NYSE$BCSF

Bain Capital Specialty Finance Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Bain Capital Specialty Finance delivered solid fourth quarter 2025 results with strong net investment income that covered its dividend and stable credit performance.

For Q4 2025, Bain Capital Specialty Finance generated net investment income of 29700000, or 0.46 per share, and net income per share of 0.43. The company maintained stable credit metrics with low non-accrual levels and ended the quarter with a net asset value per share of 17.23 and net debt-to-equity of 1.24x.

  • Net investment income per share was 0.46, covering the 0.42 regular dividend.
  • Total fair value of investments was 2508400000 across 203 portfolio companies.
  • Net investment activity was -25300000 driven by 167900000 of fundings and 193200000 of repayments.
  • Net asset value per share increased to 17.23 with low non-accrual levels.

Headline financials

Total Revenue

$68.2M

Previous: $63.2M+7.9%
EPS (adj)

$0.43

Previous: $0.00
Net Income

$27.8M

Previous: $22.1M+25.6%
Operating Income

$29.7M

Previous: $0.00

Revenue & EPS history

Bain Capital Specialty Finance · Revenue · Quarterly

$68.2M

Q4 2025+7.9%vs Q4 2024
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

Forward guidance

The company did not provide quantitative earnings guidance but declared a 0.42 per share dividend for Q1 2026 and highlighted stable credit fundamentals and disciplined portfolio management.

Tailwinds

  • Net investment income covered the regular dividend.
  • Stable net asset value per share at 17.23.
  • Low non-accrual levels at 1.5% of amortized cost.
  • High proportion of floating rate debt investments at 92.2%.
  • Disciplined leverage with net debt-to-equity of 1.24x.

Headwinds

  • Net investment activity was negative at -25300000.
  • Total fair value of investments declined from prior quarter.
  • Net realized and unrealized losses of 1900000 during the quarter.
  • Slight decline in weighted average portfolio yield quarter-over-quarter.
  • Leverage increased slightly compared to prior quarter.

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

+0.7%

Avg return

Earnings day

+1.7%

Avg return

5 days after

+1.3%

Avg return

30 days after

59%

17 / 29 earnings

Positive

+7.3%

Q1 2020

Best reaction

-3.3%

Q4 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.1%-2.3%
Q4 2025+0.8%+0.0%-5.2%
Q3 2025-1.7%-0.2%+4.2%
Q1 2025+0.3%-0.7%+1.4%
Q4 2024+3.2%-4.4%-9.5%
Q3 2024+2.7%+3.9%+3.1%
Q2 2024-1.4%-1.4%+10.2%
Q1 2024-0.4%+0.4%+1.2%
Q4 2023+0.4%+1.4%+1.2%
Q3 2023-2.3%-2.3%-4.0%
Q2 2023+2.5%+2.7%+6.2%
Q1 2023+4.5%+7.1%+14.6%
Q4 2022+0.8%+4.2%-9.3%
Q3 2022+2.7%+5.9%+1.5%
Q2 2022-0.6%+0.8%+0.3%
Q1 2022-1.0%-2.9%-6.5%
Q4 2021-3.3%-0.4%+0.3%
Q3 2021+2.0%+2.9%+0.5%
Q2 2021-0.1%+1.1%+0.0%
Q1 2021+0.1%+0.6%+0.5%
Q4 2020+0.1%+4.7%+9.4%
Q3 2020+4.5%+12.4%+31.6%
Q2 2020+3.8%+6.1%+3.6%
Q1 2020+7.3%+16.3%+27.4%
Q4 2019-0.4%+0.1%-42.5%
Q3 2019+0.6%+0.5%+3.4%
Q2 2019+0.7%+0.0%+3.4%
Q1 2019-0.1%-3.7%-6.0%
Q4 2018-3.2%-4.7%-4.2%
Q4 2017

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