# Bain Capital Specialty Finance Inc. (BCSF) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Capital Markets. Price $11.82, market value $767 million.

## Valuation
- **P/E (trailing): 11.9×** (5-yr avg 6.3×, 3-yr avg 7.4×). Bain Capital Specialty Finance Inc. trades at 11.9× trailing earnings, well above its own five-year average of 6.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Return on equity: 8.8%**. 8.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -17.3%** (3-yr -2.1%/yr, 5-yr 61.3%/yr). Earnings per share fell 17.3%.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $23 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 14.21%** ($1.68 per share, trailing). Bain Capital Specialty Finance Inc. yields 14.21%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 148%**. The dividend exceeds earnings (148% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 6.5%/yr** (1-yr 8.3%). The dividend has grown 6.5% a year over five years.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Bain Capital Specialty Finance Inc.; the consensus is hold, with an average price target of $12.67 (+7% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -13.1%** (YTD -9.1%, 3-mo -4.5%). The shares are down 13.1% over twelve months including dividends.
- **From 52-week high: -25.0%** (2.8% above the low). Trading 25% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 36**. An RSI of 36 is neutral.
- **Beta (1 yr): 0.67** (volatility 23%). Beta of 0.67 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BCSF · Page: https://foliofundamentals.com/stocks/bcsf

Not investment advice.