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Bain Capital Specialty Finance, Inc.

BCSF

$11.17 ▼ -0.06 (-0.58%) at close

6 Visible periods

17 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Bain Capital Specialty Finance, Inc. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $724.1M

Dividend Yield —

Revenue Growth —

Op. Margin —

ROIC —

FCF / Share $0.46 ↗

Trailing P/E 7.3x

Price / Book 0.7x

FCF Yield 4.1%

Debt / Equity 1.32

info Valuation on last close. End-of-day price, Nov 5, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$98.76M

↓ -17.3% —

FCF / Share Free cash flow per share

$0.46

↑ +208.5% —

Long-Term Debt Long-term obligations

$1.47B

↑ +5.8% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

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Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
EPS Growth YoY (%)	-17.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-12.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	1228.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-17.3% Weak ↓ Weak Declining Year-over-year change in net income	-3.2% Weak ↓ Weak Declining Year-over-year change in net income	17.0% Good ↓ Good Declining Year-over-year change in net income	-12.0% Weak Weak Year-over-year change in net income	1347.3% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%)	N/M	N/M	N/M	N/M	169.9% Excellent Excellent Year-over-year change in free cash flow	—
EPS CAGR 3Y (%)	-2.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.2% Weak Weak Compound annual EPS growth over 3 years	138.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
FCF / Net Income (x)	0.30x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.23x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.78x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	-3.00x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.22x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	10.80x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Common Equity (%) (%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15%	10.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15%	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15%	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15%	10.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15%	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	1.32x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.22x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.11x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x	1.24x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x	1.29x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x	—
Net Debt (USD)	$1.45B	$1.34B	$1.21B	$1.36B	$1.33B	—

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Basic EPS, GAAP (USD)	$1.53	$1.85	$1.91	$1.63	$1.86	$0.14
Free Cash Flow per Share (USD)	$0.46	$-0.42	$3.40	$-4.91	$4.11	$1.52
Book Value per Share (USD)	$17.23	$17.65	$17.60	$17.29	$17.04	—
Tangible Book Value per Share (USD)	$17.23	$17.65	$17.60	$17.29	$17.04	—
Basic Weighted Avg Shares (shares)	64.82M	64.56M	64.56M	64.56M	64.56M	58.67M

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
LT Debt (USD)	$1.47B	$1.39B	$1.26B	$1.39B	$1.41B	—
Total Equity (USD)	$1.12B	$1.14B	$1.14B	$1.12B	$1.10B	—

📋 What is driving earnings? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Income, GAAP (USD)	$98.76M	$119.42M	$123.38M	$105.48M	$119.81M	$8.28M
Operating Cash Flow (USD)	$29.52M	$-27.10M	$219.26M	$-316.83M	$265.55M	$89.42M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 6 years · 21 quarters

Bain Capital Specialty Finance, Inc.

Analytical Summary

6-Year Financial Trajectory

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Bearish Risks

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