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    CSWC
    Earnings call· Jun 2026(Q1 FY27)

    CAPITAL SOUTHWEST Q1 FY27 earnings call CSWC

    Aug 4, 2026 Source

    Executive summary

    Capital Southwest Q1 FY27 — Strong Originations and Capitalization Amidst Competitive Market

    Capital Southwest delivered strong Q1 FY27 results, driven by robust origination activity totaling $222 million and significant growth in its credit portfolio. The company successfully leveraged its ATM program to raise accretive capital, reinforcing its strong capitalization. Despite a competitive credit environment and a slight decline in NAV per share, management remains confident in its ability to grow its UTI balance and continue supplemental dividends, supported by a strong pipeline and disciplined underwriting.

    Highlights

    5
    • Generated pre-tax net investment income of $0.57 per share.

    • Closed $222 million in total new commitments across 11 new and 16 existing portfolio companies.

    • On-balance sheet credit portfolio grew 24% year-over-year to $2 billion.

    • Raised $64 million in gross equity proceeds through ATM program at 141% of NAV.

    • Weighted average yield on debt portfolio increased to 10.9% from 10.8% in the previous quarter.

    Concerns

    3
    • Undistributed taxable income (UTI) balance declined to $0.87 per share due to book-to-tax differences.

    • NAV per share decreased to $16.61 from $16.69 due to net realized/unrealized depreciation and annual equity grant.

    • Competitive and tighter spread credit environment noted in the lower middle market.

    Guidance & targets

    10
    CategoryTargetConfidence
    Operating leverage
    1.4% to 1.5%
    medium materiality
    High
    Capturing JV investment strategy
    low leverage, high-quality investments
    medium materiality
    High
    Origination volume
    $250 million to $300 million
    high materiality
    Medium
    Origination mix (new platform companies)
    75%
    medium materiality
    Medium
    Origination mix (add-on companies)
    25%
    medium materiality
    Medium
    Average origination size
    $15 million and $20 million
    low materiality
    High
    Undistributed taxable income (UTI) balance
    increase
    high materiality
    High
    Corporate credit facility amendment details
    further details
    medium materiality
    High
    Headcount
    continue to add resources
    low materiality
    High
    Capturing JV ramp-up timeline
    12 to 15 months
    high materiality
    Medium

    Segment performance

    3
    SegmentRevenueYoYQoQMargin
    Credit Portfolio (on-balance sheet)
    The on-balance sheet credit portfolio grew significantly year-over-year, maintaining high first-lien exposure and strong credit quality. The weighted average yield increased, driven by attractive spread economics.
    Total balance: $2 billionFirst-lien senior secured: 99%Weighted average exposure per company: 0.8%Weighted average yield: 10.9%Weighted average leverage through security: 3.7x EBITDACash flow coverage: 3.6xInvestment rating 1 or 2: 89% at fair value
    24%
    Equity Co-investment Portfolio
    This portfolio continues to provide meaningful upside participation in growing lower middle market businesses, reflecting strong embedded unrealized appreciation.
    Number of investments: 95Total fair value: $202 millionPercentage of total portfolio at fair value: 9%Marked at cost: 121%Embedded unrealized appreciation: $34.4 millionEmbedded unrealized appreciation per share: $0.54
    Capturing Partners (Joint Venture)
    The joint venture secured a $150 million revolving credit facility to scale operations, focusing on originating low-leverage, high-quality investments with a strong target return.
    Total assets: $98 millionNumber of portfolio companies: 14Investment type: First-lien securitiesWeighted average leverage: 1.2x debt to EBITDATarget return once fully ramped: 13% to 15%

    Operational metrics

    53
    Pre-tax net investment income
    $35 million
    Q1 FY27
    Undistributed taxable income (UTI)
    $0.87declined this quarter
    Q1 FY27 end

    Declined due to book-to-tax differences related to annual cash bonus payments and equity award vesting.

    Regular dividend
    $0.58
    September quarter

    Payable monthly in July, August, and September 2026.

    Supplemental dividend
    $0.06
    September quarter

    Payable in September.

    Total dividends declared
    $0.64
    September quarter

    Sum of regular and supplemental dividends.

    Total new commitments
    $222 million
    Q1 FY27
    Add-on financings as % of total new commitments
    over 25%
    Q1 FY27
    Deals screened
    1,300up from 1,200 in FY25 and 1,000 in FY24
    LTM
    Close rate
    1.5%down from 1.7% in FY24
    Current
    Weighted average senior leverage
    2.8x
    Q1 FY27
    Weighted average loan-to-value
    29%
    Q1 FY27
    Weighted average senior leverage
    3.1x
    LTM
    Weighted average loan-to-value
    34%
    LTM
    Average position size
    0.8%
    Q1 FY27

    Helps mitigate company-specific risk.

