NASDAQ$WHF

Whitehorse Finance Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

WhiteHorse Finance reported Q4 2025 BDC earnings with portfolio income and NAV update.

WhiteHorse Finance reported fourth-quarter and full-year 2025 results for its middle-market lending BDC, including net investment income, NAV per share, portfolio quality metrics, and dividend coverage.

  • Middle-market direct lending BDC.
  • Q4 NII and dividend coverage metrics.
  • Portfolio yield and credit quality.
  • NAV trend and spillover income.
  • Senior secured loan focus.

Headline financials

Total Revenue

$18.2M

Previous: $21M-13.5%
EPS (adj)

$0.29

Previous: $0.34-16.3%
NAV per Share

$11.68

Previous: $12.31-5.1%
Portfolio Yield

9.1%

No prior period
First Lien Loans %

74.3%

No prior period
Net Income

$8.4M

Previous: $7.98M+5.3%
Operating Income

$6.6M

Previous: $7.98M-17.2%

Revenue & EPS history

Whitehorse Finance · Revenue · Quarterly

$18.2M

Q4 2025-13.5%vs Q4 2024
Beat estimate in 3 of 11 quarters(27%)
ActualEstimate

Forward guidance

Monthly/quarterly distributions guided by NII outlook and credit performance; no traditional EPS guide.

Tailwinds

  • Floating-rate loan book benefits from higher rates.
  • Diversified middle-market portfolio.
  • Regular cash distributions to shareholders.

Headwinds

  • Credit deterioration could pressure NAV.
  • Competition in direct lending tightens spreads.
  • Non-accrual risk in downturn.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.4%

Avg return

Earnings day

-0.1%

Avg return

5 days after

-0.0%

Avg return

30 days after

47%

9 / 19 earnings

Positive

+6.0%

Q4 2025

Best reaction

-6.2%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.5%-4.6%-12.2%
Q4 2025+6.0%+17.8%+12.9%
Q3 2025-5.2%-1.0%+7.5%
Q1 2025+0.8%-1.1%-0.4%
Q4 2024-4.5%-5.5%-14.4%
Q3 2024-5.4%-9.5%-9.7%
Q2 2024-2.4%-2.6%+1.9%
Q1 2024+1.3%+0.4%+2.0%
Q4 2023-0.2%+0.5%-0.2%
Q3 2023-1.1%-0.2%+1.6%
Q2 2023-6.2%-5.8%-4.4%
Q1 2023+5.2%+5.5%+15.3%
Q4 2022+2.3%+0.4%-5.2%
Q3 2022+1.6%+4.9%+7.3%
Q2 2022+1.1%+6.0%-2.3%
Q1 2022-2.1%-6.0%-3.9%
Q4 2021-1.8%-3.6%-1.0%
Q3 2021+0.7%-0.1%+0.7%
Q4 2020+2.3%+2.2%+3.8%

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