX PhenixFIN Corporation	BEARISH	$82.09M	-	-1.9%	-12.0%	$41.08	Compare
BOTJ Bank of the James...	NEUTRAL	$82.33M	10.35	10.9%	16.6%	$18.12	Compare

DTF DTF Tax-Free...

BEARISH

Mkt Cap

$80M

P/E

34.7

ROE

2.7%

Price

$11.44

Compare with DTF

Compare with DTF

PFX PhenixFIN Corporation

Compare with DTF

Compare with DTF

Past News Coverage

Recent headlines mentioning DTF from our newsroom.

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DTF

DTF DTF Tax-Free Income 2028 Term Fund Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Financial Services Sector Comparison

Similar Companies

Past News Coverage

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