Bain Capital Specialty Finance, Inc. (BCSF) 10-Year Financial Performance & Capital Metrics

BCSF • • Banking & Credit

Financial ServicesAsset ManagementBusiness Development Companies (BDCs)Middle Market Lenders

AboutBain Capital Specialty Finance, Inc. is business development company specializing in direct loans to middle-market companies. The fund seeks to invest in senior investments with a first or second lien on collateral, senior first lien, stretch senior, senior second lien, unitranche, mezzanine debt, junior securities, other junior investments, and secondary purchases of assets or portfolios that primarily consist of middle-market corporate debt. It typically invests in companies with EBITDA between $10 million and $150 million.Show more

Net Interest Income $148M -0.7%
Total Revenue $213M -2.3%
Net Income $119M -3.2%
Return on Equity 10.49% -4.2%
Net Interest Margin 5.61% -6.7%
Efficiency Ratio 6.72% +30.0%
ROA 4.68% -4.0%
Equity / Assets 43.3% -5.8%
Book Value per Share 17.65 +0.3%
Tangible BV/Share 17.65 +0.3%
Debt/Equity 1.22 +10.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 5.6%
✓Efficient operations: 6.7% efficiency ratio
✓Well capitalized: 43.3% equity/assets
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y5.74%

3Y6.67%

TTM-

Profit (Net Income) CAGR

10Y-

5Y4.01%

3Y-0.11%

TTM-27.45%

EPS CAGR

10Y-

5Y-0.21%

3Y-0.18%

TTM-16.16%

ROCE

10Y Avg3.66%

5Y Avg3.89%

3Y Avg4.8%

Latest5%

Peer Comparison

Middle Market Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GSBDGoldman Sachs BDC, Inc.	1.08B	9.43	17.15	-57.7%	32.67%	9.15%	18.68%	1.23
CSWCCapital Southwest Corporation	1.36B	23.72	16.14	7.67%	43.07%	9.13%		1.08
HCXYHercules Capital, Inc.	2.36B	25.18	15.64	-9.71%	62.54%	14.13%		0.90
TRINITrinity Capital Inc. 7.875% Notes Due 2029	1.91B	25.41	12.10	29.68%	50.98%	15.22%	4.92%	1.08
HTGCHercules Capital, Inc.	3.45B	18.97	11.78	-12.79%	61.03%	14.17%		0.90
TSLXSixth Street Specialty Lending, Inc.	2.12B	22.40	11.03	-2.72%	51.86%	11.83%	8.85%	1.18
MAINMain Street Capital Corporation	5.75B	64.20	10.97	18.32%	70.11%	18.28%		0.76
GBDCGolub Capital BDC, Inc.	3.68B	13.95	9.82	80.52%	46.2%	9.4%

