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Upturn AI Summary - About
BlackRock Credit Allocation Income Trust(BTZ)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BTZ
09/25/2026: BTZ (1-star) is currently NOT-A-BUY. Pass it for now.
BlackRock Credit Allocation Income Trust (BTZ) is a closed-end fund managed by BlackRock that seeks to provide current income and capital appreciation through a diversified portfolio of credit securities. The fund benefits from the extensive research capabilities of its parent company and provides a structured way for retail investors to gain exposure to credit markets. While the fund is well-regarded for its income distribution, it carries risks associated with interest rate volatility and the use of financial leverage. Investors should consider the fund's propensity to trade at a discount to NAV. This fund is primarily suitable for income-focused investors who can tolerate market and volatility-related risks.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | This is primarily an income-oriented vehicle rather than a capital appreciation play. |
| Momentum investor | Mixed fit | Momentum may be relevant when credit markets are in a sustained rally, provided a positive upturn signal. |
| Value investor | Strong fit | Investors often look for opportunities to buy the fund when it trades at a significant discount to its NAV. |
| Dividend investor | Strong fit | The fund is specifically designed to provide regular monthly income distributions. |
| Low-risk investor | Weak fit | The use of leverage and exposure to credit markets introduces volatility not suitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Market fluctuations can cause share prices to diverge significantly from the underlying NAV. |
| Valuation risk | Medium | Buying at a premium or selling at a discount impacts total shareholder return. |
| Competition risk (fixed-income fund competition) | Medium | Investors may rotate into other higher-yielding funds if performance lags. |
| Business quality | Strong | BlackRock is a major global asset manager, providing institutional-grade management infrastructure. |
| Dividend income | Medium / high | Distributions are not guaranteed and depend on the income generated by the underlying credit portfolio. |
| Execution risk | Medium | The ability of managers to correctly time credit market shifts and manage leverage is critical. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 6.8% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 877.25M USD | Price to earnings Ratio 15.29 | 1Y Target Price - |
Price to earnings Ratio 15.29 | 1Y Target Price - | ||
Volume (30-day avg) 367.6K shares | Beta 0.74 | 52 Weeks Range 9.23 - 10.26 | Updated Date 09/27/2026 |
52 Weeks Range 9.23 - 10.26 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 10.71% | Basic EPS (TTM) 0.62 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Investment Management Fees | Fees charged on the total assets of the fund, including assets attributable to leverage. | The fund earns money primarily through management fees deducted from the portfolio's assets. |
Valuation
Trailing PE 15.29 | Forward PE - | Enterprise Value 1.35B | Price to Sales(TTM) 10.03 |
Enterprise Value 1.35B | Price to Sales(TTM) 10.03 | ||
Enterprise Value to Revenue 15.37 | Enterprise Value to EBITDA - | Shares Outstanding 93.32M | Shares Floating - |
Shares Outstanding 93.32M | Shares Floating - | ||
Percent Insiders - | Percent Institutions 37.36 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About BlackRock Credit Allocation Income Trust
Exchange NYSE | Headquarters New York, NY, United States | ||
IPO Launch date 2006-12-22 | CEO - | ||
Sector Financial Services | Industry Asset Management | Full time employees - | |
Full time employees - | |||
BlackRock Credit Allocation Income Trust is a closed ended balanced mutual fund launched by BlackRock, Inc. The fund is co-managed by BlackRock Advisors, LLC and BlackRock (Singapore) Limited. It invests in the fixed income markets across the globe. For the fixed income portion of the portfolio, the fund primarily invests in securities with an average credit quality of BBB by Standard & Poor's Corporation. It invests in investment grade corporate bonds, high yield bonds, bank loans, preferred securities or convertible bonds or derivatives. The fund was formerly known as BlackRock Preferred & Equity Advantage Trust. BlackRock Credit Allocation Income Trust was formed on December 27, 2006 and is domiciled in the United States.
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