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MSC Income Fund Inc. (MSIF) — RQD Stock Rating Cockpit

$11.93 +0.51% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $11.92

MSC Income Fund Inc. (MSIF) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $538.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MSIF Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MSIF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, MSC Income Fund Inc. (NYSE: MSIF) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $11.93 (+0.51% 1D, market cap $538.2M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 4/20, and Executive Insider Alignment 8/20. Across 1097 tracked Financials issuers, MSIF ranks #976 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MSIF compare to NMCO and SLRC in the Financials sector?
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Within the Financials sector (Finance/Investors Services), MSIF carries a Roarable D- (35/100 RQD), trailing P/E of 6.1x, gross margin of —, and ROIC of 12.0%. By comparison, NMCO (Nuveen Municipal Credit Opportunities Fund) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $489.7M) and SLRC (SLR Investment Corp.) posts a E grade (32/100 RQD, P/E 7.0x, ROIC 9.3%, cap $634.5M). Among the 5-stock peer group, MSIF leads on earnings multiple (6.1x) while MSIF leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MSIF?
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Per MSIF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001535778), MSC Income Fund Inc. generated $580.0M in revenue (+12.8% YoY), $88.7M in net income, and -$70.3M in free cash flow against $1.38B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $11.92 (-0.10%)🧬 Disciplined Float (+1.08% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (35/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.5% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510035
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D-
Cash (6)Whales (7)SEC (10)Macro (4)CEO (8)
Each axis scored 0–20
12M PRICE TARGET CONE-10.3% Base Target
$15 Bull$11 Base$8 Bear
📬 FREE MSIF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MSIF)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (35/100 Composite)
🔍 WHY MSIF SCORES 35/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+8/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 40% Net Buy • Disciplined Float (+1.08% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit4/20 pts (-16 pt drag)

Macro rate sensitivity & RSI-14 (51.2) create a -16 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
27
Grade E$11.83-3% Next Q
Q2 (-2Q)
30
Grade E$11.47+2.3% Next Q
Q3 (-1Q)
32
Grade E$11.73+1.7% Next Q
Current
35
Grade D-$11.93-8.5% Hist 90D α
Trajectory: E (27) → D- (35)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MSIF Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MSIF currently carries a cautious 35/100 (D-) rating due to Macro Regime Fit (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.11) and Max Pain ($12.53) forces dealer call-delta covering toward $15.18.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+1.08% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MSIF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MSIF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 35%NO 65%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
51.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
2 / 99-Pt Accounting
52-WEEK LASER RANGE31% OF RANGE
L: $11$11.93H: $14
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 6 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 15 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 14 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on MSIF

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (30)

12.0% ROIC with 42.0% gross margin and -12.98% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (50)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (32)

15/40 institutional & smart-money positioning score with 4/20 macro alignment.

Bull Case: Why Buyers Like MSIF
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MSIF)

  • ✓Walkthrough of MSIF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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MSIF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -9.62%⚡ TESTING RESISTANCE
2026-11-03O $11.95H $11.95L $11.87C $11.93VOL 150.8K
RES: $12.00SUP: $11.31SMA50: $12.11SMA200: $12.27
$13.96$13.10$12.25$11.39$10.53RES $12.00SUP $11.31$11.932026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MSIF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MSIF Butterfly Map → + Track MSIF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-10.5%/yr Implied 5Y Growth

vs. +12.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MSIF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MSIF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MSIF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MSIF)

Financials Rank #976 of 1097 ⚔️ NMCO vs MSIF Full Matrix →

1. Head-to-Head Financials Peer Comparison (MSIF vs. NMCO, SLRC, NMFC, BCSF)

Industry: Finance/Investors Services (37 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, MSC Income Fund Inc. (MSIF) ranks #976 by composite RQD confidence (35/100, grade D-) and #683 by equity capitalization ($538.2M). Within this direct 5-issuer industry benchmark cohort, MSIF leads on earnings valuation at 6.1x trailing P/E, while MSIF leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. NMCO currently holds the highest overall quantitative score in the immediate peer group at 45/100 (D) compared with MSIF at 35/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MSIF ACTIVE
MSC Income Fund Inc.
D- 35/100 6.1x — 12.0% +0.51% $538.2M Benchmark Subject
NMCO
Nuveen Municipal Credit Opportunities Fund
D 45/100 — — — -0.22% $489.7M /nmco-vs-msif →
SLRC
SLR Investment Corp.
E 32/100 7.0x — 9.3% +1.55% $634.5M /slrc-vs-msif →
NMFC
New Mountain Finance Corporation
D 45/100 40.3x — 1.4% +1.14% $664.0M /nmfc-vs-msif →
BCSF
Bain Capital Specialty Finance Inc.
D 45/100 7.1x — 8.8% +1.39% $698.6M /bcsf-vs-msif →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001535778 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MSC Income Fund Inc. (MSIF) reported GAAP revenue of $580.0M (+12.8% vs. FY2024 revenue of $514.4M , and +94.7% cumulative change since FY2023) , GAAP net income of $88.7M, operating cash flow of -$70.3M, and free cash flow of -$70.3M (-150.6% YoY). On the balance sheet, MSIF closed FY2025 with $1.38B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $580.0M $88.7M -$70.3M -$70.3M $1.38B —
FY2024 (FY) 2024-12-31 $514.4M $56.6M -$28.1M -$28.1M $1.22B —
FY2023 (FY) 2023-12-31 $297.9M $66.2M $50.2M $50.2M — —

