SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) Stock Fundamental Analysis
USA - NYSE:SAZ - US80349A8696
25.5708 USD
0 (0%)
SAZ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. Both the profitability and the financial health of SAZ get a neutral evaluation. Nothing too spectacular is happening here. SAZ has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SAZ had positive earnings in the past year.
SAZ had a positive operating cash flow in the past year.
SAZ had positive earnings in each of the past 5 years.
In the past 5 years SAZ reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of SAZ (2.93%) is comparable to the rest of the industry.
SAZ has a Return On Equity (8.62%) which is comparable to the rest of the industry.
With a Return On Invested Capital value of 2.66%, SAZ is not doing good in the industry: 61.60% of the companies in the same industry are doing better.
SAZ had an Average Return On Invested Capital over the past 3 years of 3.34%. This is below the industry average of 7.63%.
| 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
With a decent Profit Margin value of 27.19%, SAZ is doing good in the industry, outperforming 68.78% of the companies in the same industry.
In the last couple of years the Profit Margin of SAZ has declined.
The Operating Margin of SAZ (30.81%) is comparable to the rest of the industry.
SAZ's Operating Margin has improved in the last couple of years.
SAZ's Gross Margin of 38.25% is on the low side compared to the rest of the industry. SAZ is outperformed by 61.60% of its industry peers.
SAZ'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
SAZ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SAZ has been increased compared to 5 years ago.
SAZ has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.69, we must say that SAZ is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.69, SAZ perfoms like the industry average, outperforming 43.46% of the companies in the same industry.
SAZ has a debt to FCF ratio of 9.02. This is a negative value and a sign of low solvency as SAZ would need 9.02 years to pay back of all of its debts.
SAZ has a Debt to FCF ratio of 9.02. This is comparable to the rest of the industry: SAZ outperforms 56.54% of its industry peers.
SAZ has a Debt/Equity ratio of 1.92. This is a high value indicating a heavy dependency on external financing.
SAZ has a Debt to Equity ratio of 1.92. This is amonst the worse of the industry: SAZ underperforms 81.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.92 | ||
| Debt/FCF | 9.02 | ||
| Altman-Z | 0.69 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 14.01 indicates that SAZ has no problem at all paying its short term obligations.
SAZ has a better Current ratio (14.01) than 94.51% of its industry peers.
A Quick Ratio of 14.01 indicates that SAZ has no problem at all paying its short term obligations.
SAZ has a Quick ratio of 14.01. This is amongst the best in the industry. SAZ outperforms 94.51% 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.
Measured over the past years, SAZ shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.46% on average per year.
The Revenue for SAZ has decreased by -16.19% in the past year. This is quite bad
SAZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.56% yearly.
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, SAZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.17% on average per year.
SAZ is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.46% yearly.
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.
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
The Price/Earnings ratio is 10.93, which indicates a very decent valuation of SAZ.
Compared to the rest of the industry, the Price/Earnings ratio of SAZ indicates a somewhat cheap valuation: SAZ is cheaper than 66.24% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.03. SAZ is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.71, the valuation of SAZ can be described as very reasonable.
Based on the Price/Forward Earnings ratio, SAZ is valued a bit cheaper than 63.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SAZ to the average of the S&P500 Index (22.27), we can say SAZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 10.71 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SAZ is valued cheaper than 83.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SAZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y8.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SAZ has a Yearly Dividend Yield of 12.48%, which is a nice return.
SAZ's Dividend Yield is a higher than the industry average which is at 8.50.
SAZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.48% |
5.2 History
On average, the dividend of SAZ grows each year by 9.46%, which is quite nice.
SAZ 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
140.84% of the earnings are spent on dividend by SAZ. This is not a sustainable payout ratio.
SAZ'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 8 1/2 04/15/28
NYSE:SAZ (11/4/2025, 4:15:00 PM)
25.5708
0 (0%)
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 Cap411.69M
Revenue(TTM)130.12M
Net Income(TTM)35.38M
Analysts70.77
Price Target26.57 (3.91%)
Short Float %0.02%
Short Ratio0.52
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)2.44%
PT rev (3m)3.56%
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 | 10.93 | ||
| Fwd PE | 10.71 | ||
| P/S | 3.16 | ||
| P/FCF | 4.72 | ||
| P/OCF | 4.72 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.34
EY9.15%
EPS(NY)2.39
Fwd EY9.33%
FCF(TTM)5.42
FCFY21.19%
OCF(TTM)5.42
OCFY21.19%
SpS8.08
BVpS25.5
TBVpS25.5
PEG (NY)0.26
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 | 0.69 |
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 8 1/2 04/15/28 / SAZ FAQ
What is the ChartMill fundamental rating of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SAZ.
What is the valuation status of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) stock?
ChartMill assigns a valuation rating of 6 / 10 to SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ). This can be considered as Fairly Valued.
How profitable is SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) stock?
SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) has a profitability rating of 4 / 10.
What is the valuation of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) is 10.93 and the Price/Book (PB) ratio is 1.
Can you provide the expected EPS growth for SAZ stock?
The Earnings per Share (EPS) of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) is expected to grow by 42.66% in the next year.