SARATOGA INVESTMENT CORP (SAR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SAR - US80349A2087 - Common Stock
22.75 USD
-0.01 (-0.04%)
SAR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. SAR has only an average score on both its financial health and profitability. SAR is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SAR was profitable.
In the past year SAR had a positive cash flow from operations.
In the past 5 years SAR has always been profitable.
In the past 5 years SAR reported 4 times negative operating cash flow.
1.2 Ratios
SAR has a Return On Assets (2.93%) which is in line with its industry peers.
With a Return On Equity value of 8.62%, SAR perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
With a Return On Invested Capital value of 2.66%, SAR perfoms like the industry average, outperforming 40.34% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SAR is below the industry average of 6.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.93% | ||
| ROE | 8.62% | ||
| ROIC | 2.66% |
ROA(3y)1.8%
ROA(5y)2.62%
ROE(3y)5.56%
ROE(5y)6.88%
ROIC(3y)3.34%
ROIC(5y)3%
1.3 Margins
Looking at the Profit Margin, with a value of 27.19%, SAR is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
In the last couple of years the Profit Margin of SAR has declined.
SAR has a Operating Margin of 30.81%. This is in the better half of the industry: SAR outperforms 60.92% of its industry peers.
SAR's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 38.25%, SAR perfoms like the industry average, outperforming 43.28% of the companies in the same industry.
In the last couple of years the Gross Margin of SAR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.81% | ||
| PM (TTM) | 27.19% | ||
| GM | 38.25% |
OM growth 3Y8.45%
OM growth 5Y5.8%
PM growth 3Y-33.67%
PM growth 5Y-27.68%
GM growth 3Y5.15%
GM growth 5Y4.57%
2. Health
2.1 Basic Checks
Compared to 1 year ago, SAR has more shares outstanding
SAR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SAR has been reduced compared to a year ago.
2.2 Solvency
SAR has an Altman-Z score of 0.65. This is a bad value and indicates that SAR is not financially healthy and even has some risk of bankruptcy.
SAR's Altman-Z score of 0.65 is in line compared to the rest of the industry. SAR outperforms 41.18% of its industry peers.
The Debt to FCF ratio of SAR is 9.02, which is on the high side as it means it would take SAR, 9.02 years of fcf income to pay off all of its debts.
SAR has a Debt to FCF ratio (9.02) which is in line with its industry peers.
A Debt/Equity ratio of 1.92 is on the high side and indicates that SAR has dependencies on debt financing.
The Debt to Equity ratio of SAR (1.92) is worse than 78.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 9.02 | ||
| Altman-Z | 0.65 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
SAR has a Current Ratio of 14.01. This indicates that SAR is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 14.01, SAR belongs to the best of the industry, outperforming 95.80% of the companies in the same industry.
SAR has a Quick Ratio of 14.01. This indicates that SAR is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 14.01, SAR belongs to the best of the industry, outperforming 95.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 14.01 | ||
| Quick Ratio | 14.01 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 52.94% over the past year.
The earnings per share for SAR have been decreasing by -18.46% on average. This is quite bad
SAR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.19%.
The Revenue has been growing by 20.56% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)52.94%
EPS 3Y-20.24%
EPS 5Y-18.46%
EPS Q2Q%-13.4%
Revenue 1Y (TTM)-16.19%
Revenue growth 3Y28.14%
Revenue growth 5Y20.56%
Sales Q2Q%-19.96%
3.2 Future
SAR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.17% yearly.
The Revenue is expected to decrease by -7.46% on average over the next years.
EPS Next Y42.66%
EPS Next 2Y8.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.8%
Revenue Next 2Y-7.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.72, which indicates a very decent valuation of SAR.
Based on the Price/Earnings ratio, SAR is valued a bit cheaper than 73.53% of the companies in the same industry.
SAR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.46.
The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of SAR.
SAR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SAR is cheaper than 75.21% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, SAR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
SAR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SAR is cheaper than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y8.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.48%, SAR is a good candidate for dividend investing.
SAR's Dividend Yield is a higher than the industry average which is at 8.39.
Compared to an average S&P500 Dividend Yield of 2.32, SAR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
5.2 History
The dividend of SAR is nicely growing with an annual growth rate of 9.46%!
SAR has paid a dividend for at least 10 years, which is a reliable track record.
SAR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)9.46%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
140.84% of the earnings are spent on dividend by SAR. This is not a sustainable payout ratio.
