Provides debt financing to lower middle market companies. Offers equity investments to support growth and acquisitions. Now — the numbers.
This is an established company with proven profits.
An average decline of 11% a year over the last 4 years — the most striking risk in this picture.
The market pays 3.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 80% of them.
Analysts' average target sits 7% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 12 months, company executives reported 5 buys and 0 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.96 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 11% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 18/100.
The growth engine is running at low revs right now. Report-card grade: 29/100.
On our five-subject report card, GAIN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: GAIN does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.