SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) Fundamental Analysis & Valuation

NYSE:SAV • US80349A8514

Current stock price

25.25 USD
-0.01 (-0.04%)
Last:

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

3

1. SAV Profitability Analysis

1.1 Basic Checks

  • SAV had positive earnings in the past year.
  • In the past year SAV has reported a negative cash flow from operations.
  • SAV had positive earnings in each of the past 5 years.
  • In the past 5 years SAV reported 4 times negative operating cash flow.
SAV Yearly Net Income VS EBIT VS OCF VS FCFSAV 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%, SAV perfoms like the industry average, outperforming 54.39% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.33%, SAV is in line with its industry, outperforming 59.41% of the companies in the same industry.
  • SAV has a Return On Invested Capital of 2.49%. This is in the lower half of the industry: SAV underperforms 62.76% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SAV is below the industry average of 7.24%.
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%
SAV Yearly ROA, ROE, ROICSAV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 30.62%, SAV is doing good in the industry, outperforming 75.31% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SAV has declined.
  • SAV has a Operating Margin (29.55%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of SAV has grown nicely.
  • SAV has a worse Gross Margin (37.43%) than 61.92% of its industry peers.
  • SAV's Gross Margin has improved in the last couple of years.
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%
SAV Yearly Profit, Operating, Gross MarginsSAV 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. SAV Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for SAV has been increased compared to 1 year ago.
  • SAV has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SAV has an improved debt to assets ratio.
SAV Yearly Shares OutstandingSAV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SAV Yearly Total Debt VS Total AssetsSAV 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

  • SAV has an Altman-Z score of 0.65. This is a bad value and indicates that SAV is not financially healthy and even has some risk of bankruptcy.
  • SAV has a Altman-Z score (0.65) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.87 is on the high side and indicates that SAV has dependencies on debt financing.
  • SAV has a Debt to Equity ratio of 1.87. This is in the lower half of the industry: SAV underperforms 79.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF N/A
Altman-Z 0.65
ROIC/WACCN/A
WACCN/A
SAV Yearly LT Debt VS Equity VS FCFSAV 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

  • A Current Ratio of 11.66 indicates that SAV has no problem at all paying its short term obligations.
  • SAV has a Current ratio of 11.66. This is amongst the best in the industry. SAV outperforms 94.14% of its industry peers.
  • SAV has a Quick Ratio of 11.66. This indicates that SAV is financially healthy and has no problem in meeting its short term obligations.
  • SAV has a better Quick ratio (11.66) than 94.14% of its industry peers.
Industry RankSector Rank
Current Ratio 11.66
Quick Ratio 11.66
SAV Yearly Current Assets VS Current LiabilitesSAV 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. SAV Growth Analysis

3.1 Past

  • SAV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.61%.
  • SAV shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.46% yearly.
  • SAV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.68%.
  • SAV shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.56% yearly.
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%-11.8%

3.2 Future

  • SAV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.28% yearly.
  • SAV is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.28% yearly.
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

  • 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.
SAV Yearly Revenue VS EstimatesSAV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
SAV Yearly EPS VS EstimatesSAV 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. SAV Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.35 indicates a reasonable valuation of SAV.
  • Based on the Price/Earnings ratio, SAV is valued a bit cheaper than 63.60% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SAV to the average of the S&P500 Index (26.91), we can say SAV is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.56, which indicates a very decent valuation of SAV.
  • 65.27% of the companies in the same industry are more expensive than SAV, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.69. SAV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.35
Fwd PE 10.56
SAV Price Earnings VS Forward Price EarningsSAV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

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

4.3 Compensation for Growth

  • SAV's 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 2Y8.28%
EPS Next 3YN/A

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

4

5. SAV Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 12.48%, SAV is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.89, SAV pays a bit more dividend than its industry peers.
  • SAV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 12.48%

5.2 History

  • The dividend of SAV is nicely growing with an annual growth rate of 9.46%!
  • SAV does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)9.46%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 134.05% of the earnings are spent on dividend by SAV. This is not a sustainable payout ratio.
  • The dividend of SAV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP134.05%
EPS Next 2Y8.28%
EPS Next 3YN/A
SAV Yearly Income VS Free CF VS DividendSAV 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
SAV Dividend Payout.SAV Dividend Payout, showing the Payout Ratio.SAV Dividend Payout.PayoutRetained Earnings

More info and screens

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SAV Fundamentals: All Metrics, Ratios and Statistics

SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31

NYSE:SAV (4/9/2026, 12:01:24 PM)

25.25

-0.01 (-0.04%)

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 Cap409.55M
Revenue(TTM)125.89M
Net Income(TTM)38.54M
Analysts68.33
Price TargetN/A
Short Float %0.05%
Short Ratio0.37
Dividend
Industry RankSector Rank
Dividend Yield 12.48%
Yearly Dividend2.83
Dividend Growth(5Y)9.46%
DP134.05%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)1
Avg Revenue beat(4)-0.73%
Min Revenue beat(4)-6.72%
Max Revenue beat(4)6.55%
Revenue beat(8)5
Avg Revenue beat(8)2.29%
Revenue beat(12)7
Avg Revenue beat(12)3.65%
Revenue beat(16)10
Avg Revenue beat(16)4.12%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.35
Fwd PE 10.56
P/S 3.25
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)2.44
EY9.66%
EPS(NY)2.39
Fwd EY9.47%
FCF(TTM)-0.96
FCFYN/A
OCF(TTM)-0.96
OCFYN/A
SpS7.76
BVpS25.48
TBVpS25.48
PEG (NY)0.28
PEG (5Y)N/A
Graham Number37.4
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 0.65
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%-11.8%
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 7 1/2 02/06/31 / SAV Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) stock?

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


What is the valuation status for SAV stock?

ChartMill assigns a valuation rating of 5 / 10 to SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV). This can be considered as Fairly Valued.


How profitable is SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) stock?

SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for SAV stock?

The Earnings per Share (EPS) of SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) is expected to grow by 37.04% in the next year.


How sustainable is the dividend of SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) stock?

The dividend rating of SARATOGA INVESTMENT CORP - SAR 7 1/2 02/06/31 (SAV) is 4 / 10 and the dividend payout ratio is 134.05%.