The dividend of SAR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP140.84%
EPS Next 2Y8.17%
EPS Next 3YN/A
NYSE:SAR (12/5/2025, 8:04:00 PM)
22.75
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.44%
Inst Owner Change-4.45%
Ins Owners10.45%
Ins Owner Change0.28%
Market Cap366.27M
Revenue(TTM)130.12M
Net Income(TTM)35.38M
Analysts67.69
Price Target23.82 (4.7%)
Short Float %2.78%
Short Ratio3.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
Yearly Dividend2.83
Dividend Growth(5Y)9.46%
DP140.84%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.38%
Min EPS beat(2)-2.81%
Max EPS beat(2)21.57%
EPS beat(4)1
Avg EPS beat(4)-30.27%
Min EPS beat(4)-107.09%
Max EPS beat(4)21.57%
EPS beat(8)2
Avg EPS beat(8)-44.73%
EPS beat(12)3
Avg EPS beat(12)-34.53%
EPS beat(16)5
Avg EPS beat(16)-34.41%
Revenue beat(2)2
Avg Revenue beat(2)8.71%
Min Revenue beat(2)6.55%
Max Revenue beat(2)10.88%
Revenue beat(4)2
Avg Revenue beat(4)0.43%
Min Revenue beat(4)-9%
Max Revenue beat(4)10.88%
Revenue beat(8)4
Avg Revenue beat(8)0.29%
Revenue beat(12)7
Avg Revenue beat(12)3.21%
Revenue beat(16)9
Avg Revenue beat(16)2.81%
PT rev (1m)-4.53%
PT rev (3m)-4.83%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)-11.42%
EPS NY rev (1m)0%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)-0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 9.53 | ||
| P/S | 2.81 | ||
| P/FCF | 4.2 | ||
| P/OCF | 4.2 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.34
EY10.29%
EPS(NY)2.39
Fwd EY10.49%
FCF(TTM)5.42
FCFY23.82%
OCF(TTM)5.42
OCFY23.82%
SpS8.08
BVpS25.5
TBVpS25.5
PEG (NY)0.23
PEG (5Y)N/A
Graham Number36.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.93% | ||
| ROE | 8.62% | ||
| ROCE | 3.36% | ||
| ROIC | 2.66% | ||
| ROICexc | 3.2% | ||
| ROICexgc | 3.2% | ||
| OM | 30.81% | ||
| PM (TTM) | 27.19% | ||
| GM | 38.25% | ||
| FCFM | 67.04% |
ROA(3y)1.8%
ROA(5y)2.62%
ROE(3y)5.56%
ROE(5y)6.88%
ROIC(3y)3.34%
ROIC(5y)3%
ROICexc(3y)3.72%
ROICexc(5y)3.29%
ROICexgc(3y)3.72%
ROICexgc(5y)3.29%
ROCE(3y)4.22%
ROCE(5y)3.8%
ROICexgc growth 3Y30.31%
ROICexgc growth 5Y10.28%
ROICexc growth 3Y30.28%
ROICexc growth 5Y10.29%
OM growth 3Y8.45%
OM growth 5Y5.8%
PM growth 3Y-33.67%
PM growth 5Y-27.68%
GM growth 3Y5.15%
GM growth 5Y4.57%
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 9.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 246.59% | ||
| Current Ratio | 14.01 | ||
| Quick Ratio | 14.01 | ||
| Altman-Z | 0.65 |
F-Score6
WACCN/A
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)52.94%
EPS 3Y-20.24%
EPS 5Y-18.46%
EPS Q2Q%-13.4%
EPS Next Y42.66%
EPS Next 2Y8.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.19%
Revenue growth 3Y28.14%
Revenue growth 5Y20.56%
Sales Q2Q%-19.96%
Revenue Next Year-15.8%
Revenue Next 2Y-7.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-32.99%
EBIT growth 3Y38.97%
EBIT growth 5Y27.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y180.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y180.85%
OCF growth 3YN/A
OCF growth 5YN/A
SARATOGA INVESTMENT CORP / SAR FAQ
Can you provide the ChartMill fundamental rating for SARATOGA INVESTMENT CORP?
ChartMill assigns a fundamental rating of 5 / 10 to SAR.
What is the valuation status for SAR stock?
ChartMill assigns a valuation rating of 6 / 10 to SARATOGA INVESTMENT CORP (SAR). This can be considered as Fairly Valued.
How profitable is SARATOGA INVESTMENT CORP (SAR) stock?
SARATOGA INVESTMENT CORP (SAR) has a profitability rating of 4 / 10.
Can you provide the financial health for SAR stock?
The financial health rating of SARATOGA INVESTMENT CORP (SAR) is 4 / 10.
What is the expected EPS growth for SARATOGA INVESTMENT CORP (SAR) stock?
The Earnings per Share (EPS) of SARATOGA INVESTMENT CORP (SAR) is expected to grow by 42.66% in the next year.