BNLHIGH SIGNALFINANCIAL10-K

BNL shows a dramatic 337% surge in operating income alongside aggressive expansion, but declining net income and substantial debt increase raise concerns about capital efficiency.

The massive operating income improvement suggests strong operational performance, but the 41% drop in net income indicates significant non-operational headwinds or one-time charges that warrant investigation. The company appears to be in an aggressive growth phase with substantial debt-funded expansion, which could either drive future returns or create leverage risks.

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

BNL experienced explosive 337% operating income growth while paradoxically seeing net income fall 41%, suggesting major non-operational impacts or charges that require scrutiny. The company substantially increased leverage with debt rising 31% to $2.5B while more than doubling cash reserves and dramatically increasing both capex (77%) and share buybacks (239%). This financial profile indicates aggressive expansion funded by debt, creating either significant growth opportunities or elevated financial risk depending on execution and market conditions.

FINANCIAL STATEMENT CHANGES
Operating Income
P&L
+337.4%
$19.4M$84.9M

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

Share Buybacks
Cash Flow
+239.1%
$10.2M$34.6M

Share repurchases increased 239.1% — management returning capital, signals confidence in intrinsic value.

Cash & Equivalents
Balance Sheet
+105.7%
$14.8M$30.5M

Cash position surged 105.7% — strong cash generation or capital raise providing significant financial cushion.

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.

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.
+7 more — sign up free →
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.
+7 more — sign up free →
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