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	841.53K	-3.94M	-24.01M	113.59M	110.89M	116M	113.95M	148.54M	147.55M
NII Growth %	-	-5.69%	-5.09%	5.73%	-0.02%	0.05%	-0.02%	0.3%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	868.55K	-329.73K	0	179.92M	174.2M	167.34M	166.27M	228.55M	222.24M
Interest Expense	27.02K	3.62M	24.01M	66.33M	63.31M	51.34M	52.32M	80.01M	74.69M
Loan Loss Provision	0	98.35K	-23.5M	0	0	0	0	0	0
Non-Interest Income+	1.08M	24.84M	73.59M	-18.87M	-96.98M	8.06M	2.55M	-10.55M	-9.36M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	1.95M	24.51M	73.59M	161.04M	77.22M	175.41M	168.82M	218M	212.88M
Revenue Growth %	-	11.57%	2%	1.19%	-0.52%	1.27%	-0.04%	0.29%	-0.02%
Non-Interest Expense	1.31M	3.07M	19.35M	-3.37M	5.4M	4.12M	10.19M	11.26M	14.3M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	608.98K	18.15M	69.26M	98.08M	8.51M	119.94M	106.32M	126.73M	123.89M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	28.81%	2.82%	0.42%	-0.91%	13.09%	-0.11%	0.19%	-0.02%
Pretax Income+	608.98K	19.3M	26.64M	98.08M	8.51M	119.94M	106.32M	126.73M	123.89M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	0	4.88K	0	0	232K	134K	837K	3.36M	4.47M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	608.98K	19.3M	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	30.69%	0.38%	2.68%	-0.92%	13.47%	-0.12%	0.17%	-0.03%
Net Income (Continuing)	608.98K	19.3M	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
EPS (Diluted)+	0.03	0.98	0.68	1.87	0.14	1.86	1.63	1.91	1.85
EPS Growth %	-	30.92%	-0.31%	1.75%	-0.93%	12.29%	-0.12%	0.17%	-0.03%
EPS (Basic)	0.03	0.98	0.69	1.87	0.14	1.86	1.63	1.91	1.85
Diluted Shares Outstanding	19.82M	19.82M	39.11M	52.33M	58.67M	64.56M	64.56M	64.56M	64.56M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	66.73M	140.92M	15.28M	37.34M	54.68M	117.42M	59.78M	49.4M	53.52M
Short Term Investments	0	0	-10	0	0	0	0	0	0
Total Investments+	0	831.58M	307.57M	2.53B	2.48B	2.29B	2.39B	2.3B	2.43B
Investments Growth %	-	-	-0.63%	7.22%	-0.02%	-0.08%	0.04%	-0.04%	0.06%
Long-Term Investments	0	831.58M	307.57M	2.53B	2.48B	2.29B	2.39B	2.3B	2.43B
Accounts Receivables	616.58K	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0	0	0
Other Assets	109.37M	5.81M	1.45B	1.03M	-2.48B	0	0	2.8M	4.59M
Total Current Assets	67.49M	150.73M	31.88M	82.78M	83.91M	185.42M	201.72M	91.09M	196.38M
Total Non-Current Assets	109.37M	837.39M	1.76B	2.53B	2.48B	2.29B	2.39B	2.3B	2.44B
Total Assets+	176.86M	988.25M	1.79B	2.65B	2.6B	2.57B	2.59B	2.47B	2.63B
Asset Growth %	-	4.59%	0.81%	0.48%	-0.02%	-0.01%	0.01%	-0.05%	0.06%
Return on Assets (ROA)	0%	0.03%	0.02%	0.04%	0%	0.05%	0.04%	0.05%	0.05%
Accounts Payable	6.85M	15.96M	146.39M	2.45M	14.25M	13.68M	19.02M	20.63M	43.46M
Total Debt+	59.1M	451M	634.92M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Net Debt	-7.63M	310.08M	619.64M	1.54B	1.4B	1.3B	1.33B	1.21B	1.34B
Long-Term Debt	59.1M	451M	634.92M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	565.59K	0	8.07M	0	0	0	0	0	0
Total Current Liabilities	6.85M	30.29M	146.39M	52.52M	44.43M	56.2M	90.74M	50.57M	102.22M
Total Non-Current Liabilities	59.67M	451M	643M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Total Liabilities	66.51M	481.29M	789.38M	1.63B	1.54B	1.47B	1.48B	1.34B	1.49B
