📊 CGBD Key Takeaways
Is Carlyle Secured Lending, Inc. (CGBD) a Good Investment?
Carlyle Secured Lending is currently unprofitable with net losses and deteriorating diluted EPS (-36.1% YoY), indicating operational headwinds in the lending portfolio despite modest net income improvement. While strong operating cash flow of $212.4M and reasonable 1.24x debt/equity provide some financial stability, the absence of profitability visibility and accelerating per-share value destruction present elevated downside risk.
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.
Carlyle Secured Lending, Inc. Key Strengths (CGBD)
- Strong operating cash flow of $212.4M supports debt service and potential distributions despite net losses
- Balanced capital structure with 1.24x debt/equity ratio and positive stockholders equity of $1.1B reduces solvency risk
- Asset base of $2.6B with retained earnings cushion provides resilience for loan portfolio absorption
- 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
- Negative profitability with -$4.2M net income and -0.4% ROE indicates poor capital deployment and portfolio performance deterioration
- Diluted EPS collapsed 36.1% YoY despite net income improvement, signaling severe shareholder dilution and value destruction
- Low cash position of $97.2M relative to $1.4B debt and $2.6B assets limits flexibility for portfolio stress or covenant violations
- 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
- Time to profitability and quarterly net income trend
- Portfolio credit quality metrics including delinquency and charge-off rates
- Diluted share count trend and total shareholder return sustainability
- 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 Grade of C from Claude (C) and ChatGPT (B) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CGBD's key strengths?
Claude: Strong operating cash flow of $212.4M supports debt service and potential distributions despite net losses. Balanced capital structure with 1.24x debt/equity ratio and positive stockholders equity of $1.1B reduces solvency risk. 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: Negative profitability with -$4.2M net income and -0.4% ROE indicates poor capital deployment and portfolio performance deterioration. Diluted EPS collapsed 36.1% YoY despite net income improvement, signaling severe shareholder dilution and value destruction. 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 $28.7M 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 $-0.06.
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 grade reflects both perspectives for balanced insights.
What is CGBD's fundamental grade?
Based on our AI fundamental analysis in June 2026, Carlyle Secured Lending, Inc. has a C grade with 69% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CGBD stock overvalued or undervalued?
Valuation metrics for CGBD: ROE of -0.4% (sector avg: 15%), net margin of N/A (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
What is CGBD's AI grade for 2026?
Our dual AI analysis gives Carlyle Secured Lending, Inc. a combined C grade 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 $212.4M, 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 -0.4% (avg: 15%), current ratio N/A (avg: 1.8).