SARATOGA INVESTMENT CORP - SAR 6 04/30/27 (SAT) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SAT • US80349A8027
24.99 USD
0 (0%)
Last: Feb 11, 2026, 08:04 PM
SAT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. The financial health of SAT is average, but there are quite some concerns on its profitability. SAT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- SAT had positive earnings in the past year.
- SAT had a negative operating cash flow in the past year.
- SAT had positive earnings in each of the past 5 years.
- SAT had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SAT has a Return On Assets (3.22%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 9.33%, SAT is in line with its industry, outperforming 57.56% of the companies in the same industry.
- SAT's Return On Invested Capital of 2.49% is on the low side compared to the rest of the industry. SAT is outperformed by 60.08% of its industry peers.
- SAT had an Average Return On Invested Capital over the past 3 years of 3.34%. This is below the industry average of 7.22%.
| Industry Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 30.62%, SAT is doing good in the industry, outperforming 76.47% of the companies in the same industry.
- SAT's Profit Margin has declined in the last couple of years.
- The Operating Margin of SAT (29.55%) 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 60.92% of its industry peers.
- In the last couple of years the Gross Margin of SAT has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The number of shares outstanding for SAT has been increased compared to 1 year ago.
- SAT has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for SAT has been reduced compared to a year ago.
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.
- Looking at the Altman-Z score, with a value of 0.64, SAT is in line with its industry, outperforming 45.38% of the companies in the same industry.
- A Debt/Equity ratio of 1.87 is on the high side and indicates that SAT has dependencies on debt financing.
- The Debt to Equity ratio of SAT (1.87) is worse than 77.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.64 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 11.66 indicates that SAT has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 11.66, SAT belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
- SAT has a Quick Ratio of 11.66. This indicates that SAT is financially healthy and has no problem in meeting its short term obligations.
- SAT has a better Quick ratio (11.66) than 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 11.66 | ||
| Quick Ratio | 11.66 |
3. Growth
3.1 Past
- The earnings per share for SAT have decreased by -1.61% in the last 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.
- The Revenue for SAT has decreased by -18.68% in the past year. This is quite bad
- 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)-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
- Based on estimates for the next years, SAT will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.90% on average per year.
- Based on estimates for the next years, SAT will show a decrease in Revenue. The Revenue will decrease by -7.89% on average per year.
EPS Next Y37.04%
EPS Next 2Y8.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.48%
Revenue Next 2Y-7.89%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.24, the valuation of SAT can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of SAT indicates a somewhat cheap valuation: SAT is cheaper than 67.65% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.23, SAT is valued rather cheaply.
- SAT is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
- Based on the Price/Forward Earnings ratio, SAT is valued a bit cheaper than the industry average as 71.85% of the companies are valued more expensively.
- SAT is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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)0.28
PEG (5Y)N/A
EPS Next 2Y8.9%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- SAT has a Yearly Dividend Yield of 12.48%, which is a nice return.
- Compared to an average industry Dividend Yield of 6.12, 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 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
5.2 History
- The dividend of SAT is nicely growing with an annual growth rate of 9.46%!
- 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 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 2Y8.9%
EPS Next 3YN/A
SARATOGA INVESTMENT CORP - SAR 6 04/30/27
NYSE:SAT (2/11/2026, 8:04:00 PM)
24.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-07 2026-01-07/amc
Earnings (Next)05-05 2026-05-05/amc
Inst Owners15.21%
Inst Owner ChangeN/A
Ins Owners10.27%
Ins Owner ChangeN/A
Market Cap402.34M
Revenue(TTM)125.89M
Net Income(TTM)38.54M
Analysts67.69
Price Target24.73 (-1.04%)
Short Float %0.03%
Short Ratio0.62
Dividend
| Industry Rank | Sector 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 2026-02-13 (0.375)
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)-3.85%
PT rev (3m)-4.73%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)-3.94%
EPS NY rev (3m)-3.94%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 10.33 | ||
| P/S | 3.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.97 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.44
EY9.76%
EPS(NY)2.42
Fwd EY9.68%
FCF(TTM)-0.96
FCFYN/A
OCF(TTM)-0.96
OCFYN/A
SpS7.82
BVpS25.67
TBVpS25.67
PEG (NY)0.28
PEG (5Y)N/A
Graham Number37.54
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 2Y8.9%
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-15.48%
Revenue Next 2Y-7.89%
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 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 10.24 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%.