    Weighted average yield on debt portfolio
    10.9%up from 10.8% in previous quarter
    Q1 FY27
    Gross equity proceeds raised via ATM
    $64 million
    Q1 FY27
    Weighted average share price (ATM)
    $23.47
    Q1 FY27
    ATM price to NAV multiple
    141%
    Q1 FY27

    Of prevailing NAV per share.

    BDCs trading above book
    6down from 17 on June 30, 2024
    June 30, 2026
    Median BDC price-to-book multiple
    0.73xdeclined from 0.96x over two-year period
    Current
    Capital Southwest price-to-book multiple
    1.2x to 1.5x
    Current

    Range over the period.

    New committed capital
    $222 million
    Q1 FY27
    Add-on financing
    $49 million
    Q1 FY27
    On-balance sheet credit portfolio
    $2 billion24% year-over-year growth from $1.6 billion as of June 2025
    Q1 FY27 end
    New debt originations (first-lien senior secured)
    100%
    Q1 FY27
    Credit portfolio (first-lien senior secured)
    99%
    Q1 FY27 end
    Credit portfolio (sponsor-backed)
    92%
    Q1 FY27 end
    Equity co-investment portfolio fair value
    $202 million
    Q1 FY27 end
    Equity co-investment portfolio marked at cost
    121%
    Q1 FY27 end
    Embedded unrealized appreciation
    $34.4 million
    Q1 FY27 end
    Unique private equity firms in portfolio
    95
    Q1 FY27 end
    New platform investments with new sponsors
    20
    LTM
    Private equity firms with multiple deals
    over 20%
    Since credit strategy launch
    Total portfolio companies
    141
    Q1 FY27 end
    Portfolio allocation (first-lien senior secured debt)
    89.6%
    Q1 FY27 end
    Portfolio allocation (second-lien senior secured debt)
    1.1%
    Q1 FY27 end
    Portfolio allocation (equity co-investments)
    9.2%
    Q1 FY27 end
    Investment rating 1 or 2
    89%
    Q1 FY27 end

    On a 5-point scale, 1 being highest.

    Cash flow coverage
    3.6xup from 2.9x low during peak of base rates
    Q1 FY27 end
    Total investment income
    $61 millionup from $57.8 million in prior quarter
    Q1 FY27
    Cash interest income increase
    $2.6 million
    Q1 FY27

    Increase from prior quarter.

    PIK interest income increase
    $1.1 million
    Q1 FY27

    Increase from prior quarter, driven by an amendment to one portfolio company.

    Loans on non-accrual
    1.1%flat from prior quarter end
    Q1 FY27 end
    Cumulative dividend coverage
    109%
    Since credit strategy launch
    LTM operating leverage
    1.4%meaningful improvement from 1.7% a year ago (June 2025)
    LTM
    BDC industry median operating leverage
    2.6%
    Current
    NAV per share
    $16.61down from $16.69 per share in prior quarter
    Q1 FY27 end
    Liquidity
    $375 million
    Q1 FY27 end
    Coverage of unfunded commitments
    1.2x
    Q1 FY27 end
    Regulatory leverage
    0.91 to 1
    Q1 FY27 end
    Capturing JV revolving credit facility
    $150 million
    Q1 FY27

    Provides liquidity to increase scale.

    Capturing JV assets
    $98 million
    Q1 FY27 end
    Capturing JV weighted average leverage
    1.2x
    Q1 FY27 end

    Industry KPIs

    2
    MetricValueDetails
    Cet1 ratio0.91 to 1debt to equity
    Net interest income$35 millionUSD

    Deals & partnerships

    1
    Trinity CapitalCapturing Partners joint venture

    The JV currently holds $98 million in first-lien securities in 14 portfolio companies with 1.2x debt to EBITDA weighted average leverage.

    Risks & headwinds

    4
    Shareholder approval for authorized sharesPrior to September 1 meeting date

    Requires affirmative vote of holders of at least two-thirds of all outstanding shares; 89% of votes cast are in favor, but failure to vote has same effect as vote against.

    Mitigation: Encouraging all shareholders to cast affirmative vote; ISS and Glass Lewis recommend voting for the proposal.

    Competitive and tighter spread credit environment in lower middle marketCurrent

    Not explicitly quantified, but noted as a general market condition.

