SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) Fundamental Analysis & Valuation

NYSE:SAZ • US80349A8696

Current stock price

25.64 USD
+0.04 (+0.16%)
Last:

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

3

1. SAZ Profitability Analysis

1.1 Basic Checks

  • SAZ had positive earnings in the past year.
  • In the past year SAZ has reported a negative cash flow from operations.
  • Each year in the past 5 years SAZ has been profitable.
  • In the past 5 years SAZ reported 4 times negative operating cash flow.
SAZ Yearly Net Income VS EBIT VS OCF VS FCFSAZ 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

  • SAZ has a Return On Assets (3.22%) which is in line with its industry peers.
  • SAZ has a Return On Equity of 9.33%. This is comparable to the rest of the industry: SAZ outperforms 58.16% of its industry peers.
  • The Return On Invested Capital of SAZ (2.49%) is worse than 66.11% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SAZ is below the industry average of 7.31%.
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%
SAZ Yearly ROA, ROE, ROICSAZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SAZ has a Profit Margin of 30.62%. This is in the better half of the industry: SAZ outperforms 74.90% of its industry peers.
  • In the last couple of years the Profit Margin of SAZ has declined.
  • Looking at the Operating Margin, with a value of 29.55%, SAZ is in line with its industry, outperforming 56.07% of the companies in the same industry.
  • In the last couple of years the Operating Margin of SAZ has grown nicely.
  • SAZ's Gross Margin of 37.43% is on the low side compared to the rest of the industry. SAZ is outperformed by 62.76% of its industry peers.
  • SAZ'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%
SAZ Yearly Profit, Operating, Gross MarginsSAZ 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. SAZ Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, SAZ has more shares outstanding
  • Compared to 5 years ago, SAZ has more shares outstanding
  • SAZ has a better debt/assets ratio than last year.
SAZ Yearly Shares OutstandingSAZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SAZ Yearly Total Debt VS Total AssetsSAZ 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

  • SAZ has an Altman-Z score of 0.65. This is a bad value and indicates that SAZ is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.65, SAZ perfoms like the industry average, outperforming 46.03% of the companies in the same industry.
  • SAZ has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
  • SAZ has a Debt to Equity ratio of 1.87. This is in the lower half of the industry: SAZ underperforms 78.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF N/A
Altman-Z 0.65
ROIC/WACCN/A
WACCN/A
SAZ Yearly LT Debt VS Equity VS FCFSAZ 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

  • SAZ has a Current Ratio of 11.66. This indicates that SAZ is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 11.66, SAZ belongs to the best of the industry, outperforming 93.31% of the companies in the same industry.
  • A Quick Ratio of 11.66 indicates that SAZ has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 11.66, SAZ belongs to the top of the industry, outperforming 93.31% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 11.66
Quick Ratio 11.66
SAZ Yearly Current Assets VS Current LiabilitesSAZ 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. SAZ Growth Analysis

3.1 Past

  • SAZ shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.61%.
  • SAZ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.46% yearly.
  • Looking at the last year, SAZ shows a very negative growth in Revenue. The Revenue has decreased by -18.68% in the last year.
  • 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

  • SAZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.28% yearly.
  • SAZ 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SAZ Yearly Revenue VS EstimatesSAZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
SAZ Yearly EPS VS EstimatesSAZ 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. SAZ Valuation Analysis

4.1 Price/Earnings Ratio

  • SAZ is valuated reasonably with a Price/Earnings ratio of 10.51.
  • SAZ's Price/Earnings ratio is a bit cheaper when compared to the industry. SAZ is cheaper than 64.44% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, SAZ is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.72, the valuation of SAZ can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, SAZ is valued a bit cheaper than the industry average as 64.44% of the companies are valued more expensively.
  • SAZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.51
Fwd PE 10.72
SAZ Price Earnings VS Forward Price EarningsSAZ 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
SAZ Per share dataSAZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

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)0.28
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

5

5. SAZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 12.48%, SAZ is a good candidate for dividend investing.
  • SAZ's Dividend Yield is a higher than the industry average which is at 6.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, SAZ pays a better dividend.
Industry RankSector 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 been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)9.46%
Div Incr Years0
Div Non Decr Years0
SAZ Yearly Dividends per shareSAZ Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • SAZ pays out 134.05% of its income as dividend. This is not a sustainable payout ratio.
  • SAZ'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
SAZ Yearly Income VS Free CF VS DividendSAZ 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
SAZ Dividend Payout.SAZ Dividend Payout, showing the Payout Ratio.SAZ Dividend Payout.PayoutRetained Earnings

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SAZ Fundamentals: All Metrics, Ratios and Statistics

SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28

NYSE:SAZ (4/30/2026, 4:15:00 PM)

25.64

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Industry Strength30.43
Industry Growth54.66
Earnings (Last)01-07
Earnings (Next)05-05
Inst Owners13.2%
Inst Owner ChangeN/A
Ins Owners10.18%
Ins Owner ChangeN/A
Market Cap415.88M
Revenue(TTM)125.89M
Net Income(TTM)38.54M
Analysts68.33
Price Target26.9 (4.91%)
Short Float %0%
Short Ratio0.07
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-Date05-15
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)2.5%
PT rev (3m)3.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.59%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.86%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 10.72
P/S 3.3
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.44
EY9.52%
EPS(NY)2.39
Fwd EY9.33%
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 Number37.3977 (45.86%)
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%-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 8 1/2 04/15/28 / SAZ Fundamental Analysis 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 4 / 10 to SAZ.


What is the valuation status for SAZ stock?

ChartMill assigns a valuation rating of 5 / 10 to SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ). This can be considered as Fairly Valued.


Can you provide the profitability details for SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28?

SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) has a profitability rating of 3 / 10.


How financially healthy is SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28?

The financial health rating of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) is 4 / 10.


What is the earnings growth outlook for SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28?

The Earnings per Share (EPS) of SARATOGA INVESTMENT CORP - SAR 8 1/2 04/15/28 (SAZ) is expected to grow by 37.04% in the next year.