SARATOGA INVESTMENT CORP (SAR) Stock Fundamental Analysis
USA - NYSE:SAR - US80349A2087 - Common Stock
22.235 USD
-0.28 (-1.22%)
SAR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. SAR has an average financial health and profitability rating. 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.
SAR had a positive operating cash flow in the past year.
SAR had positive earnings in each of the past 5 years.
SAR had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
SAR has a Return On Assets of 2.93%. This is comparable to the rest of the industry: SAR outperforms 54.85% of its industry peers.
SAR's Return On Equity of 8.62% is in line compared to the rest of the industry. SAR outperforms 50.63% of its industry peers.
With a Return On Invested Capital value of 2.66%, SAR perfoms like the industry average, outperforming 40.08% of the companies in the same industry.
SAR had an Average Return On Invested Capital over the past 3 years of 3.34%. This is below the industry average of 7.59%.
| 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
SAR's Profit Margin of 27.19% is fine compared to the rest of the industry. SAR outperforms 70.46% of its industry peers.
In the last couple of years the Profit Margin of SAR has declined.
The Operating Margin of SAR (30.81%) is comparable to the rest of the industry.
SAR's Operating Margin has improved in the last couple of years.
The Gross Margin of SAR (38.25%) is comparable to the rest of the industry.
SAR's Gross Margin has improved in the last couple of years.
| 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
Compared to 5 years ago, SAR has more shares outstanding
The debt/assets ratio for SAR has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.65, we must say that SAR is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.65, SAR is in line with its industry, outperforming 40.51% of the companies in the same industry.
SAR has a debt to FCF ratio of 9.02. This is a negative value and a sign of low solvency as SAR would need 9.02 years to pay back of all of its debts.
SAR's Debt to FCF ratio of 9.02 is in line compared to the rest of the industry. SAR outperforms 58.65% of its industry peers.
SAR has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.92, SAR is doing worse than 79.32% of the companies in the same industry.
| 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.
Looking at the Current ratio, with a value of 14.01, SAR belongs to the top of the industry, outperforming 96.20% 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.
SAR's Quick ratio of 14.01 is amongst the best of the industry. SAR outperforms 96.20% of its industry peers.
| 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
The Revenue for SAR has decreased by -16.19% in the past year. This is quite bad
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
Based on estimates for the next years, SAR will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.17% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 9.50, the valuation of SAR can be described as reasonable.
SAR's Price/Earnings ratio is a bit cheaper when compared to the industry. SAR is cheaper than 73.00% 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 26.11.
A Price/Forward Earnings ratio of 9.32 indicates a reasonable valuation of SAR.
Based on the Price/Forward Earnings ratio, SAR is valued a bit cheaper than 73.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. SAR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SAR is valued cheaply inside the industry as 86.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.1 | ||
| 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)0.22
PEG (5Y)N/A
EPS Next 2Y8.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SAR has a Yearly Dividend Yield of 12.48%, which is a nice return.
SAR's Dividend Yield is a higher than the industry average which is at 8.40.
Compared to an average S&P500 Dividend Yield of 2.37, 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 been paying a dividend for at least 10 years, so it has 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
SAR pays out 140.84% of its income as dividend. This is not a sustainable payout ratio.
SAR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP140.84%
EPS Next 2Y8.17%
EPS Next 3YN/A
NYSE:SAR (11/3/2025, 10:51:58 AM)
22.235
-0.28 (-1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.44%
Inst Owner Change-1.92%
Ins Owners10.45%
Ins Owner Change0.28%
Market Cap357.98M
Revenue(TTM)130.12M
Net Income(TTM)35.38M
Analysts70.77
Price Target23.82 (7.13%)
Short Float %3.1%
Short Ratio3.41
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)-11.47%
EPS NQ rev (3m)-11.1%
EPS NY rev (1m)1.92%
EPS NY rev (3m)4.35%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)-1.06%
Revenue NY rev (3m)-1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | 9.32 | ||
| P/S | 2.75 | ||
| P/FCF | 4.1 | ||
| P/OCF | 4.1 | ||
| P/B | 0.87 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.34
EY10.52%
EPS(NY)2.39
Fwd EY10.73%
FCF(TTM)5.42
FCFY24.37%
OCF(TTM)5.42
OCFY24.37%
SpS8.08
BVpS25.5
TBVpS25.5
PEG (NY)0.22
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.