BNLMEDIUM SIGNALFINANCIAL10-K

BNL expanded its real estate portfolio while experiencing a significant decline in net income despite improved operating performance.

The company grew its property count from 765 to 771 properties and increased total debt by $600M to fund expansion, but net income dropped 41% even as operating income rose 33%, suggesting meaningful non-operating charges or financing costs. The portfolio maintains strong fundamentals with 99.8% occupancy and 9.6-year weighted average lease terms.

Comparing 2026-02-19 vs 2025-02-20View on EDGAR →
FINANCIAL ANALYSIS

BNL's financial results show mixed performance with operating income growing meaningfully by 33% to $84.9M, indicating strong core business performance. However, net income declined substantially to $96.5M from $162.4M, suggesting significant below-the-line costs likely related to the company's expansion financing. Total debt increased 31% to $2.5B and capital expenditures rose notably to $29.7M, reflecting the company's active portfolio growth strategy that added six new properties during the period.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
+76.9%
$16.8M$29.7M

Capital expenditure jumped 76.9% — major investment cycle underway; assess returns on deployment.

Net Income
P&L
-40.6%
$162.4M$96.5M

Net income declined 40.6% — review whether driven by operations, interest costs, or non-recurring items.

Operating Income
P&L
+33.4%
$63.6M$84.9M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Total Debt
Balance Sheet
+31.4%
$1.9B$2.5B

Debt increased 31.4% — substantial leverage increase; assess whether deployed for growth or covering losses.

Total Liabilities
Balance Sheet
+29.3%
$2.1B$2.7B

Liabilities increased 29.3% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-02-19
PRIOR — 2025-02-20
ADDED
There were 191,423,427 shares of the Registrant s common stock, $0.00025 par value per share outstanding as of February 13, 2026.
Morgan Chase Bank, N.A., as administrative agent, and the other lenders party thereto; and straight-line yield represents our pro-rata share of the estimated first year yield to be generated on a real estate investment, which was computed at the time of investment based on the straight-line annual rental income computed in accordance with GAAP, divided by the purchase price.
As of December 31, 2025, our portfolio includes 771 properties, with 764 properties located in 44 U.S.
Within these sectors, we have meaningful concentrations in distribution and warehouse, manufacturing, food processing, general merchandise, quick service restaurants, and casual dining.
Tenant and Industry Diversification : Our properties are occupied by 206 different commercial tenants who operate 197 distinct brands that are diversified across 57 varying industries, with no single tenant accounting for more than 3.9% of our ABR.
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REMOVED
There were 188,798,660 shares of the Registrant s common stock, $0.00025 par value per share outstanding as of February 14, 2025.
Morgan Chase Bank, N.A., as an administrative agent and the other lenders party thereto.
straight-line yield represents the estimated first year yield to be generated on a real estate investment, which was computed at the time of investment based on the straight-line annual rental income computed in accordance with GAAP, divided by the purchase price.
As of December 31, 2024, our portfolio includes 765 properties, with 758 properties located in 44 U.S.
Within these sectors, we have meaningful concentrations in manufacturing, distribution and warehouse, food processing, general merchandise, casual dining, and quick service restaurants.
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