23.04 USD
+0.02 (+0.09%)
Taking everything into account, SCCF scores 3 out of 10 in our fundamental rating. SCCF was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of SCCF is average, but there are quite some concerns on its profitability. SCCF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year SCCF has reported negative net income.
In the past year SCCF had a positive cash flow from operations.
SCCF had positive earnings in 4 of the past 5 years.
In the past 5 years SCCF always reported a positive cash flow from operatings.
1.2 Ratios
SCCF has a worse Return On Assets (-8.54%) than 94.12% of its industry peers.
SCCF's Return On Equity of -24.08% is on the low side compared to the rest of the industry. SCCF is outperformed by 94.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.54% | ||
| ROE | -24.08% | ||
| ROIC | N/A |
ROA(3y)-1.31%
ROA(5y)0.55%
ROE(3y)-3.66%
ROE(5y)1.3%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Gross Margin of SCCF (0.79%) is worse than 92.65% of its industry peers.
In the last couple of years the Gross Margin of SCCF has declined.
SCCF does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 0.79% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.78%
GM growth 5Y-22.09%
2. Health
2.1 Basic Checks
SCCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
SCCF has more shares outstanding than it did 1 year ago.
SCCF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SCCF has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 1.93 indicates that SCCF is not a great score, but indicates only limited risk for bankruptcy at the moment.
SCCF has a better Altman-Z score (1.93) than 94.12% of its industry peers.
The Debt to FCF ratio of SCCF is 175.42, which is on the high side as it means it would take SCCF, 175.42 years of fcf income to pay off all of its debts.
SCCF has a Debt to FCF ratio of 175.42. This is in the lower half of the industry: SCCF underperforms 69.12% of its industry peers.
A Debt/Equity ratio of 1.77 is on the high side and indicates that SCCF has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.77, SCCF belongs to the top of the industry, outperforming 89.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 175.42 | ||
| Altman-Z | 1.93 |
ROIC/WACCN/A
WACC8.05%
2.3 Liquidity
A Current Ratio of 1.13 indicates that SCCF should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.13, SCCF belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
SCCF has a Quick Ratio of 1.13. This is a normal value and indicates that SCCF is financially healthy and should not expect problems in meeting its short term obligations.
SCCF has a Quick ratio of 1.13. This is amongst the best in the industry. SCCF outperforms 85.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
SCCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -288.24%.
SCCF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -45.85%.
Measured over the past years, SCCF shows a very strong growth in Revenue. The Revenue has been growing by 22.88% on average per year.
EPS 1Y (TTM)-288.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)-45.85%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-18.84%
3.2 Future
Based on estimates for the next years, SCCF will show a very strong growth in Earnings Per Share. The EPS will grow by 44.98% on average per year.
Based on estimates for the next years, SCCF will show a very negative growth in Revenue. The Revenue will decrease by -12.68% on average per year.
EPS Next Y104.23%
EPS Next 2Y44.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-28.5%
Revenue Next 2Y-12.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
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 negative for SCCF. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 275.47, SCCF can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, SCCF is valued expensively inside the industry as 85.29% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of SCCF to the average of the S&P500 Index (34.46), we can say SCCF is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 275.47 |
4.2 Price Multiples
69.12% of the companies in the same industry are cheaper than SCCF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 606.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SCCF does not grow enough to justify the current Price/Earnings ratio.
SCCF's earnings are expected to grow with 44.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SCCF has a Yearly Dividend Yield of 7.74%, which is a nice return.
With a Dividend Yield of 7.74, SCCF pays less dividend than the industry average, which is at 12.04. 89.71% of the companies listed in the same industry pay a better dividend than SCCF!
Compared to an average S&P500 Dividend Yield of 2.45, SCCF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
5.2 History
The dividend of SCCF decreases each year by -2.97%.
SCCF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-2.97%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
SCCF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-35.76%
EPS Next 2Y44.98%
EPS Next 3YN/A
SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27
NYSEARCA:SCCF (11/21/2025, 8:04:00 PM)
23.04
+0.02 (+0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners19.79%
Inst Owner ChangeN/A
Ins Owners5.64%
Ins Owner ChangeN/A
Market Cap1.09B
Revenue(TTM)35.53M
Net Income(TTM)-42.84M
Analysts76.36
Price Target33.18 (44.01%)
Short Float %0%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
Yearly Dividend0.44
Dividend Growth(5Y)-2.97%
DP-35.76%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.03%
Min EPS beat(2)40.06%
Max EPS beat(2)100%
EPS beat(4)2
Avg EPS beat(4)-98.68%
Min EPS beat(4)-492.16%
Max EPS beat(4)100%
EPS beat(8)3
Avg EPS beat(8)-96.81%
EPS beat(12)5
Avg EPS beat(12)-66.51%
EPS beat(16)7
Avg EPS beat(16)-48.79%
Revenue beat(2)0
Avg Revenue beat(2)-11.19%
Min Revenue beat(2)-15.88%
Max Revenue beat(2)-6.51%
Revenue beat(4)0
Avg Revenue beat(4)-12.9%
Min Revenue beat(4)-27.15%
Max Revenue beat(4)-2.07%
Revenue beat(8)1
Avg Revenue beat(8)-5.93%
Revenue beat(12)4
Avg Revenue beat(12)-2.31%
Revenue beat(16)7
Avg Revenue beat(16)0.74%
PT rev (1m)-2.18%
PT rev (3m)8.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)25%
EPS NY rev (1m)0%
EPS NY rev (3m)117.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 275.47 | ||
| P/S | 42.29 | ||
| P/FCF | 606.29 | ||
| P/OCF | 453.9 | ||
| P/B | 6.13 | ||
| P/tB | 6.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.66
EYN/A
EPS(NY)0.08
Fwd EY0.36%
FCF(TTM)0.04
FCFY0.16%
OCF(TTM)0.05
OCFY0.22%
SpS0.54
BVpS3.76
TBVpS3.74
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.54% | ||
| ROE | -24.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 0.79% | ||
| FCFM | 6.97% |
ROA(3y)-1.31%
ROA(5y)0.55%
ROE(3y)-3.66%
ROE(5y)1.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.78%
GM growth 5Y-22.09%
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 175.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 144.84% | ||
| Cap/Sales | 2.34% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 | ||
| Altman-Z | 1.93 |
F-Score3
WACC8.05%
ROIC/WACCN/A
Cap/Depr(3y)599.52%
Cap/Depr(5y)1530.55%
Cap/Sales(3y)1.76%
Cap/Sales(5y)4.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-288.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y104.23%
EPS Next 2Y44.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.85%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-18.84%
Revenue Next Year-28.5%
Revenue Next 2Y-12.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-682.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1643.76%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.85%
FCF growth 3Y-22.08%
FCF growth 5Y13.23%
OCF growth 1Y-86.58%
OCF growth 3Y-22.86%
OCF growth 5Y9.68%
SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 / SCCF FAQ
What is the fundamental rating for SCCF stock?
ChartMill assigns a fundamental rating of 3 / 10 to SCCF.
What is the valuation status of SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) stock?
ChartMill assigns a valuation rating of 1 / 10 to SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF). This can be considered as Overvalued.
What is the profitability of SCCF stock?
SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) has a profitability rating of 2 / 10.
What is the expected EPS growth for SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) stock?
The Earnings per Share (EPS) of SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) is expected to grow by 104.23% in the next year.
Is the dividend of SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 sustainable?
The dividend rating of SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) is 3 / 10 and the dividend payout ratio is -35.76%.