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Upturn AI Summary - About
Goldman Sachs BDC Inc(GSBD)
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 GSBD
10/30/2026: GSBD (1-star) is currently NOT-A-BUY. Pass it for now.
Goldman Sachs BDC Inc (GSBD) is a specialty finance company that provides credit to middle-market firms. By leveraging the extensive underwriting resources of Goldman Sachs, the company maintains a portfolio of senior secured loans aimed at generating consistent income. Its primary strength lies in its institutional backing, which supports reliable deal sourcing and credit management. Key risks include credit exposure to smaller companies, competition in the private credit market, and interest rate sensitivity. The stock is best suited for income-focused investors who understand the risks of BDC investments; stakeholders should monitor portfolio credit quality and the company’s ability to navigate changing interest rate cycles effectively.
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 | GSBD is structured as an income-generating vehicle rather than a high-growth capital appreciation stock. |
| Momentum investor | Weak fit | The stock generally trades based on credit cycles and interest rate sensitivity rather than breakout momentum. |
| Value investor | Mixed fit | Value investors may be interested in the relationship between the stock price and its net asset value (NAV). |
| Dividend investor | Strong fit | The company's primary objective is to provide current income to shareholders through regular dividend distributions. |
| Low-risk investor | Weak fit | As a BDC, the stock entails credit risk, leverage risk, and market volatility inherent in financial entities. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The share price is sensitive to fluctuations in the credit markets and macroeconomic indicators. |
| Valuation risk | Medium | Trading at a significant premium or discount to NAV can impact total returns. |
| Competition risk (private credit lenders) | High | Intense competition for quality loans can compress yields and pressure underwriting standards. |
| Business quality | Medium / high | Performance relies heavily on the quality of the external manager's credit selection and risk management. |
| Dividend income | Medium | Dividends depend on net investment income, which is subject to credit defaults and interest rate shifts. |
| Execution risk | Medium | Successful management of a leveraged portfolio requires precise credit underwriting and monitoring. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -13.61% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 17.17 | 1Y Target Price 8.94 |
Price to earnings Ratio 17.17 | 1Y Target Price 8.94 | ||
Volume (30-day avg) 800.0K shares | Beta 0.68 | 52 Weeks Range 7.89 - 10.03 | Updated Date 11/01/2026 |
52 Weeks Range 7.89 - 10.03 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 14.13% | Basic EPS (TTM) 0.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Interest Income | Interest earned on the portfolio of senior secured loans and other debt investments. | The company earns the majority of its money from interest payments made by the companies it lends to. |
| Fee Income | Structuring fees and other one-time fees associated with originating loans. | Additional revenue is generated from fees charged at the start of loan agreements. |
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 0.37 | Actual - |
Profitability
Profit Margin 17.19% | Operating Margin (TTM) 87.38% |
Management Effectiveness
Return on Assets (TTM) 5.13% | Return on Equity (TTM) 4.07% |
Valuation
Trailing PE 17.17 | Forward PE 10.78 | Enterprise Value 2.84B | Price to Sales(TTM) 2.96 |
Enterprise Value 2.84B | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 40.22 | Enterprise Value to EBITDA - | Shares Outstanding 112.57M | Shares Floating - |
Shares Outstanding 112.57M | Shares Floating - | ||
Percent Insiders 0.18 | Percent Institutions 46.92 |
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.
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