3. MSIF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MSIF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, MSC Income Fund Inc. (NYSE: MSIF) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $11.93 (+0.51% 1D, market cap $538.2M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 4/20, and Executive Insider Alignment 8/20. Across 1097 tracked Financials issuers, MSIF ranks #976 in composite RQD confidence.

How does MSIF compare to NMCO and SLRC in the Financials sector?

Within the Financials sector (Finance/Investors Services), MSIF carries a Roarable D- (35/100 RQD), trailing P/E of 6.1x, gross margin of —, and ROIC of 12.0%. By comparison, NMCO (Nuveen Municipal Credit Opportunities Fund) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $489.7M) and SLRC (SLR Investment Corp.) posts a E grade (32/100 RQD, P/E 7.0x, ROIC 9.3%, cap $634.5M). Among the 5-stock peer group, MSIF leads on earnings multiple (6.1x) while MSIF leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MSIF?

Per MSIF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001535778), MSC Income Fund Inc. generated $580.0M in revenue (+12.8% YoY), $88.7M in net income, and -$70.3M in free cash flow against $1.38B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MSIF trading relative to its 50-day, 200-day, and 52-week technical levels?

MSIF last traded at $11.93 (+0.51% on volume of 121,456 shares), positioning the stock -1.49% below its 50-day simple moving average ($12.11) and -2.77% below its 200-day simple moving average ($12.27). Across its 52-week range of $10.80 to $14.46, MSIF sits at the 30.9% percentile with a 14-day RSI of 51.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($11.31 to $12.55).

Direct Sub-Reports: MSIF RQD Cockpit MSIF 12M Forecast MSIF Earnings & Move MSIF Dividends & DRIP MSIF Insiders & 13F MSIF Whale Options MSIF Profit Sankey MSIF News & Why
ROARABLE RATING BRIEF • RQD 35/100 (D-) ✓ SEC XBRL & RQD VERIFIED

MSIF — MSC Income Fund Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

MSC Income Fund Inc. (MSIF) earns a live Roarable RQD composite score of 35/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $11.93 (+0.51% 1D, market capitalization $538.2M).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of 12.0%, gross margin of —, operating margin of —, and free cash flow yield of -12.98%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (8/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (4/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

MSC Income Fund Inc. Is listed on the NYSE and classified in the Financials sector, Finance/Investors Services industry,. The company's market capitalization is $0.5B. — describes its products, customers, or revenue model in detail.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), MSC Income Fund Inc. (MSIF) reported $580.0M in annual revenue (up from $514.4M in FY2024, +12.8% YoY) and $88.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($297.9M revenue, $66.2M net income) through FY2025, MSIF scaled operating cash flow to -$70.3M and free cash flow to -$70.3M, backed by $1.38B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 35/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -12.98% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $10.80 – $14.46 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 6.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be mapped from the source data.

  • Key Question #1: Can MSIF sustain or expand its — operating margin and 12.0% ROIC against Finance/Investors Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $580.0M and free cash flow of -$70.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MSIF's 5.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MSIF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for MSC Income Fund Inc. (MSIF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MSIF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MSIF Bull vs. Bear Conversation Board — What's Your Call at $11.93?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MSIF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MSIF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $14.84 (+25.0%)
📌 Pinned Debate

Low valuation with a 5.7 forward P/E and a 12% ROIC, plus an Oppenheimer Outperform initiation with a $15 price target.

Don't sleep on MSIF's setup in Financials. Low valuation with a 5.7 forward P/E and a 12% ROIC, plus an Oppenheimer Outperform initiation with a $15 price target.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (35/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@RiskArb_Desk Fair point on 6.1x trailing P/E, but you're ignoring the forward operating leverage in Finance/Investors Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $9.61 (-19.0%)
Spot @ $11.87

Negative free cash flow (-12.98% FCF yield, -$70.3M in FY 2025) and a weak 2/9 Piotroski score signal vulnerable cash flow and balance-

Sitting on the sidelines or leaning short MSIF above $11.87. Negative free cash flow (-12.98% FCF yield, -$70.3M in FY 2025) and a weak 2/9 Piotroski score signal vulnerable cash flow and balance-sheet quality.. Until Fundamental Cash Engine (6/20) and FCF yield (-12.98%) inflect higher, upside is capped near $14.46.

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