SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SAT - US80349A8027
24.8651 USD
-0.01 (-0.06%)
Overall SAT gets a fundamental rating of 5 out of 10. We evaluated SAT against 238 industry peers in the Capital Markets industry. Both the profitability and the financial health of SAT get a neutral evaluation. Nothing too spectacular is happening here. SAT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SAT was profitable.
SAT had a positive operating cash flow in the past year.
Each year in the past 5 years SAT has been profitable.
SAT had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.93%, SAT is in line with its industry, outperforming 55.46% of the companies in the same industry.
SAT has a Return On Equity of 8.62%. This is comparable to the rest of the industry: SAT outperforms 52.52% of its industry peers.
SAT's Return On Invested Capital of 2.66% is on the low side compared to the rest of the industry. SAT is outperformed by 60.08% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SAT 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
SAT's Profit Margin of 27.19% is fine compared to the rest of the industry. SAT outperforms 70.17% of its industry peers.
SAT's Profit Margin has declined in the last couple of years.
SAT has a Operating Margin of 30.81%. This is in the better half of the industry: SAT outperforms 60.50% of its industry peers.
SAT's Operating Margin has improved in the last couple of years.
SAT has a Gross Margin of 38.25%. This is comparable to the rest of the industry: SAT outperforms 42.86% of its industry peers.
In the last couple of years the Gross Margin of SAT 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, SAT has more shares outstanding
Compared to 5 years ago, SAT has more shares outstanding
Compared to 1 year ago, SAT has an improved debt to assets ratio.
2.2 Solvency
SAT has an Altman-Z score of 0.68. This is a bad value and indicates that SAT is not financially healthy and even has some risk of bankruptcy.
SAT has a Altman-Z score (0.68) which is in line with its industry peers.
The Debt to FCF ratio of SAT is 9.02, which is on the high side as it means it would take SAT, 9.02 years of fcf income to pay off all of its debts.
SAT has a Debt to FCF ratio of 9.02. This is comparable to the rest of the industry: SAT outperforms 59.24% of its industry peers.
SAT has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SAT (1.92) is worse than 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 9.02 | ||
| Altman-Z | 0.68 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
SAT has a Current Ratio of 14.01. This indicates that SAT is financially healthy and has no problem in meeting its short term obligations.
SAT's Current ratio of 14.01 is amongst the best of the industry. SAT outperforms 95.38% of its industry peers.
SAT has a Quick Ratio of 14.01. This indicates that SAT is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 14.01, SAT belongs to the top of the industry, outperforming 95.38% 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.
Measured over the past years, SAT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.46% on average per year.
SAT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.19%.
Measured over the past years, SAT shows a very strong growth in Revenue. The Revenue has been growing by 20.56% on average per year.
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
SAT 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
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
The Price/Earnings ratio is 10.63, which indicates a very decent valuation of SAT.
Based on the Price/Earnings ratio, SAT is valued a bit cheaper than 68.49% of the companies in the same industry.
When comparing the Price/Earnings ratio of SAT to the average of the S&P500 Index (26.41), we can say SAT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.42, the valuation of SAT can be described as reasonable.
SAT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SAT is cheaper than 69.33% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SAT to the average of the S&P500 Index (35.40), we can say SAT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.63 | ||
| Fwd PE | 10.42 |
4.2 Price Multiples
SAT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SAT is cheaper than 84.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.59 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SAT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.25
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%, SAT is a good candidate for dividend investing.
SAT's Dividend Yield is a higher than the industry average which is at 8.39.
SAT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
5.2 History
On average, the dividend of SAT grows each year by 9.46%, which is quite nice.
SAT has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)9.46%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
SAT pays out 140.84% of its income as dividend. This is not a sustainable payout ratio.
SAT'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
SARATOGA INVESTMENT CORP - SAR 6 04/30/27
NYSE:SAT (12/4/2025, 8:04:00 PM)
24.8651
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.44%
Inst Owner ChangeN/A
Ins Owners10.45%
Ins Owner ChangeN/A
Market Cap400.33M
Revenue(TTM)130.12M
Net Income(TTM)35.38M
Analysts67.69
Price Target26.48 (6.49%)
Short Float %0.01%
Short Ratio0.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
Yearly Dividend2.83
Dividend Growth(5Y)9.46%
DP140.84%
Div Incr Years1
Div Non Decr Years1
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)4.02%
PT rev (3m)8.16%
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 | 10.63 | ||
| Fwd PE | 10.42 | ||
| P/S | 3.08 | ||
| P/FCF | 4.59 | ||
| P/OCF | 4.59 | ||
| P/B | 0.98 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.34
EY9.41%
EPS(NY)2.39
Fwd EY9.6%
FCF(TTM)5.42
FCFY21.79%
OCF(TTM)5.42
OCFY21.79%
SpS8.08
BVpS25.5
TBVpS25.5
PEG (NY)0.25
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 | 0.68 |
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 6 04/30/27 / SAT FAQ
What is the fundamental rating for SAT stock?
ChartMill assigns a fundamental rating of 5 / 10 to SAT.
What is the valuation status of SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) stock?
ChartMill assigns a valuation rating of 6 / 10 to SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT). This can be considered as Fairly Valued.
What is the profitability of SAT stock?
SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) has a profitability rating of 4 / 10.
What are the PE and PB ratios of SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) stock?
The Price/Earnings (PE) ratio for SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) is 10.63 and the Price/Book (PB) ratio is 0.98.
Can you provide the financial health for SAT stock?
The financial health rating of SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) is 4 / 10.