Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bain Capital Specialty Finance has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Bain Capital Specialty Finance Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Bain Capital Specialty Finance's interest coverage with the available data.
Bain Capital Specialty Finance's debt to revenue ratio for the quarter that ended in Jun. 2026 was 21.64.
Altman Z-Score does not apply to banks and insurance companies.
Bain Capital Specialty Finance (NYSE:BCSF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bain Capital Specialty Finance has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Bain Capital Specialty Finance Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bain Capital Specialty Finance (BCSF) has a Financial Strength of 3 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bain Capital Specialty Finance and its competitors. This is near median its historical median of 3.00. Over the past decade, Bain Capital Specialty Finance's Financial Strength has ranged from 2.00 to 5.00.
Is Bain Capital Specialty Finance's Financial Strength too high?
Bain Capital Specialty Finance's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. Overall, Bain Capital Specialty Finance has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bain Capital Specialty Finance's Financial Strength compare to BTO and MQY?
Bain Capital Specialty Finance's Financial Strength of 3 can be compared against companies in the Asset Management industry. Historically, Bain Capital Specialty Finance's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Asset Management company?
A good Financial Strength depends on the Asset Management industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bain Capital Specialty Finance and its competitors. Bain Capital Specialty Finance's current Financial Strength is 3, which is near median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bain Capital Specialty Finance stock overvalued right now?
Based on GuruFocus' analysis, Bain Capital Specialty Finance (BCSF) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.08, compared to a current price of $12.65 — trading 39.3% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. Bain Capital Specialty Finance's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bain Capital Specialty Finance (BCSF), the current Financial Strength is 3 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bain Capital Specialty Finance (BCSF) Overvalued in 2026?
Based on GuruFocus' analysis, Bain Capital Specialty Finance stock appears to be overvalued.
The current stock price of $12.65 is trading 39.3% above its estimated GF Value™ of $9.08.
GuruFocus considers Bain Capital Specialty Finance to be Significantly Overvalued.
Key valuation signals for BCSF:
Financial Strength: 3 (near median its 10-year median of 3.00)
GF Value™: $9.08 vs. price of $12.65 (39.3% above fair value)
No single metric tells the full story. See the BCSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bain Capital Specialty Finance Inc is an externally managed, closed-end, non-diversified management investment company. The company's objective is to provide risk-adjusted returns and current income to investors by investing in middle-market companies. Its portfolio of investments includes First Lien Senior Secured Loan, Preferred Equity, Equity Interest, Warrants, and Second Lien Senior Secured Loan, and others.
62GF Score
Get the complete analysis for BCSF
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BCSF has been successfully added to your 
