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ARCC Stock Analysis - ARES CAPITAL CORP AI Rating

ARCC Nasdaq MD CIK: 0001287750
Analysis Date: Mar 20, 2026 | Data as of: 2025-12-31
AI Rating
HOLD
65% Confidence

Investment Thesis

ARCC is a well-capitalized BDC with substantial assets and equity, but faces headwinds including declining profitability (down 14.7% YoY) and negative operating cash flow of -$1.7B, suggesting portfolio deterioration and significant dividend payouts exceeding net income. The moderate ROE of 9.1% and manageable leverage at 1.12x provide a reasonable financial cushion, though the negative free cash flow and margin compression warrant cautious observation.

ARCC Strengths

  • + Large asset base of $31.2B with significant equity cushion of $14.3B providing financial stability
  • + Debt-to-equity ratio of 1.12x is conservative for a BDC, indicating manageable leverage
  • + ROE of 9.1% demonstrates reasonable returns on shareholder capital despite challenging environment

ARCC Risks

  • ! Net income declined 14.7% YoY and EPS down 23.8%, indicating deteriorating portfolio performance and investment quality
  • ! Negative operating cash flow of -$1.7B and negative free cash flow suggest portfolio valuations are declining and dividend payments exceed earnings
  • ! High long-term debt of $16.0B relative to operating cash flow creates refinancing risk if credit markets tighten or portfolio deteriorates further

Key Metrics to Watch

ARCC Financial Metrics

Revenue
N/A
Net Income
$1.3B
EPS (Diluted)
$1.86
Free Cash Flow
$-1.7B
Total Assets
$31.2B
Cash Position
$638.0M

ARCC Profitability Ratios

Gross Margin N/A
Operating Margin N/A
Net Margin N/A
ROE 9.1%
ROA 4.2%
FCF Margin N/A

ARCC Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
1.12x
Debt/Assets
54.2%
Interest Coverage
N/A
Long-term Debt
$16.0B

ARCC 5-Year Financial Trend

ARCC 5-year financial data:
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: ARES CAPITAL CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.68 reflects profitable operations.

ARCC Growth Metrics (YoY)

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
N/A
Free cash flow / Revenue

ARCC Capital Allocation

Operating Cash Flow
-$1.7B
Cash generated from operations
Dividends Paid
$1.3B
Returned to shareholders

ARCC SEC Filings

Access official SEC EDGAR filings for ARES CAPITAL CORP (CIK: 0001287750)

Disclaimer: This analysis is generated by Claude AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 20, 2026 | Data as of: 2025-12-31 | Powered by Claude AI