FDUSHIGH SIGNALFINANCIAL10-K

FDUS experienced a substantial decline in net income while significantly expanding its debt load and investment portfolio.

The company appears to be in an aggressive growth phase, taking on considerably more debt to fund new investments, but this strategy has substantially reduced profitability in the near term. The extensive portfolio changes show active dealmaking across healthcare, technology, and business services sectors, suggesting FDUS is deploying capital rapidly but facing headwinds on returns.

Comparing 2026-02-26 vs 2025-03-06View on EDGAR →
FINANCIAL ANALYSIS

FDUS substantially expanded its balance sheet with total assets growing 22.5% to $1.4B, funded primarily by a 36.1% increase in total debt to $658.4M. However, net income declined meaningfully from $35.8M to $12.1M, pressured by 29.4% higher interest expense reflecting the increased borrowing costs. The financial profile suggests an investment company in expansion mode, prioritizing growth over near-term profitability as higher leverage costs weigh on earnings.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-66.4%
$35.8M$12.1M

Net income declined 66.4% — review whether driven by operations, interest costs, or non-recurring items.

Total Debt
Balance Sheet
+36.1%
$483.7M$658.4M

Debt increased 36.1% — substantial leverage increase; assess whether deployed for growth or covering losses.

Total Liabilities
Balance Sheet
+34.7%
$508.4M$684.6M

Liabilities grew 34.7% — significant increase in debt or obligations, assess impact on financial flexibility.

Interest Expense
P&L
+29.4%
$22.3M$28.8M

Interest costs rose 29.4% — monitor debt levels and coverage ratio in rising rate environment.

Total Assets
Balance Sheet
+22.5%
$1.2B$1.4B

Asset base grew 22.5% — expansion through organic growth, acquisitions, or capital deployment.

Cash & Equivalents
Balance Sheet
+22.5%
$57.2M$70.0M

Cash grew 22.5% — improving liquidity position supports investment and shareholder returns.

Stockholders Equity
Balance Sheet
+13.2%
$655.7M$741.9M

Equity base grew 13.2% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-03-06
ADDED
Industry Healthcare Services Preferred Equity (98,377 units) Investment date 4/1/2012 2024-01-01 2024-12-31 0001513363 fdus:February2024NotesMember 2025-12-31 0001513363 Affiliate Investments Spectra A D Acquisition, Inc.
(dba LGG Industrial) Specialty Distribution Preferred Equity (518,135 units) Investment date 11/14/2023 2025-12-31 0001513363 Non-control/Non-affiliate Investments Dealerbuilt Acquisition, LLC Information Technology Services Common Equity (1,000 Units) Investment date 7/21/2023 2025-12-31 0001513363 Non-control/Non-affiliate Investments AmeriWater, LLC Component Manufacturing Subordinated Debt Cash 7.00% Rate PIK 7.00% Investment date 7/8/2022 Maturity 1/8/2028 2024-12-31 0001513363 Non-control/Non-affiliate Investments KG Lawn Care, Inc.
(dba King Green) Consumer Services Common Equity (62 Units) Investment date 11/26/2025 2025-12-31 0001513363 us-gaap:CommonStockMember fdus:RaymondJamesAndAssociatesIncAndRobertWBairdAndCoMember 2025-01-01 2025-12-31 0001513363 Non-control/Non-affiliate Investments Inductive Health Informatics, LLC Healthcare Services Preferred Equity (367 units) Investment date 9/20/2024 2024-01-01 2024-12-31 0001513363 fdus:FourPointFiveFivePercentInterestRateMember 2024-12-31 0001513363 Non-control/Non-affiliate Investments Acendre Midco, Inc.
Component Manufacturing Preferred Equity (601 shares) Investment date 2/1/2024 2025-01-01 2025-12-31 0001513363 Non-control/Non-affiliate Investments United Biologics, LLC.
(dba Payentry) Business Services Second Lien Debt Cash 10.50% Rate PIK 1.75% Investment date 3/28/2025 Maturity 9/28/2031 One 2025-12-31 0001513363 Non-control/Non-affiliate Investments Tedia Company, LLC Healthcare Products Preferred Equity (1,000 units) Investment date 3/4/2022 2024-12-31 0001513363 Non-control/Non-affiliate Investments Acendre Midco, Inc.
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REMOVED
(dba MediaRadar) Information Technology Services First Lien Debt Variable Index Spread (S + 6.25%) Variable Index Floor (1.00%) Rate Cash 10.75% Rate PIK 0.00% Investment date 11/1/2023 Maturity 9/16/2029 2024-01-01 2024-12-31 0001513363 Non-control/Non-affiliate Investments R.F.
(dba LGG Industrial) Specialty Distribution Preferred Equity (518,135 units) Investment date 11/14/2023 2024-01-01 2024-12-31 0001513363 fdus:SecondLienDebtMember 2024-12-31 0001513363 Non-control/Non-affiliate Investments Aldinger Company Business Services 2024-12-31 0001513363 fdus:SmallBusinessAdministrationDebenturesMember 2016-01-01 2016-12-31 0001513363 fdus:O2023Q4DividendsMember 2023-10-01 2023-12-31 0001513363 Affiliate Investments Spectra A D Acquisition, Inc.
Business Services 2024-12-31 0001513363 Non-control/Non-affiliate Investments MDME Holding Corp.
Healthcare Products Preferred Equity (12,500 units) Investment date 9/18/2023 2024-12-31 0001513363 Non-control/Non-affiliate Investments AOM Intermediate Holdco, LLC (dbaAllOver Media) Information Technology Services Common Equity (1,232 units) Investment date 2/1/2022 2024-12-31 0001513363 Non-control/Non-affiliate Investments Prime AE Group, Inc.
Oil Gas Services Subordinated Rate Cash 9.00% Rate PIK 0.00% Investment date 6/30/2022 Maturity 6/30/2027 2023-12-31 0001513363 Non-control/Non-affiliate Investments GMP HVAC, LLC (dba McGee Heating Air, LLC) Utilities: Services Preferred Equity (1,394 units) Investment date 12/8/2023 2024-12-31 0001513363 Non-control/Non-affiliate Investments USG AS Holdings, LLC Utilities: Services 2024-12-31 0001513363 Non-control/Non-affiliate Investments Tedia Company, LLC.
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