ARCCMEDIUM SIGNALFINANCIAL10-K

ARCC significantly expanded its loan portfolio with total assets growing 10.6% to $31.2B while debt increased 16.5% to $16.0B, but net income declined 14.7% despite the growth.

The substantial increase in debt financing relative to asset growth suggests ARCC is leveraging up to fund expansion, which could amplify returns but also increases financial risk. The decline in net income despite asset growth indicates potential margin compression or credit quality issues that warrant monitoring.

Comparing 2026-02-04 vs 2025-02-05View on EDGAR →
FINANCIAL ANALYSIS

ARCC demonstrated significant balance sheet expansion with total assets growing 10.6% to $31.2B and total debt increasing 16.5% to $16.0B, indicating aggressive growth financing through increased leverage. However, this growth came at a cost as net income declined 14.7% to $1.3B, suggesting margin pressure or portfolio quality concerns. Operating cash flow improved 19.3% while dividend payments increased 11% to $1.3B, showing the BDC maintained its distribution policy despite earnings headwinds.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+19.3%
-$2.1B-$1.7B

Operating cash flow grew 19.3% — strong conversion of earnings to cash, healthy business fundamentals.

Total Debt
Balance Sheet
+16.5%
$13.7B$16.0B

Debt rose 16.5% — additional borrowing for investment or operations; monitor coverage ratios.

Net Income
P&L
-14.7%
$1.5B$1.3B

Net income declined 14.7% — review whether driven by operations, interest costs, or non-recurring items.

Total Liabilities
Balance Sheet
+13.5%
$14.9B$16.9B

Liabilities increased 13.5% — monitor debt-to-equity ratio and interest coverage.

Dividends Paid
Cash Flow
+11%
$1.1B$1.3B

Dividend payments increased 11% — management confidence in sustained cash generation.

Total Assets
Balance Sheet
+10.6%
$28.3B$31.2B

Asset base grew 10.6% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-04
PRIOR — 2025-02-05
ADDED
and CrossPoint Capital AS SPV, LP ., First lien senior secured loan 2025-12-31 0001287750 Activate Holdings (US) Corp.
and CrossPoint Capital AS SPV, LP ., First lien senior secured loan 1 2025-12-31 0001287750 Activate Holdings (US) Corp.
First lien senior secured revolving loan 2025-12-31 0001287750 Aptean, Inc.
and Packers Software Intermediate Holdings, Inc., Series A-3 preferred shares 2025-12-31 0001287750 arcc:CardinalParentIncAndPackersSoftwareIntermediateHoldingsIncMember 2025-12-31 0001287750 Cascade Parent Inc., Cascade Intermediate II, Inc., and Haveli Cascade Co-Invest I, L.P.
First lien senior secured Loans 2025-12-31 0001287750 Cascade Parent Inc., Cascade Intermediate II, Inc., and Haveli Cascade Co-Invest I, L.P.
+7 more — sign up free →
REMOVED
and CrossPoint Capital AS SPV, LP, First lien senior secured loan 2024-12-31 0001287750 Activate Holdings (US) Corp.
and CrossPoint Capital AS SPV, LP, First lien senior secured loan 1 2024-12-31 0001287750 Activate Holdings (US) Corp.
and CrossPoint Capital AS SPV, LP, Limited partnership interest 2024-12-31 0001287750 arcc:ActivateHoldingsUSCorp.AndCrossPointCapitalASSPVLPMember 2024-12-31 0001287750 AI Titan Parent, Inc., First lien senior secured loan 2024-12-31 0001287750 Anaplan, Inc., First lien senior secured loan 1 2024-12-31 0001287750 Anaplan, Inc., First lien senior secured loan 2 2024-12-31 0001287750 arcc:AnaplanIncMember 2024-12-31 0001287750 Anaqua Parent Holdings, Inc.
Astorg VII Co-Invest Anaqua, First lien senior secured loan 1 2024-12-31 0001287750 Anaqua Parent Holdings, Inc.
Astorg VII Co-Invest Anaqua, First lien senior secured loan 2 2024-12-31 0001287750 Anaqua Parent Holdings, Inc.
+7 more — sign up free →
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