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Bain Capital Specialty Finance, Inc.

BCSF

$13.11 ▲ +0.18 (+1.39%) at close

20 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 $850.4M

Dividend Yield —

Revenue Growth —

Op. Margin —

ROIC —

FCF / Share $0.41

Trailing P/E 262.2x

Price / Book 0.8x

FCF Yield 3.1%

Debt / Equity 1.33

info Valuation on last close. End-of-day price, Aug 7, 2026.

20-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$3.39M

↓ -88.1% —

FCF / Share Free cash flow per share

$0.41

↑ +196.1% —

Long-Term Debt Long-term obligations

$1.45B

↓ -1.1% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Returns ↓

Financial Health →

Cash Quality ↓

Financial view

Statement lens

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
EPS Growth YoY (%)	-88.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	26.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-43.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.8% Weak → Weak Stable Year-over-year change in earnings per share Optimal: > 10%	-20.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-29.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.9% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	22.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-28.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	205.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	91.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-52.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	-88.1% Weak ↓ Weak Declining Year-over-year change in net income	25.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-43.5% Weak ↓ Weak Declining Year-over-year change in net income	-18.5% Weak ↓ Weak Declining Year-over-year change in net income	-18.7% Weak ↓ Weak Declining Year-over-year change in net income	-28.7% Weak ↓ Weak Declining Year-over-year change in net income	-2.2% Weak ↑ Weak Improving Year-over-year change in net income	-0.3% Weak ↓ Weak Declining Year-over-year change in net income	19.8% Good ↓ Good Declining Year-over-year change in net income	-28.6% Weak ↓ Weak Declining Year-over-year change in net income	206.4% Excellent ↑ Excellent Improving Year-over-year change in net income	69.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.1% Weak ↓ Weak Declining Year-over-year change in net income	95.3% Excellent Excellent Year-over-year change in net income	-52.7% Weak Weak Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%)	N/M	—	—	—	88.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-48.3% Weak Weak Year-over-year change in free cash flow	—	—	—	57.8% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-51.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	19.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	-5.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.0% Weak Weak Compound annual EPS growth over 3 years	12.3% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 1 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
FCF / Net Income (x)	7.86x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.98x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.48x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.03x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.25x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.90x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-1.81x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	4.79x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	-1.47x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	1.45x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	—	-10.36x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.02x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	3.10x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 1 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Return on Common Equity (%) (%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15%	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15%	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	—	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	2.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15%	—	1.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15%	—	—	—	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	1.33x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.32x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.33x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.37x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.27x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.22x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.13x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.03x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x	1.19x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x	—	1.21x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x	1.32x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.26x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x	—	1.24x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x	—	—	—	—	—
Net Debt (USD)	$1.44B	$1.45B	$1.46B	$1.53B	$1.44B	$1.34B	$1.28B	$1.16B	$1.31B	—	$1.31B	$1.40B	$1.38B	—	$1.33B	—	—	—	—	—

📊 What does each share earn? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Basic EPS, GAAP (USD)	$0.05	$0.43	$0.29	$0.37	$0.44	$0.34	$0.51	$0.45	$0.55	$0.48	$0.52	$0.45	$0.45	$0.67	$0.17	$0.27	$0.52	$0.35	$0.36	—
Free Cash Flow per Share (USD)	$0.41	—	$0.14	$0.01	$-0.11	—	—	—	$-0.99	—	—	—	$-0.67	—	—	$-2.76	$-1.58	—	—	—
Book Value per Share (USD)	$16.86	$17.23	$17.40	$17.56	$17.64	$17.65	$17.76	$17.70	$17.70	—	$17.54	$17.44	$17.37	—	$16.98	—	—	—	—	—
Tangible Book Value per Share (USD)	$16.86	$17.23	$17.40	$17.56	$17.64	$17.65	$17.76	$17.70	$17.70	—	$17.54	$17.44	$17.37	—	$16.98	—	—	—	—	—
Basic Weighted Avg Shares (shares)	64.87M	—	64.87M	64.87M	64.68M	—	64.56M	64.56M	64.56M	—	64.56M	64.56M	64.56M	—	64.56M	64.56M	64.56M	—	64.56M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
LT Debt (USD)	$1.45B	$1.47B	$1.50B	$1.56B	$1.45B	$1.39B	$1.30B	$1.17B	$1.36B	—	$1.37B	$1.49B	$1.41B	—	$1.36B	—	—	—	—	—
Total Equity (USD)	$1.09B	$1.12B	$1.13B	$1.14B	$1.14B	$1.14B	$1.15B	$1.14B	$1.14B	—	$1.13B	$1.13B	$1.12B	—	$1.10B	—	—	—	—	—

📋 What is driving earnings? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Net Income, GAAP (USD)	$3.39M	$27.78M	$18.70M	$23.72M	$28.55M	$22.14M	$33.10M	$29.09M	$35.09M	$31.06M	$33.86M	$29.17M	$29.29M	$43.52M	$11.05M	$17.23M	$33.68M	$22.28M	$23.34M	—
Operating Cash Flow (USD)	$26.64M	$27.15M	$9.00M	$646.00K	$-7.27M	$-19.98M	—	—	$-63.69M	$148.69M	—	—	$-42.96M	$63.05M	—	$-178.44M	$-101.75M	$69.10M	—	—

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Synced 1 week ago 6 years · 20 quarters

Bain Capital Specialty Finance, Inc.

Analytical Summary

20-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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