SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) Fundamental Analysis & Valuation

NYSE:SAT • US80349A8027

Current stock price

24.73 USD
+0.03 (+0.12%)
Last:

This SAT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SAT Profitability Analysis

1.1 Basic Checks

  • In the past year SAT was profitable.
  • In the past year SAT has reported a negative cash flow from operations.
  • Each year in the past 5 years SAT has been profitable.
  • SAT had negative operating cash flow in 4 of the past 5 years.
SAT Yearly Net Income VS EBIT VS OCF VS FCFSAT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M -200M

1.2 Ratios

  • With a Return On Assets value of 3.22%, SAT perfoms like the industry average, outperforming 53.72% of the companies in the same industry.
  • The Return On Equity of SAT (9.33%) is comparable to the rest of the industry.
  • The Return On Invested Capital of SAT (2.49%) is worse than 60.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SAT is below the industry average of 7.06%.
Industry RankSector Rank
ROA 3.22%
ROE 9.33%
ROIC 2.49%
ROA(3y)1.8%
ROA(5y)2.62%
ROE(3y)5.56%
ROE(5y)6.88%
ROIC(3y)3.34%
ROIC(5y)3%
SAT Yearly ROA, ROE, ROICSAT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SAT has a better Profit Margin (30.62%) than 72.73% of its industry peers.
  • In the last couple of years the Profit Margin of SAT has declined.
  • SAT has a Operating Margin (29.55%) which is comparable to the rest of the industry.
  • SAT's Operating Margin has improved in the last couple of years.
  • SAT has a Gross Margin of 37.43%. This is in the lower half of the industry: SAT underperforms 60.74% of its industry peers.
  • In the last couple of years the Gross Margin of SAT has grown nicely.
Industry RankSector Rank
OM 29.55%
PM (TTM) 30.62%
GM 37.43%
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%
SAT Yearly Profit, Operating, Gross MarginsSAT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. SAT Health Analysis

2.1 Basic Checks

  • SAT has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SAT has more shares outstanding
  • The debt/assets ratio for SAT has been reduced compared to a year ago.
SAT Yearly Shares OutstandingSAT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SAT Yearly Total Debt VS Total AssetsSAT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.64, we must say that SAT is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.64, SAT perfoms like the industry average, outperforming 45.04% of the companies in the same industry.
  • SAT has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of SAT (1.87) is worse than 77.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF N/A
Altman-Z 0.64
ROIC/WACCN/A
WACCN/A
SAT Yearly LT Debt VS Equity VS FCFSAT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M

2.3 Liquidity

  • SAT has a Current Ratio of 11.66. This indicates that SAT is financially healthy and has no problem in meeting its short term obligations.
  • SAT's Current ratio of 11.66 is amongst the best of the industry. SAT outperforms 94.21% of its industry peers.
  • A Quick Ratio of 11.66 indicates that SAT has no problem at all paying its short term obligations.
  • SAT has a better Quick ratio (11.66) than 94.21% of its industry peers.
Industry RankSector Rank
Current Ratio 11.66
Quick Ratio 11.66
SAT Yearly Current Assets VS Current LiabilitesSAT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SAT Growth Analysis

3.1 Past

  • SAT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.61%.
  • The earnings per share for SAT have been decreasing by -18.46% on average. This is quite bad
  • The Revenue for SAT has decreased by -18.68% 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)-1.61%
EPS 3Y-20.24%
EPS 5Y-18.46%
EPS Q2Q%15.62%
Revenue 1Y (TTM)-18.68%
Revenue growth 3Y28.14%
Revenue growth 5Y20.56%
Sales Q2Q%-2.34%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.28% on average over the next years. This is quite good.
  • The Revenue is expected to decrease by -8.28% on average over the next years.
EPS Next Y37.04%
EPS Next 2Y8.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-16.21%
Revenue Next 2Y-8.28%
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.
SAT Yearly Revenue VS EstimatesSAT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
SAT Yearly EPS VS EstimatesSAT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. SAT Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.14, the valuation of SAT can be described as reasonable.
  • Based on the Price/Earnings ratio, SAT is valued a bit cheaper than 64.05% of the companies in the same industry.
  • SAT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.70.
  • The Price/Forward Earnings ratio is 10.34, which indicates a very decent valuation of SAT.
  • 66.12% of the companies in the same industry are more expensive than SAT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, SAT is valued rather cheaply.
Industry RankSector Rank
PE 10.14
Fwd PE 10.34
SAT Price Earnings VS Forward Price EarningsSAT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SAT Per share dataSAT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