Total Equity+	110.34M	506.96M	1B	1.02B	1.07B	1.1B	1.12B	1.14B	1.14B
Equity Growth %	-	3.59%	0.98%	0.02%	0.05%	0.03%	0.01%	0.02%	0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.01%	0.06%	0.04%	0.1%	0.01%	0.11%	0.1%	0.11%	0.1%
Book Value per Share	5.57	25.57	25.61	19.46	18.20	17.04	17.29	17.60	17.65
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	5.49K	24.98K	51K	52K	65K	65K	65K	65K	65K
Additional Paid-in Capital	109.68M	503.53M	1.03B	1.04B	1.17B	1.17B	1.17B	1.17B	1.16B
Retained Earnings	-1.03M	-3.43M	-32.68M	-20M	-98.51M	-68.44M	-52.06M	-31.98M	-19.89M
Accumulated OCI	0	6.84M	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-100.77M	-697.37M	-774.25M	101.88M	75.94M	54.49M	114.21M	125.87M	112.58M
Operating CF Growth %	-	-5.92%	-0.11%	1.13%	-0.25%	-0.28%	1.1%	0.1%	-0.11%
Net Income	608.98K	0	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
Depreciation & Amortization	-38.83K	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-101.56M	-693.3M	-801.38M	-5.15M	80.8M	-55.78M	17.08M	-6.77M	-9.75M
Working Capital Changes	221K	-4.07M	486K	8.95M	-13.14M	-9.53M	-8.35M	9.26M	2.92M
Cash from Investing+	-99.96M	-708.07M	-828.23M	-344.65M	13.48M	211.06M	-431.04M	93.4M	-139.68M
Purchase of Investments	-100.31M	-781.18M	-1.06B	-1.41B	-525.01M	-1.19B	-1.42B	-844.25M	-1.63B
Sale/Maturity of Investments	347.78K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0
Other Investing	0	0	0	0	0	0	0	0	0
Cash from Financing+	167.5M	770.85M	667.09M	278.25M	-76.52M	-138.63M	238.33M	-231.43M	14.25M
Dividends Paid	0	-7.76M	-40.97M	-81.25M	-86.25M	-87.81M	-87.8M	-99.43M	-114.28M
Share Repurchases	0	0	0	0	0	0	0	0	0
Stock Issued	109.82M	392.74M	524.27M	-1.82M	128.37M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Other Financing	-1.42M	-5.46M	-2.17M	0	0	0	0	0	0
Net Change in Cash+	66.73M	74.19M	-107.65M	35.58M	12.86M	121.88M	-77.85M	-13.25M	-13.42M
Exchange Rate Effect	0	707.08K	-486.81K	92.47K	-45K	-1000K	649K	-1000K	-571K
Cash at Beginning	0	66.73M	140.92M	33.27M	68.85M	81.7M	203.58M	125.73M	112.48M
Cash at End	66.73M	140.92M	33.27M	68.85M	81.7M	203.58M	125.73M	112.48M	99.07M
Interest Paid	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-100.77M	-697.37M	-774.25M	101.88M	75.94M	54.49M	114.21M	125.87M	112.58M
FCF Growth %	-	-5.92%	-0.11%	1.13%	-0.25%	-0.28%	1.1%	0.1%	-0.11%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	0.55%	6.25%	3.53%	9.71%	0.79%	11.05%	9.52%	10.95%	10.49%
Return on Assets (ROA)	0.34%	3.31%	1.92%	4.42%	0.32%	4.63%	4.09%	4.87%	4.68%
Net Interest Margin	0.48%	-0.4%	-1.34%	4.29%	4.26%	4.51%	4.4%	6.01%	5.61%
Efficiency Ratio	67.37%	12.52%	26.3%	-2.09%	6.99%	2.35%	6.04%	5.16%	6.72%
Equity / Assets	62.39%	51.3%	55.93%	38.49%	41.02%	42.78%	43.06%	45.97%	43.3%
Book Value / Share	5.57	25.57	25.61	19.46	18.2	17.04	17.29	17.6	17.65
NII Growth	-	-568.75%	-508.69%	573.06%	-2.38%	4.61%	-1.76%	30.35%	-0.67%
Dividend Payout	-	40.19%	153.77%	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Bain Capital Specialty Finance, Inc. (BCSF) has a price-to-earnings (P/E) ratio of 7.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Bain Capital Specialty Finance, Inc. (BCSF) saw revenue decline by 2.3% over the past year.

