Bain Capital Specialty Finance Inc Financials
This page shows Bain Capital Specialty Finance Inc (BCSF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Bain Capital Specialty Finance Inc passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
For every $1 of reported earnings, Bain Capital Specialty Finance Inc generates $-0.23 in operating cash flow (-$27.1M OCF vs $119.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Bain Capital Specialty Finance Inc reported $119.4M in net income in fiscal year 2024. This represents a decrease of 3.2% from the prior year.
Bain Capital Specialty Finance Inc earned $1.85 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.1% from the prior year.
Bain Capital Specialty Finance Inc held $51.6M in cash against $1.4B in long-term debt as of fiscal year 2024.
Bain Capital Specialty Finance Inc had 65M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Bain Capital Specialty Finance Inc's ROE was 10.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.
BCSF Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $20.3M-6.7% | $21.8M+15.2% | $18.9M | N/A | $18.1M+2.8% | $17.6M-2.4% | $18.1M | N/A |
| Income Tax | N/A | N/A | $0 | N/A | N/A | N/A | $0 | N/A |
| Net Income | $18.7M-21.2% | $23.7M-16.9% | $28.5M+29.0% | $22.1M-33.1% | $33.1M+13.8% | $29.1M-17.1% | $35.1M+13.0% | $31.1M |
| EPS (Diluted) | $0.29-21.6% | $0.37-15.9% | $0.44+29.4% | $0.34-33.3% | $0.51+13.3% | $0.45-18.2% | $0.55+14.6% | $0.48 |
BCSF Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.7B-2.1% | $2.8B+5.0% | $2.6B+0.4% | $2.6B+3.5% | $2.5B+5.3% | $2.4B-6.4% | $2.6B+4.4% | $2.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $40.9M+46.8% | $27.8M+173.8% | $10.2M-80.3% | $51.6M+103.5% | $25.3M+37.6% | $18.4M-60.6% | $46.7M+8.6% | $43.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.6B-2.9% | $1.6B+9.2% | $1.5B+0.4% | $1.5B+6.8% | $1.4B+9.8% | $1.3B-11.5% | $1.4B+7.6% | $1.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $1.5B-4.2% | $1.6B+7.7% | $1.5B+4.4% | $1.4B+6.9% | $1.3B+10.8% | $1.2B-13.5% | $1.4B+8.1% | $1.3B |
| Total Equity | $1.1B-0.9% | $1.1B-0.5% | $1.1B+0.4% | $1.1B-0.6% | $1.1B+0.4% | $1.1B0.0% | $1.1B+0.5% | $1.1B |
| Retained Earnings | -$35.6M-41.8% | -$25.1M-27.9% | -$19.6M+1.4% | -$19.9M-6.5% | -$18.7M+17.8% | -$22.7M+0.2% | -$22.7M+28.9% | -$32.0M |
BCSF Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.0M+1292.6% | $646K+108.9% | -$7.3M+63.6% | -$20.0M+85.3% | -$135.9M-170.6% | $192.4M+402.1% | -$63.7M-142.8% | $148.7M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | -$96.9M-224.5% | $77.8M+3825.8% | $2.0M-96.7% | $59.9M-38.2% | $96.9M+144.8% | -$216.5M-393.1% | $73.9M+152.0% | -$142.1M |
| Dividends Paid | $29.2M0.0% | $29.2M-49.9% | $58.2M+100.5% | $29.1M0.0% | $29.1M0.0% | $29.1M+7.1% | $27.1M0.0% | $27.1M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BCSF Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 1.7%-0.4pp | 2.1%-0.4pp | 2.5%+0.5pp | 1.9%-0.9pp | 2.9%+0.3pp | 2.5%-0.5pp | 3.1%+0.3pp | 2.7% |
| Return on Assets | 0.7%-0.2pp | 0.9%-0.2pp | 1.1%+0.2pp | 0.8%-0.5pp | 1.3%+0.1pp | 1.2%-0.2pp | 1.4%+0.1pp | 1.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.33-0.0 | 1.37+0.1 | 1.27+0.0 | 1.22+0.1 | 1.13+0.1 | 1.03-0.2 | 1.19+0.1 | 1.11 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
Is Bain Capital Specialty Finance Inc profitable?
Yes, Bain Capital Specialty Finance Inc (BCSF) reported a net income of $119.4M in fiscal year 2024.
What is Bain Capital Specialty Finance Inc's earnings per share (EPS)?
Bain Capital Specialty Finance Inc (BCSF) reported diluted earnings per share of $1.85 for fiscal year 2024. This represents a -3.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Bain Capital Specialty Finance Inc have?
As of fiscal year 2024, Bain Capital Specialty Finance Inc (BCSF) had $51.6M in cash and equivalents against $1.4B in long-term debt.
What is Bain Capital Specialty Finance Inc's return on equity (ROE)?
Bain Capital Specialty Finance Inc (BCSF) has a return on equity of 10.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bain Capital Specialty Finance Inc's operating cash flow?
Bain Capital Specialty Finance Inc (BCSF) generated -$27.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bain Capital Specialty Finance Inc's total assets?
Bain Capital Specialty Finance Inc (BCSF) had $2.6B in total assets as of fiscal year 2024, including both current and long-term assets.
How many shares does Bain Capital Specialty Finance Inc have outstanding?
Bain Capital Specialty Finance Inc (BCSF) had 65M shares outstanding as of fiscal year 2024.
What is Bain Capital Specialty Finance Inc's debt-to-equity ratio?
Bain Capital Specialty Finance Inc (BCSF) had a debt-to-equity ratio of 1.22 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bain Capital Specialty Finance Inc's return on assets (ROA)?
Bain Capital Specialty Finance Inc (BCSF) had a return on assets of 4.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Bain Capital Specialty Finance Inc's cash runway?
Based on fiscal year 2024 data, Bain Capital Specialty Finance Inc (BCSF) had $51.6M in cash against an annual operating cash burn of $27.1M. This gives an estimated cash runway of approximately 23 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Bain Capital Specialty Finance Inc's Piotroski F-Score?
Bain Capital Specialty Finance Inc (BCSF) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Bain Capital Specialty Finance Inc's earnings high quality?
Bain Capital Specialty Finance Inc (BCSF) has an earnings quality ratio of -0.23x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.