    Mitigation: Leveraging strong sponsor relationships, expanded investment staff, and the Capturing JV to source and win transactions with compelling risk-return profiles.

    Decline in undistributed taxable income (UTI) balanceQ1 FY27

    Declined to $0.87 per share this quarter.

    Mitigation: Visibility on an equity realization expected to close in the near term to generate realized gain and increase UTI balance; significant unrealized appreciation across equity portfolio.

    NAV per share decreaseQ1 FY27

    Decreased to $16.61 per share from $16.69 per share.

    Mitigation: Primary drivers were net realized and unrealized depreciation and annual equity grant, offset by accretive ATM program.

    What to watch in Q2 FY27

    5

    Shareholder vote on authorized shares

    Prior to September 1 meeting.
    Current89% of votes cast in favor, but requires 2/3 of all outstanding shares.
    TargetApproval of the proposal.

    Why it matters

    Crucial for company's flexibility to execute growth strategy and issue accretive equity for investment opportunities.

    We would encourage all shareholders who have not voted or have voted against the proposals to support the company by casting their affirmative vote prior to the September 1 meeting date.

    Q&A highlights

    6

    What were the average or range of spreads on the 11 new portfolio companies, and are there common industry themes or is it diverse?

    Spreads for new companies ranged from 5.75% to 7%, with some uplift from the Capturing JV. Industry diversification remains broad, consistent with the overall portfolio, with no specific industry focus. Add-on investments also contributed to higher yields.

    I mean, I saw the coupons. I think they ranged between 5.75% and I'd say as high as 7%. And some of the uplift in our spreads this quarter were due to [ capturing ] starting to take shape. But we've had additional first-out, last-out positions. So the yield on our last position is a little bit higher.

    asked by Erik Zwick · answered by Michael Sarner

    2 min read6 chapters

    Detailed Narrative

    01

    Shareholder Proposal for Authorized Shares

    Capital Southwest is actively seeking shareholder approval to increase its authorized shares, a proposal supported by approximately 89% of votes cast to date. However, approval requires two-thirds of all outstanding shares under Texas law, making broad shareholder participation critical. This flexibility is essential for the company to continue its growth strategy and issue accretive equity when attractive investment opportunities arise, with both ISS and Glass Lewis recommending a vote in favor.

    02

    Origination Strategy and Pipeline Strength

    The company demonstrated robust origination activity, closing $222 million in new commitments, including significant add-on financings that accounted for over 25% of the total. This reflects a disciplined underwriting approach, with new platform deals averaging 2.8x senior leverage and 29% loan-to-value. The investment pipeline continues to expand, with 1,300 deals screened over the last 12 months, indicating increased market penetration and a consistent focus on high-quality opportunities.

    03

    Portfolio Quality and Diversification

    Capital Southwest's on-balance sheet credit portfolio grew 24% year-over-year to $2 billion, with 99% invested in first-lien senior secured debt. The portfolio maintains strong diversification with an average position size of 0.8% per company and 92% sponsor-backed investments. The weighted average yield on the debt portfolio increased to 10.9%, driven by attractive spread economics despite a competitive credit environment, underscoring the quality of new originations.

    04

    Capitalization and Liquidity Management

    The company successfully raised $64 million in gross equity proceeds through its ATM program at a weighted average share price of $23.47, representing 141% of the prevailing NAV per share. This highlights Capital Southwest's differentiated ability to raise accretive capital in a market where few BDCs trade above book value. Liquidity remains robust at $375 million, providing 1.2x coverage of unfunded commitments, and regulatory leverage stands at a conservative 0.91x debt to equity.

    05

    Capturing Partners Joint Venture Progress

    The Capturing Partners joint venture with Trinity Capital made significant progress, securing a $150 million revolving credit facility to facilitate its scaling. The JV currently holds $98 million in first-lien securities across 14 portfolio companies, with a weighted average leverage of 1.2x debt to EBITDA. This structure is designed to originate lower-leverage, high-quality investments and is expected to produce a 13-15% return once fully ramped, potentially faster than initially projected.

    06

    Operating Efficiency and Shareholder Returns

    Capital Southwest continues to demonstrate strong operating leverage, ending the quarter at 1.4%, a meaningful improvement from 1.7% a year ago and significantly better than the BDC industry median of 2.6%. This efficiency, stemming from its internally managed model, allows for investment in talent and infrastructure while delivering fixed-cost leverage. The company declared total dividends of $0.64 per share for the September quarter, maintaining strong cumulative coverage.

    AI-generated summary of the company’s earnings call. Not investment advice.