📊 CGBD Key Takeaways
Is Carlyle Secured Lending, Inc. (CGBD) a Good Investment?
Carlyle Secured Lending exhibits concerning fundamental deterioration with negative free cash flow of -$204.6M and declining diluted EPS (-36.1% YoY), indicating the company is consuming capital despite modest net income growth. The high leverage ratio (1.31x Debt/Equity) combined with substantial long-term debt ($1.5B) and weak cash generation raises solvency concerns for a secured lending business model.
Carlyle Secured Lending shows stable absolute earnings and a sizable equity base, but the quality of growth is mixed because net income rose only slightly while diluted EPS fell sharply year over year. The balance sheet appears serviceable for a credit-focused lender, yet leverage is meaningful and deeply negative operating cash flow suggests investors should be cautious about earnings durability and funding quality.
Why Buy Carlyle Secured Lending, Inc. Stock? CGBD Key Strengths
- Positive net income of $70.0M with modest 1.2% YoY growth
- Moderate ROA of 2.5% demonstrates some asset productivity
- Stable equity base of $1.2B provides capital cushion
- Recent insider activity (3 Form 4 filings) suggests management engagement
- Net income remained positive and grew modestly year over year
- Equity of $1.17B provides a meaningful capital cushion against total assets of $2.79B
- ROE and ROA remain positive, indicating the portfolio is still generating profits
CGBD Stock Risks: Carlyle Secured Lending, Inc. Investment Risks
- Severe negative free cash flow of -$204.6M indicates unsustainable cash burn
- Diluted EPS collapsed 36.1% YoY, signaling deteriorating per-share economics
- High leverage (1.31x Debt/Equity) with $1.5B long-term debt limits financial flexibility
- Negative operating cash flow of -$204.6M suggests core business is not generating cash
- Low ROE of 6.0% is weak for a lending business and indicates inefficient equity deployment
- Diluted EPS declined 36.1% year over year, pointing to weaker per-share earnings quality
- Debt/equity of 1.31x and $1.53B of long-term debt create balance-sheet sensitivity if credit conditions worsen
- Operating cash flow was negative $204.56M, raising questions about cash generation and portfolio funding dynamics
Key Metrics to Watch
- Operating cash flow trend and path to positive cash generation
- Debt/Equity ratio management and refinancing capability
- Diluted EPS recovery and sustainability of net income
- Loan portfolio quality and impairment trends
- Interest coverage ratio when disclosed
- Per-share net investment income and diluted EPS trend
- Leverage, non-accruals, and operating cash flow trend
Carlyle Secured Lending, Inc. (CGBD) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CGBD Profit Margin, ROE & Profitability Analysis
CGBD vs Market Sector: How Carlyle Secured Lending, Inc. Compares
How Carlyle Secured Lending, Inc. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Carlyle Secured Lending, Inc. Stock Overvalued? CGBD Valuation Analysis 2026
Based on fundamental analysis, Carlyle Secured Lending, Inc. shows some fundamental concerns relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Carlyle Secured Lending, Inc. Balance Sheet: CGBD Debt, Cash & Liquidity
CGBD Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Carlyle Secured Lending, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.64 reflects profitable operations.
CGBD Revenue Growth, EPS Growth & YoY Performance
Carlyle Secured Lending, Inc. Dividends, Buybacks & Capital Allocation
CGBD SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Carlyle Secured Lending, Inc. (CIK: 0001544206)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CGBD
What is the AI rating for CGBD?
Carlyle Secured Lending, Inc. (CGBD) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CGBD's key strengths?
Claude: Positive net income of $70.0M with modest 1.2% YoY growth. Moderate ROA of 2.5% demonstrates some asset productivity. ChatGPT: Net income remained positive and grew modestly year over year. Equity of $1.17B provides a meaningful capital cushion against total assets of $2.79B.
What are the risks of investing in CGBD?
Claude: Severe negative free cash flow of -$204.6M indicates unsustainable cash burn. Diluted EPS collapsed 36.1% YoY, signaling deteriorating per-share economics. ChatGPT: Diluted EPS declined 36.1% year over year, pointing to weaker per-share earnings quality. Debt/equity of 1.31x and $1.53B of long-term debt create balance-sheet sensitivity if credit conditions worsen.
What is CGBD's revenue and growth?
Carlyle Secured Lending, Inc. reported revenue of N/A.
Does CGBD pay dividends?
Carlyle Secured Lending, Inc. pays dividends, with $104.0M distributed to shareholders in the trailing twelve months.
Where can I find CGBD SEC filings?
Official SEC filings for Carlyle Secured Lending, Inc. (CIK: 0001544206) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CGBD's EPS?
Carlyle Secured Lending, Inc. has a diluted EPS of $1.01.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CGBD a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Carlyle Secured Lending, Inc. has a SELL rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CGBD stock overvalued or undervalued?
Valuation metrics for CGBD: ROE of 6.0% (sector avg: 15%), net margin of N/A (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy CGBD stock in 2026?
Our dual AI analysis gives Carlyle Secured Lending, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CGBD's free cash flow?
Carlyle Secured Lending, Inc.'s operating cash flow is $-204.6M, with capital expenditures of N/A.
How does CGBD compare to other Market stocks?
Vs Default sector averages: Net margin N/A (avg: 12%), ROE 6.0% (avg: 15%), current ratio N/A (avg: 1.8).