MSC Income Fund, Inc. (MSIF) stock analysis
Close on Nov 11, 2026Market cap $567.27MP/E –Yield 11.51%
StockData Score
Prices as of Nov 11, 2026How the score works
Weak6 of 30 checks passed
MSC Income Fund passes 6 of the 30 checks behind our score; 21 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 0/6
- Past performance
- 1/6
- Financial health
- 0/6
- Dividend
- 4/6
What stands out
Covered by earnings
Dividends take 75.3% of net income.
P/B below the industry
MSC Income Fund's price-to-book of 0.76 is below the US market median of 1.92.
Return on equity above the industry
MSC Income Fund's return on equity of 12.2% is above the US market median of 3.5%.
Pays a dividend
MSC Income Fund paid dividends worth 9.3% of the share price over the last twelve months.
What to watch
Return on equity under 15%
Return on equity was 12.2% over the last twelve months and averaged 10.5% over five years; we look for 15% on both.
EPS growing under 10% a year
Diluted EPS grew 0.3% a year over the last three fiscal years.
Elevated bankruptcy risk
The Altman Z-score is 0.48; above 3 is the safe zone and below 1.8 the distress zone.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA against its history
Needs positive EBITDA and price history.
P/B below the industry
MSC Income Fund's price-to-book of 0.76 is below the US market median of 1.92.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growing under 10% a year
Diluted EPS grew 0.3% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growth against the industry
Needs revenue for this year and last.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
This company does not report gross profit.
Past performance1/6
Return on equity under 15%
Return on equity was 12.2% over the last twelve months and averaged 10.5% over five years; we look for 15% on both.
Return on invested capital
Needs operating income and invested capital.
Return on equity above the industry
MSC Income Fund's return on equity of 12.2% is above the US market median of 3.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health0/6
Debt level
Needs debt and equity figures.
Debt trend
Needs a balance sheet from five years ago with positive equity.
Debt coverage
Needs operating cash flow.
Interest coverage
Interest expense is not reported separately.
Short-term liquidity
The balance sheet is not split into current and non-current items.
Elevated bankruptcy risk
The Altman Z-score is 0.48; above 3 is the safe zone and below 1.8 the distress zone.
Dividend4/6
Pays a dividend
MSC Income Fund paid dividends worth 9.3% of the share price over the last twelve months.
Yield above Treasuries
The 9.3% yield is above the 4.4% on a 1-year Treasury.
Yield in the top quarter
The top quarter of US dividend payers yield 3.8% or more; MSC Income Fund yields 9.3%.
Dividend stability
Fewer than five years of dividend history.
Covered by earnings
Dividends take 75.3% of net income.
Cash-flow cover
Needs dividends paid and free cash flow.
Fair value
How we estimate itWe don't publish a fair value for MSC Income Fund. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 8.3
- US market median 19.5
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Medium risk
- Average value traded per day
- $2.05M
- Value traded per 1% price move
- $2.12M
Downside
Low risk
- Typical loss in a bad month
- 8.8%
- Volatility (annualized)
- 27%
- Sharpe ratio, 1 year
- 0.04
- Beta to the S&P 500 (5Y)
- –
Typical bad-month loss, week by week
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Net income | +56.9% | +24.9% | – | – | |
| EPS, diluted | -0.7% | +0.3% | – | – | |
| Dividend per share | -0.7% | +3.7% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 13.0% | |
| Return on assets | – | – | 6.8% | |
| Diluted shares | – | – | 46M |
Cash use needs five years of cash flow figures
MSC Income Fund does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$88.73M
- Cash generatingOperating cash flow above zero-$70.35M
- Return on assets improvedROA up on the prior year5.0% → 7.2%
- Earnings backed by cashOperating cash flow above net income-$70.35M vs $88.73M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise40M → 46M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –
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