Yes, Bain Capital Specialty Finance, Inc. (BCSF) is profitable, generating $93.1M in net income for fiscal year 2024 (56.1% net margin).

Dividend & Returns

Yes, Bain Capital Specialty Finance, Inc. (BCSF) pays a dividend with a yield of 12.62%. This makes it attractive for income-focused investors.

Bain Capital Specialty Finance, Inc. (BCSF) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

Bain Capital Specialty Finance, Inc. (BCSF) has a net interest margin (NIM) of 5.6%. This indicates healthy earnings from lending activities.

Bain Capital Specialty Finance, Inc. (BCSF) has an efficiency ratio of 6.7%. This is excellent, indicating strong cost control.

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Bain Capital Specialty Finance, Inc. (BCSF) 10-Year Financial Performance & Capital Metrics

BCSF • • Banking & Credit

Financial ServicesAsset ManagementBusiness Development Companies (BDCs)Middle Market Lenders

Net Interest Income $148M -0.7%
Total Revenue $213M -2.3%
Net Income $119M -3.2%
Return on Equity 10.49% -4.2%
Net Interest Margin 5.61% -6.7%
Efficiency Ratio 6.72% +30.0%
ROA 4.68% -4.0%
Equity / Assets 43.3% -5.8%
Book Value per Share 17.65 +0.3%
Tangible BV/Share 17.65 +0.3%
Debt/Equity 1.22 +10.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 5.6%
✓Efficient operations: 6.7% efficiency ratio
✓Well capitalized: 43.3% equity/assets
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y5.74%

3Y6.67%

TTM-

Profit (Net Income) CAGR

10Y-

5Y4.01%

3Y-0.11%

TTM-27.45%

EPS CAGR

10Y-

5Y-0.21%

3Y-0.18%

TTM-16.16%

ROCE

10Y Avg3.66%

5Y Avg3.89%

3Y Avg4.8%

Latest5%

Peer Comparison

Middle Market Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GSBDGoldman Sachs BDC, Inc.	1.08B	9.43	17.15	-57.7%	32.67%	9.15%	18.68%	1.23
CSWCCapital Southwest Corporation	1.36B	23.72	16.14	7.67%	43.07%	9.13%		1.08
HCXYHercules Capital, Inc.	2.36B	25.18	15.64	-9.71%	62.54%	14.13%		0.90
TRINITrinity Capital Inc. 7.875% Notes Due 2029	1.91B	25.41	12.10	29.68%	50.98%	15.22%	4.92%	1.08
HTGCHercules Capital, Inc.	3.45B	18.97	11.78	-12.79%	61.03%	14.17%		0.90
TSLXSixth Street Specialty Lending, Inc.	2.12B	22.40	11.03	-2.72%	51.86%	11.83%	8.85%	1.18
MAINMain Street Capital Corporation	5.75B	64.20	10.97	18.32%	70.11%	18.28%		0.76
GBDCGolub Capital BDC, Inc.	3.68B	13.95	9.82	80.52%	46.2%	9.4%

