Stocks · Financial Services · Asset Management
Bain Capital Specialty Finance, Inc. BCSF
$11.05 -0.36% Close, Oct 2, 2026 · NYSE · Market cap $716.8M
Weak trend
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.1× trailing earnings, higher than 90% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $0.99, down 42.3% year over year.
- Net debt is 12.8× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth7Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 16%
- EPS growth (TTM, YoY)Bottom 15%
- FCF growth (TTM, YoY)Bottom 15%
- Revenue growth, 3-year CAGRBottom 38%
- Revenue growth accelerationBottom 43%
Quality61Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 34%
- Gross marginTop 47%
- Operating marginTop 5%
- Cash conversion (OCF / net income)Top 49%
- Accruals (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Bottom 9%
- Interest coverTop 40%
Value38Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 25%
- Free-cash-flow yieldTop 34%
- EBITDA / enterprise valueBottom 42%
- Sales / enterprise valueBottom 9%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum8Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 13%
- 6-month returnBottom 9%
- 1-year return vs S&P 500Bottom 14%
- Distance from 52-week highBottom 19%
- Trend checklist (0–4)Bottom 9%
Revisions18Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 31%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 8%
- Upside to consensus price targetBottom 48%
Stability22Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 46%
- Maximum drawdown, 3 yearsBottom 24%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -5.1% | -6.1% | ↓ |
| EPS growth (YoY) | -36.5% | -42.3% | ↓ |
| Gross margin | 61.2% | 66.6% | ↑ |
| Operating margin | 54.6% | 56.7% | ↑ |
| FCF margin | 54.6% | 38.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -6.1% | -5.1% | ↓ | Bottom 16% |
| EPS growth (TTM, YoY) | -42.3% | -36.5% | ↓ | Bottom 15% |
| Gross margin | 66.6% | 61.2% | ↑ | Top 47% |
| Operating margin | 56.7% | 54.6% | ↑ | Top 5% |
| Net margin | 33.2% | 52.4% | ↓ | — |
| Free-cash-flow margin | 38.7% | 54.6% | ↓ | — |
| Return on invested capital | 4.0% | — | Top 34% | |
| Revenue growth, 3-year CAGR | 12.3% | — | Bottom 38% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.17×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +51.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 12.82×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 13.30%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 13.30%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +0.5%
- Average 2-day reaction, last 8
- -1.1%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $12.67
- Target vs current price
- +14.7%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 13%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | +4.3% | -1.2% | -4.3% | -9.8% | — |
| May 11, 2026 | -4.5% | -2.6% | -2.2% | -5.9% | -7.2% |
| Feb 26, 2026 | +2.2% | -3.9% | -3.9% | -6.5% | +0.2% |
| Nov 10, 2025 | +0.0% | +0.2% | +0.0% | +4.3% | -5.6% |
| Aug 5, 2025 | +9.3% | +0.5% | +2.9% | +6.3% | -1.8% |
| May 5, 2025 | +4.2% | -1.2% | -1.9% | +1.0% | -3.2% |
| Feb 27, 2025 | +6.1% | -0.9% | -5.2% | -9.9% | -18.3% |
| Nov 5, 2024 | +6.0% | +0.2% | +3.4% | +4.3% | +10.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.44 | $0.42 | +4.3% | $62.3M |
| May 11, 2026 | $0.42 | $0.44 | -4.5% | $66.2M |
| Feb 26, 2026 | $0.46 | $0.45 | +2.2% | $68.2M |
| Nov 10, 2025 | $0.45 | $0.45 | +0.0% | $42.7M |
| Aug 5, 2025 | $0.47 | $0.43 | +9.3% | $73.7M |
| May 5, 2025 | $0.50 | $0.48 | +4.2% | $52.0M |
| Feb 27, 2025 | $0.52 | $0.49 | +6.1% | $27.1M |
| Nov 5, 2024 | $0.53 | $0.50 | +6.0% | $55.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.1× | 8.4× | 90th | Top 25% |
| P/E (forward) | 6.7× | — | — | — |
| EV / EBITDA | 19.4× | — | — | Bottom 42% |
| EV / Sales | 10.92× | — | — | Bottom 9% |
| Free-cash-flow yield | 10.40% | — | — | Top 34% |
| Earnings yield | 8.98% | — | — | Top 25% |
P/E over the past five years
Range 5.9× – 13.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -21.1%
- Earnings per share growth (TTM)
- -42.3%
- Change in P/E multiple
- +52.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -4.4%
- 200-day average slope (20 days)
- -2.3%
- Distance from 50-day average
- -7.4%
- Distance from 200-day average
- -13.6%
- RSI (14)
- 35.8
- Relative volume
- 0.96×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.4%
- Volatility vs own 5-year history
- 60th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -24.3%
- Maximum drawdown, 3 years
- -42.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 28, 2025 | Sep 30, 2026 | -42.1% | 398 days | Not yet recovered |
| Apr 20, 2022 | May 4, 2023 | -31.3% | 261 days | 93 days (Sep 18, 2023) |
| Sep 28, 2020 | Oct 28, 2020 | -16.9% | 22 days | 9 days (Nov 10, 2020) |
| Sep 19, 2023 | Oct 25, 2023 | -12.2% | 26 days | 129 days (May 1, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $716.8M
- P/E (TTM)
- 11.1
- EPS, diluted (TTM)
- $0.99
- Revenue (TTM)
- $192.6M
- Dividend yield
- 16.83%
- 52-week range
- $10.95 – $14.70
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $175.4M | $168.8M | $218.0M | $212.9M | $239.2M |
| Gross profit | $124.1M | $116.5M | $138.0M | $138.2M | $183.9M |
| Operating income | $119.9M | $106.3M | $126.7M | $123.9M | $180.9M |
| Net income | $119.8M | $105.5M | $123.4M | $119.4M | $98.8M |
| EPS (diluted) | $1.86 | $1.63 | $1.91 | $1.85 | $1.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $55.7M | $48.0M | $52.0M | $49.4M | $42.7M | $51.0M | $53.6M | $45.3M |
| Net income | $33.1M | $22.1M | $28.5M | $23.7M | $18.7M | $27.8M | $3.4M | $14.1M |
| EPS (diluted) | $0.51 | $0.34 | $0.50 | $0.37 | $0.29 | $0.43 | $0.05 | $0.22 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $54.5M | $114.2M | $125.9M | $112.6M | $29.5M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $54.5M | $114.2M | $125.9M | $112.6M | $29.5M |
| Dividends paid | -$87.8M | -$87.8M | -$99.4M | -$114.3M | -$145.8M |
| Net share buybacks | $0 | $0 | $0 | $0 | $5.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $115.7M
- Total assets
- $2.62B
- Total liabilities
- $1.54B
- Total debt
- $1.50B
- Net debt
- $1.39B
- Shareholders’ equity
- $1.08B
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.42 | Sep 29, 2026 |
| Jun 15, 2026 | $0.42 | Jun 29, 2026 |
| Mar 16, 2026 | $0.42 | Mar 30, 2026 |
| Dec 31, 2025 | $0.15 | Jan 26, 2026 |
| Dec 16, 2025 | $0.45 | Dec 30, 2025 |
| Sep 16, 2025 | $0.45 | Sep 30, 2025 |
| Jun 16, 2025 | $0.45 | Jun 30, 2025 |
| Mar 17, 2025 | $0.45 | Mar 31, 2025 |
Short interest
- Shares sold short
- 1,650,718
- Days to cover
- 3.09
- Change vs previous report
- +10.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 12, 2020
- 1,019-for-1,000