TCPCHIGH SIGNALFINANCIAL10-K

TCPC experienced severe deterioration across all major financial metrics with operating cash flow plummeting 47% and net losses widening 41% while the portfolio contracted significantly.

The dramatic decline in operating cash flow coupled with widening losses and shrinking assets suggests TCPC is experiencing fundamental stress in its business development company operations. The 24% decline in stockholders' equity and 33% cash reduction indicate potential liquidity pressures that could threaten dividend sustainability and future lending capacity.

Comparing 2026-02-27 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

TCPC's financial performance deteriorated sharply with operating cash flow collapsing from $293M to $155M (-47%) while net losses expanded from -$63M to -$89M. The balance sheet contracted significantly with total assets declining 14% to $1.7B, cash falling 33% to $61M, and stockholders' equity eroding 24% to $598M, painting a picture of a BDC under significant stress with reduced dividend payments (-22%) and minimal share buybacks reflecting constrained capital allocation flexibility.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-47.1%
$293.1M$154.9M

Operating cash flow fell 47.1% — earnings quality concerns; investigate working capital changes and non-cash items.

Net Income
P&L
-40.9%
-$63.1M-$88.9M

Net income declined 40.9% — review whether driven by operations, interest costs, or non-recurring items.

Share Buybacks
Cash Flow
-33.4%
$4.5M$3.0M

Buyback activity reduced 33.4% — capital being redeployed elsewhere or cash conservation underway.

Cash & Equivalents
Balance Sheet
-33.3%
$91.6M$61.1M

Cash declined 33.3% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Stockholders Equity
Balance Sheet
-23.8%
$785.1M$598.0M

Equity decreased 23.8% — buybacks or losses reducing book value, monitor solvency ratios.

Dividends Paid
Cash Flow
-22.3%
$122.5M$95.2M

Dividend reduced 22.3% — monitor management commentary on capital allocation priorities.

Total Assets
Balance Sheet
-14.2%
$1.9B$1.7B

Total assets contracted 14.2% — asset sales, write-downs, or balance sheet optimization underway.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-27
ADDED
First Lien Delayed Draw Term Loan Ref SOFR(Q) Floor 1.00% Spread 5.00% Total Coupon 8.84% Maturity 7/31/2031 2025-12-31 0001370755 tcpc:InterceptBidcoIncMember 2025-12-31 0001370755 Equity Securities Media Quora, Inc.
Warrants to Purchase Series D Preferred Stock Expiration 4/11/2029 2025-12-31 0001370755 2021-01-01 2021-12-31 0001370755 us-gaap:InterestRateSwapMember 2025-12-31 0001370755 Debt Investments Commercial Services Supplies Kellermeyer Bergensons Services, LLC First Lien Term Loan Ref SOFR(Q) Floor 1.00% Spread 8.15% PIK Total Coupon 11.99% Maturity 11/7/2026 2025-12-31 0001370755 Controlled Affiliates, Conergy Asia Holdings Limited, Ordinary Shares 2025-12-31 0001370755 Debt Investments Software Elastic Path Software, Inc.
(Canada) First Lien Term Loan Ref SOFR(Q) Floor 1.00% Spread 7.76% Total Coupon 12.35% Maturity 1/6/2026 2024-12-31 0001370755 tcpc:VortexCompaniesLlcOneMember 2025-12-31 0001370755 tcpc:ElectricalEquipmentMember us-gaap:DebtSecuritiesMember 2024-12-31 0001370755 2023-01-01 2023-12-31 0001370755 tcpc:SonnySEnterprisesLLCMember 2024-12-31 0001370755 Equity Securities Energy Equipment and Services GlassPoint, Inc.
(Singapore) Warrants to Purchase Common Stock Expiration 8/15/2027 2024-12-31 0001370755 tcpc:TwoThousandTwentyNineNotesMember 2025-01-01 2025-12-31 0001370755 tcpc:O2025Q4DividendsMember 2025-11-06 2025-11-06 0001370755 tcpc:TrintechIncMember 2025-12-31 0001370755 tcpc:SparkBuyerLLCSPARKSTONEMember 2025-12-31 0001370755 Debt Investments Diversified Financial Services Gordon Brothers Finance Company Unsecured Debt Ref LIBOR(A) Floor 1.00% Spread 11.00% Total Coupon 14.60% Maturity 6/3/2026 2025-12-31 0001370755 Equity Securities Internet Software and Services InMobi, Inc.
(Singapore) Warrants to Purchase Common Stock Expiration 8/15/2027 2024-01-01 2024-12-31 0001370755 HomeRenew Buyer,INC, Senior Secured First Lien Term Loan, SOFR + 6.5%, 2.5% SOFR Floor, due 4/14/30 2025-12-31 0001370755 tcpc:PrepaymentReduceStatedYieldsMember 2025-01-01 2025-12-31 0001370755 us-gaap:SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember tcpc:FundingFacilityIIMember 2023-08-04 0001370755 Debt Investments Semiconductors and Semiconductor Equipment Emerald Technologies (U.S.) AcquisitionCo, Inc.
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REMOVED
(Netherlands) Sr Secured Revolver A Ref SOFR(Q) Floor 1.00% Spread 7.25% Total Coupon 12.63% Maturity 1/26/2029 2023-12-31 0001370755 Debt Investments Professional Services Applause App Quality, Inc.
(Loopio) (Canada) Sr Secured Revolver Ref SOFR(S) Floor 1.00% Spread 5.50% Total Coupon 9.93% Maturity 3/31/2027 2024-12-31 0001370755 Debt Investments Software Elastic Path Software, Inc.
(Canada) First Lien Term Loan Ref SOFR(Q) Floor 1.00% Spread 7.76% Total Coupon 13.18% Maturity 1/6/2026 2023-12-31 0001370755 tcpc:WarrantsToPurchaseSeriesEPreferredStockStrikePriceOneMember 2024-12-31 0001370755 Debt Investments Construction and Engineering Homerenew Buyer, Inc.
(Project Dream) First Lien Delayed Draw Term Loan Ref SOFR(Q) Floor 1.00% Spread 6.65% Total Coupon 12.18% Maturity 11/23/2027 2023-12-31 0001370755 Debt Investments Software SEP Raptor Acquisition, Inc.
(New Relic) First Lien Term Loan Ref SOFR(Q) Floor 1.00% Spread 6.75% Total Coupon 11.35% Maturity 11/8/2030 2024-12-31 0001370755 Debt Investments Internet Software and Services Bynder Bidco, Inc.
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