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	841.53K	-3.94M	-24.01M	113.59M	110.89M	116M	113.95M	148.54M	147.55M
NII Growth %	-	-5.69%	-5.09%	5.73%	-0.02%	0.05%	-0.02%	0.3%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	868.55K	-329.73K	0	179.92M	174.2M	167.34M	166.27M	228.55M	222.24M
Interest Expense	27.02K	3.62M	24.01M	66.33M	63.31M	51.34M	52.32M	80.01M	74.69M
Loan Loss Provision	0	98.35K	-23.5M	0	0	0	0	0	0
Non-Interest Income+	1.08M	24.84M	73.59M	-18.87M	-96.98M	8.06M	2.55M	-10.55M	-9.36M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	1.95M	24.51M	73.59M	161.04M	77.22M	175.41M	168.82M	218M	212.88M
Revenue Growth %	-	11.57%	2%	1.19%	-0.52%	1.27%	-0.04%	0.29%	-0.02%
Non-Interest Expense	1.31M	3.07M	19.35M	-3.37M	5.4M	4.12M	10.19M	11.26M	14.3M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	608.98K	18.15M	69.26M	98.08M	8.51M	119.94M	106.32M	126.73M	123.89M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	28.81%	2.82%	0.42%	-0.91%	13.09%	-0.11%	0.19%	-0.02%
Pretax Income+	608.98K	19.3M	26.64M	98.08M	8.51M	119.94M	106.32M	126.73M	123.89M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	0	4.88K	0	0	232K	134K	837K	3.36M	4.47M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	608.98K	19.3M	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	30.69%	0.38%	2.68%	-0.92%	13.47%	-0.12%	0.17%	-0.03%
Net Income (Continuing)	608.98K	19.3M	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
EPS (Diluted)+	0.03	0.98	0.68	1.87	0.14	1.86	1.63	1.91	1.85
EPS Growth %	-	30.92%	-0.31%	1.75%	-0.93%	12.29%	-0.12%	0.17%	-0.03%
EPS (Basic)	0.03	0.98	0.69	1.87	0.14	1.86	1.63	1.91	1.85
Diluted Shares Outstanding	19.82M	19.82M	39.11M	52.33M	58.67M	64.56M	64.56M	64.56M	64.56M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	66.73M	140.92M	15.28M	37.34M	54.68M	117.42M	59.78M	49.4M	53.52M
Short Term Investments	0	0	-10	0	0	0	0	0	0
Total Investments+	0	831.58M	307.57M	2.53B	2.48B	2.29B	2.39B	2.3B	2.43B
Investments Growth %	-	-	-0.63%	7.22%	-0.02%	-0.08%	0.04%	-0.04%	0.06%
Long-Term Investments	0	831.58M	307.57M	2.53B	2.48B	2.29B	2.39B	2.3B	2.43B
Accounts Receivables	616.58K	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0	0	0
Other Assets	109.37M	5.81M	1.45B	1.03M	-2.48B	0	0	2.8M	4.59M
Total Current Assets	67.49M	150.73M	31.88M	82.78M	83.91M	185.42M	201.72M	91.09M	196.38M
Total Non-Current Assets	109.37M	837.39M	1.76B	2.53B	2.48B	2.29B	2.39B	2.3B	2.44B
Total Assets+	176.86M	988.25M	1.79B	2.65B	2.6B	2.57B	2.59B	2.47B	2.63B
Asset Growth %	-	4.59%	0.81%	0.48%	-0.02%	-0.01%	0.01%	-0.05%	0.06%
Return on Assets (ROA)	0%	0.03%	0.02%	0.04%	0%	0.05%	0.04%	0.05%	0.05%
Accounts Payable	6.85M	15.96M	146.39M	2.45M	14.25M	13.68M	19.02M	20.63M	43.46M
Total Debt+	59.1M	451M	634.92M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Net Debt	-7.63M	310.08M	619.64M	1.54B	1.4B	1.3B	1.33B	1.21B	1.34B
Long-Term Debt	59.1M	451M	634.92M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	565.59K	0	8.07M	0	0	0	0	0	0
Total Current Liabilities	6.85M	30.29M	146.39M	52.52M	44.43M	56.2M	90.74M	50.57M	102.22M
Total Non-Current Liabilities	59.67M	451M	643M	1.57B	1.46B	1.41B	1.39B	1.26B	1.39B
Total Liabilities	66.51M	481.29M	789.38M	1.63B	1.54B	1.47B	1.48B	1.34B	1.49B
Total Equity+	110.34M	506.96M	1B	1.02B	1.07B	1.1B	1.12B	1.14B	1.14B
Equity Growth %	-	3.59%	0.98%	0.02%	0.05%	0.03%	0.01%	0.02%	0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.01%	0.06%	0.04%	0.1%	0.01%	0.11%	0.1%	0.11%	0.1%
Book Value per Share	5.57	25.57	25.61	19.46	18.20	17.04	17.29	17.60	17.65
