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SARATOGA INVESTMENT CORP (SAK) Stock Fundamental Analysis

USA - NYSE:SAK - US80349A6047

25.2 USD
-0.01 (-0.04%)
Last: 7/13/2022, 8:04:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to SAK. SAK was compared to 237 industry peers in the Capital Markets industry. Both the profitability and financial health of SAK have multiple concerns. SAK is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

SAK had positive earnings in the past year.
SAK had positive earnings in each of the past 5 years.
In the past 5 years SAK always reported negative operating cash flow.
SAK Yearly Net Income VS EBIT VS OCF VS FCFSAK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 50M -50M -100M -150M -200M

1.2 Ratios

Industry RankSector Rank
ROA 5.22%
ROE 12.85%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SAK Yearly ROA, ROE, ROICSAK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

Industry RankSector Rank
OM 28.17%
PM (TTM) 64.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SAK Yearly Profit, Operating, Gross MarginsSAK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 20 40 60 80

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0

2. Health

2.1 Basic Checks

SAK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SAK has been increased compared to 1 year ago.
The debt/assets ratio for SAK is higher compared to a year ago.
SAK Yearly Shares OutstandingSAK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M 8M 10M
SAK Yearly Total Debt VS Total AssetsSAK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M

2.2 Solvency

SAK has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.66%
SAK Yearly LT Debt VS Equity VS FCFSAK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 202.26% over the past year.
SAK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.12% yearly.
Looking at the last year, SAK shows a very strong growth in Revenue. The Revenue has grown by 22.71%.
Measured over the past years, SAK shows a quite strong growth in Revenue. The Revenue has been growing by 16.36% on average per year.
EPS 1Y (TTM)202.26%
EPS 3Y15.19%
EPS 5Y22.12%
EPS Q2Q%-15.66%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y14.03%
Revenue growth 5Y16.36%
Sales Q2Q%17.09%

3.2 Future

SAK is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -21.94% yearly.
Based on estimates for the next years, SAK will show a quite strong growth in Revenue. The Revenue will grow by 10.59% on average per year.
EPS Next Y-44.89%
EPS Next 2Y-24.15%
EPS Next 3Y-22.81%
EPS Next 5Y-21.94%
Revenue Next Year14.31%
Revenue Next 2Y10.84%
Revenue Next 3Y10.49%
Revenue Next 5Y10.59%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
SAK Yearly Revenue VS EstimatesSAK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
SAK Yearly EPS VS EstimatesSAK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.27, the valuation of SAK can be described as very cheap.
SAK is valuated cheaply when we compare the Price/Earnings ratio to 27.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.38 indicates a reasonable valuation of SAK.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, SAK is valued rather cheaply.
Industry RankSector Rank
PE 6.27
Fwd PE 11.38
SAK Price Earnings VS Forward Price EarningsSAK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SAK Per share dataSAK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

SAK's earnings are expected to decrease with -22.81% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-24.15%
EPS Next 3Y-22.81%

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4

5. Dividend

5.1 Amount

SAK has a Yearly Dividend Yield of 9.02%, which is a nice return.
SAK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 9.02%

5.2 History

The dividend of SAK decreases each year by -0.65%.
SAK does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.65%
Div Incr YearsN/A
Div Non Decr YearsN/A
SAK Yearly Dividends per shareSAK Yearly Dividends per shareYearly Dividends per share 2021 2022 0.5 1 1.5

5.3 Sustainability

39.71% of the earnings are spent on dividend by SAK. This is a low number and sustainable payout ratio.
SAK's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP39.71%
EPS Next 2Y-24.15%
EPS Next 3Y-22.81%
SAK Yearly Income VS Free CF VS DividendSAK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
SAK Dividend Payout.SAK Dividend Payout, showing the Payout Ratio.SAK Dividend Payout.PayoutRetained Earnings

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SARATOGA INVESTMENT CORP

NYSE:SAK (7/13/2022, 8:04:00 PM)

25.2

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-06 2022-07-06/amc
Earnings (Next)10-03 2022-10-03
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap302.02M
Analysts86
Price Target30.83 (22.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.02%
Yearly Dividend2.02
Dividend Growth(5Y)-0.65%
DP39.71%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 6.27
Fwd PE 11.38
P/S 4.27
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB N/A
EV/EBITDA N/A
EPS(TTM)4.02
EY15.95%
EPS(NY)2.22
Fwd EY8.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.9
BVpS29.69
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 5.22%
ROE 12.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 28.17%
PM (TTM) 64.65%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC7.66%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)202.26%
EPS 3Y15.19%
EPS 5Y22.12%
EPS Q2Q%-15.66%
EPS Next Y-44.89%
EPS Next 2Y-24.15%
EPS Next 3Y-22.81%
EPS Next 5Y-21.94%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y14.03%
Revenue growth 5Y16.36%
Sales Q2Q%17.09%
Revenue Next Year14.31%
Revenue Next 2Y10.84%
Revenue Next 3Y10.49%
Revenue Next 5Y10.59%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A