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)0.27
PEG (5Y)N/A
EPS Next 2Y8.28%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SAT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 12.48%, SAT is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.65, SAT pays a bit more dividend than its industry peers.
  • SAT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector 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
SAT Yearly Dividends per shareSAT Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • SAT pays out 134.05% 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.
DP134.05%
EPS Next 2Y8.28%
EPS Next 3YN/A
SAT Yearly Income VS Free CF VS DividendSAT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M -200M
SAT Dividend Payout.SAT Dividend Payout, showing the Payout Ratio.SAT Dividend Payout.PayoutRetained Earnings

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SAT Fundamentals: All Metrics, Ratios and Statistics

SARATOGA INVESTMENT CORP - SAR 6 04/30/27

NYSE:SAT (3/13/2026, 8:04:00 PM)

24.73

+0.03 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-07
Earnings (Next)05-05
Inst Owners13.87%
Inst Owner ChangeN/A
Ins Owners10.21%
Ins Owner ChangeN/A
Market Cap400.13M
Revenue(TTM)125.89M
Net Income(TTM)38.54M
Analysts68.33
Price Target25.57 (3.4%)
Short Float %0.01%
Short Ratio0.09
Dividend
Industry RankSector Rank
Dividend Yield 12.48%
Yearly Dividend2.83
Dividend Growth(5Y)9.46%
DP134.05%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.13%
Min EPS beat(2)21.57%
Max EPS beat(2)22.68%
EPS beat(4)2
Avg EPS beat(4)-16.41%
Min EPS beat(4)-107.09%
Max EPS beat(4)22.68%
EPS beat(8)3
Avg EPS beat(8)-25.67%
EPS beat(12)4
Avg EPS beat(12)-31.12%
EPS beat(16)5
Avg EPS beat(16)-35.05%
Revenue beat(2)1
Avg Revenue beat(2)2.35%
Min Revenue beat(2)-1.85%
Max Revenue beat(2)6.55%
Revenue beat(4)2
Avg Revenue beat(4)2.22%
Min Revenue beat(4)-6.72%
Max Revenue beat(4)10.88%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)6
Avg Revenue beat(12)2.19%
Revenue beat(16)9
Avg Revenue beat(16)3.02%
PT rev (1m)3.37%
PT rev (3m)-1.78%
EPS NQ rev (1m)-1.59%
EPS NQ rev (3m)-0.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.94%
Revenue NQ rev (1m)-1.89%
Revenue NQ rev (3m)-1.16%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 10.34
P/S 3.18
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)2.44
EY9.87%
EPS(NY)2.39
Fwd EY9.67%
FCF(TTM)-0.96
FCFYN/A
OCF(TTM)-0.96
OCFYN/A
SpS7.78
BVpS25.54
TBVpS25.54
PEG (NY)0.27
PEG (5Y)N/A
Graham Number37.44
Profitability
Industry RankSector Rank
ROA 3.22%
ROE 9.33%
ROCE 3.15%
ROIC 2.49%
ROICexc 2.9%
ROICexgc 2.91%
OM 29.55%
PM (TTM) 30.62%
GM 37.43%
FCFM N/A
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-Score3
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.81
Cash Conversion N/A
Profit Quality N/A
Current Ratio 11.66
Quick Ratio 11.66
Altman-Z 0.64
F-Score3
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)-1.61%
EPS 3Y-20.24%
EPS 5Y-18.46%
EPS Q2Q%15.62%
EPS Next Y37.04%
EPS Next 2Y8.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.68%
Revenue growth 3Y28.14%
Revenue growth 5Y20.56%
Sales Q2Q%-2.34%
Revenue Next Year-16.21%
Revenue Next 2Y-8.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-35.76%
EBIT growth 3Y38.97%
EBIT growth 5Y27.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y85.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y85.07%
OCF growth 3YN/A
OCF growth 5YN/A

SARATOGA INVESTMENT CORP - SAR 6 04/30/27 / SAT Fundamental Analysis FAQ

What is the fundamental rating for SAT stock?

ChartMill assigns a fundamental rating of 4 / 10 to SAT.


Can you provide the valuation status for SARATOGA INVESTMENT CORP - SAR 6 04/30/27?

ChartMill assigns a valuation rating of 5 / 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 3 / 10.


Can you provide the PE and PB ratios for SAT stock?

The Price/Earnings (PE) ratio for SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) is 10.14 and the Price/Book (PB) ratio is 0.97.


Is the dividend of SARATOGA INVESTMENT CORP - SAR 6 04/30/27 sustainable?

The dividend rating of SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) is 5 / 10 and the dividend payout ratio is 134.05%.