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	5.49K	24.98K	51K	52K	65K	65K	65K	65K	65K
Additional Paid-in Capital	109.68M	503.53M	1.03B	1.04B	1.17B	1.17B	1.17B	1.17B	1.16B
Retained Earnings	-1.03M	-3.43M	-32.68M	-20M	-98.51M	-68.44M	-52.06M	-31.98M	-19.89M
Accumulated OCI	0	6.84M	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-100.77M	-697.37M	-774.25M	101.88M	75.94M	54.49M	114.21M	125.87M	112.58M
Operating CF Growth %	-	-5.92%	-0.11%	1.13%	-0.25%	-0.28%	1.1%	0.1%	-0.11%
Net Income	608.98K	0	26.64M	98.08M	8.28M	119.81M	105.48M	123.38M	119.42M
Depreciation & Amortization	-38.83K	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-101.56M	-693.3M	-801.38M	-5.15M	80.8M	-55.78M	17.08M	-6.77M	-9.75M
Working Capital Changes	221K	-4.07M	486K	8.95M	-13.14M	-9.53M	-8.35M	9.26M	2.92M
Cash from Investing+	-99.96M	-708.07M	-828.23M	-344.65M	13.48M	211.06M	-431.04M	93.4M	-139.68M
Purchase of Investments	-100.31M	-781.18M	-1.06B	-1.41B	-525.01M	-1.19B	-1.42B	-844.25M	-1.63B
Sale/Maturity of Investments	347.78K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0
Other Investing	0	0	0	0	0	0	0	0	0
Cash from Financing+	167.5M	770.85M	667.09M	278.25M	-76.52M	-138.63M	238.33M	-231.43M	14.25M
Dividends Paid	0	-7.76M	-40.97M	-81.25M	-86.25M	-87.81M	-87.8M	-99.43M	-114.28M
Share Repurchases	0	0	0	0	0	0	0	0	0
Stock Issued	109.82M	392.74M	524.27M	-1.82M	128.37M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Other Financing	-1.42M	-5.46M	-2.17M	0	0	0	0	0	0
Net Change in Cash+	66.73M	74.19M	-107.65M	35.58M	12.86M	121.88M	-77.85M	-13.25M	-13.42M
Exchange Rate Effect	0	707.08K	-486.81K	92.47K	-45K	-1000K	649K	-1000K	-571K
Cash at Beginning	0	66.73M	140.92M	33.27M	68.85M	81.7M	203.58M	125.73M	112.48M
Cash at End	66.73M	140.92M	33.27M	68.85M	81.7M	203.58M	125.73M	112.48M	99.07M
Interest Paid	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-100.77M	-697.37M	-774.25M	101.88M	75.94M	54.49M	114.21M	125.87M	112.58M
FCF Growth %	-	-5.92%	-0.11%	1.13%	-0.25%	-0.28%	1.1%	0.1%	-0.11%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	0.55%	6.25%	3.53%	9.71%	0.79%	11.05%	9.52%	10.95%	10.49%
Return on Assets (ROA)	0.34%	3.31%	1.92%	4.42%	0.32%	4.63%	4.09%	4.87%	4.68%
Net Interest Margin	0.48%	-0.4%	-1.34%	4.29%	4.26%	4.51%	4.4%	6.01%	5.61%
Efficiency Ratio	67.37%	12.52%	26.3%	-2.09%	6.99%	2.35%	6.04%	5.16%	6.72%
Equity / Assets	62.39%	51.3%	55.93%	38.49%	41.02%	42.78%	43.06%	45.97%	43.3%
Book Value / Share	5.57	25.57	25.61	19.46	18.2	17.04	17.29	17.6	17.65
NII Growth	-	-568.75%	-508.69%	573.06%	-2.38%	4.61%	-1.76%	30.35%	-0.67%
Dividend Payout	-	40.19%	153.77%	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Bain Capital Specialty Finance, Inc. (BCSF) has a price-to-earnings (P/E) ratio of 7.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Bain Capital Specialty Finance, Inc. (BCSF) saw revenue decline by 2.3% over the past year.

Yes, Bain Capital Specialty Finance, Inc. (BCSF) is profitable, generating $93.1M in net income for fiscal year 2024 (56.1% net margin).

Dividend & Returns

Yes, Bain Capital Specialty Finance, Inc. (BCSF) pays a dividend with a yield of 12.62%. This makes it attractive for income-focused investors.

Bain Capital Specialty Finance, Inc. (BCSF) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

Bain Capital Specialty Finance, Inc. (BCSF) has a net interest margin (NIM) of 5.6%. This indicates healthy earnings from lending activities.

Bain Capital Specialty Finance, Inc. (BCSF) has an efficiency ratio of 6.7%. This is excellent, indicating strong cost control.