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SACHEM CAPITAL CORP - SACH 8 09/30/27 (SCCG) Stock Fundamental Analysis

USA - NYSEARCA:SCCG - US78590A8779

23.1 USD
+0.02 (+0.09%)
Last: 9/23/2025, 8:11:31 PM
Fundamental Rating

3

SCCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. SCCG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SCCG does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SCCG has reported negative net income.
In the past year SCCG had a positive cash flow from operations.
Of the past 5 years SCCG 4 years were profitable.
Each year in the past 5 years SCCG had a positive operating cash flow.
SCCG Yearly Net Income VS EBIT VS OCF VS FCFSCCG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

SCCG has a worse Return On Assets (-8.54%) than 94.03% of its industry peers.
SCCG has a worse Return On Equity (-24.08%) than 94.03% of its industry peers.
Industry RankSector 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
SCCG Yearly ROA, ROE, ROICSCCG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

SCCG has a Gross Margin of 0.79%. This is amonst the worse of the industry: SCCG underperforms 91.04% of its industry peers.
SCCG's Gross Margin has declined in the last couple of years.
SCCG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector 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%
SCCG Yearly Profit, Operating, Gross MarginsSCCG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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4

2. Health

2.1 Basic Checks

SCCG does not have a ROIC to compare to the WACC, probably because it is not profitable.
SCCG has more shares outstanding than it did 1 year ago.
SCCG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SCCG is higher compared to a year ago.
SCCG Yearly Shares OutstandingSCCG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SCCG Yearly Total Debt VS Total AssetsSCCG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

SCCG has an Altman-Z score of 1.94. This is not the best score and indicates that SCCG is in the grey zone with still only limited risk for bankruptcy at the moment.
SCCG has a better Altman-Z score (1.94) than 94.03% of its industry peers.
SCCG has a debt to FCF ratio of 175.42. This is a negative value and a sign of low solvency as SCCG would need 175.42 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 175.42, SCCG is doing worse than 62.69% of the companies in the same industry.
A Debt/Equity ratio of 1.77 is on the high side and indicates that SCCG has dependencies on debt financing.
SCCG's Debt to Equity ratio of 1.77 is amongst the best of the industry. SCCG outperforms 88.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 175.42
Altman-Z 1.94
ROIC/WACCN/A
WACC8.12%
SCCG Yearly LT Debt VS Equity VS FCFSCCG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.13 indicates that SCCG should not have too much problems paying its short term obligations.
SCCG has a Current ratio of 1.13. This is amongst the best in the industry. SCCG outperforms 86.57% of its industry peers.
SCCG has a Quick Ratio of 1.13. This is a normal value and indicates that SCCG is financially healthy and should not expect problems in meeting its short term obligations.
SCCG's Quick ratio of 1.13 is amongst the best of the industry. SCCG outperforms 86.57% of its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
SCCG Yearly Current Assets VS Current LiabilitesSCCG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. Growth

3.1 Past

The earnings per share for SCCG have decreased strongly by -1087.50% in the last year.
Looking at the last year, SCCG shows a very negative growth in Revenue. The Revenue has decreased by -61.15% in the last year.
The Revenue has been growing by 22.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-1087.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.22%
Revenue 1Y (TTM)-61.15%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-28.86%

3.2 Future

Based on estimates for the next years, SCCG will show a very strong growth in Earnings Per Share. The EPS will grow by 45.11% on average per year.
Based on estimates for the next years, SCCG will show a very negative growth in Revenue. The Revenue will decrease by -12.30% on average per year.
EPS Next Y104.04%
EPS Next 2Y45.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-28.61%
Revenue Next 2Y-12.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.
SCCG Yearly Revenue VS EstimatesSCCG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
SCCG Yearly EPS VS EstimatesSCCG Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 0.2 -0.2 0.4 -0.4 -0.6 -0.8

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1

4. Valuation

4.1 Price/Earnings Ratio

SCCG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 266.44, which means the current valuation is very expensive for SCCG.
Based on the Price/Forward Earnings ratio, SCCG is valued expensively inside the industry as 91.04% of the companies are valued cheaper.
SCCG's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.87.
Industry RankSector Rank
PE N/A
Fwd PE 266.44
SCCG Price Earnings VS Forward Price EarningsSCCG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100 150 200 250

4.2 Price Multiples

SCCG's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SCCG is more expensive than 74.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 607.87
EV/EBITDA N/A
SCCG Per share dataSCCG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SCCG does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as SCCG's earnings are expected to grow with 45.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y45.11%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.74%, SCCG is a good candidate for dividend investing.
With a Dividend Yield of 7.74, SCCG pays less dividend than the industry average, which is at 10.94. 89.55% of the companies listed in the same industry pay a better dividend than SCCG!
Compared to an average S&P500 Dividend Yield of 2.38, SCCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.74%

5.2 History

The dividend of SCCG decreases each year by -2.97%.
SCCG has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-2.97%
Div Incr Years0
Div Non Decr Years2
SCCG Yearly Dividends per shareSCCG Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

The earnings of SCCG are negative and hence is the payout ratio. SCCG will probably not be able to sustain this dividend level.
DP-35.76%
EPS Next 2Y45.11%
EPS Next 3YN/A
SCCG Yearly Income VS Free CF VS DividendSCCG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

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SACHEM CAPITAL CORP - SACH 8 09/30/27

NYSEARCA:SCCG (9/23/2025, 8:11:31 PM)

23.1

+0.02 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-12 2025-11-12/bmo
Inst Owners20.58%
Inst Owner ChangeN/A
Ins Owners4.84%
Ins Owner ChangeN/A
Market Cap1.09B
Analysts76.36
Price Target35.85 (55.19%)
Short Float %0%
Short Ratio0.26
Dividend
Industry RankSector Rank
Dividend Yield 7.74%
Yearly Dividend0.44
Dividend Growth(5Y)-2.97%
DP-35.76%
Div Incr Years0
Div Non Decr Years2
Ex-Date09-15 2025-09-15 (0.5)
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)10.55%
PT rev (3m)7.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-78.95%
EPS NY rev (1m)0%
EPS NY rev (3m)116.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-24.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 266.44
P/S 42.4
P/FCF 607.87
P/OCF 455.08
P/B 6.15
P/tB 6.18
EV/EBITDA N/A
EPS(TTM)-0.79
EYN/A
EPS(NY)0.09
Fwd EY0.38%
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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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 1.94
F-Score3
WACC8.12%
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)-1087.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.22%
EPS Next Y104.04%
EPS Next 2Y45.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-61.15%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-28.86%
Revenue Next Year-28.61%
Revenue Next 2Y-12.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-682.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1575.65%
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%