STELLUS CAPITAL INVESTMENT C (SCM) Stock Fundamental Analysis
USA - NYSE:SCM - US8585681088 - Common Stock
12.05 USD
+0.06 (+0.5%)
11.92 USD
-0.13 (-1.08%)
Taking everything into account, SCM scores 3 out of 10 in our fundamental rating. SCM was compared to 237 industry peers in the Capital Markets industry. While SCM is still in line with the averages on profitability rating, there are concerns on its financial health. SCM has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
SCM had positive earnings in the past year.
SCM had a negative operating cash flow in the past year.
Each year in the past 5 years SCM has been profitable.
In the past 5 years SCM always reported negative operating cash flow.
1.2 Ratios
SCM has a Return On Assets of 3.80%. This is comparable to the rest of the industry: SCM outperforms 58.23% of its industry peers.
SCM's Return On Equity of 10.47% is in line compared to the rest of the industry. SCM outperforms 59.92% of its industry peers.
SCM has a Return On Invested Capital of 3.20%. This is comparable to the rest of the industry: SCM outperforms 44.73% of its industry peers.
SCM had an Average Return On Invested Capital over the past 3 years of 3.36%. This is below the industry average of 7.47%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.8% | ||
| ROE | 10.47% | ||
| ROIC | 3.2% |
ROA(3y)2.74%
ROA(5y)3.06%
ROE(3y)7.71%
ROE(5y)8.46%
ROIC(3y)3.36%
ROIC(5y)2.97%
1.3 Margins
SCM has a Profit Margin of 38.24%. This is amongst the best in the industry. SCM outperforms 82.28% of its industry peers.
SCM's Profit Margin has been stable in the last couple of years.
SCM has a Operating Margin of 39.94%. This is in the better half of the industry: SCM outperforms 73.00% of its industry peers.
SCM's Operating Margin has been stable in the last couple of years.
SCM has a Gross Margin (43.01%) which is in line with its industry peers.
In the last couple of years the Gross Margin of SCM has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.94% | ||
| PM (TTM) | 38.24% | ||
| GM | 43.01% |
OM growth 3Y8.4%
OM growth 5Y1.06%
PM growth 3Y-6.01%
PM growth 5Y-0.5%
GM growth 3Y3.4%
GM growth 5Y-0.96%
2. Health
2.1 Basic Checks
The number of shares outstanding for SCM has been increased compared to 1 year ago.
The number of shares outstanding for SCM has been increased compared to 5 years ago.
Compared to 1 year ago, SCM has an improved debt to assets ratio.
2.2 Solvency
SCM has an Altman-Z score of 0.54. This is a bad value and indicates that SCM is not financially healthy and even has some risk of bankruptcy.
SCM has a worse Altman-Z score (0.54) than 61.60% of its industry peers.
A Debt/Equity ratio of 1.70 is on the high side and indicates that SCM has dependencies on debt financing.
The Debt to Equity ratio of SCM (1.70) is worse than 75.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.54 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.00 indicates that SCM has no problem at all paying its short term obligations.
SCM has a better Current ratio (2.00) than 71.73% of its industry peers.
A Quick Ratio of 2.00 indicates that SCM has no problem at all paying its short term obligations.
SCM has a Quick ratio of 2.00. This is in the better half of the industry: SCM outperforms 72.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2 | ||
| Quick Ratio | 2 |
3. Growth
3.1 Past
The earnings per share for SCM have decreased strongly by -22.47% in the last year.
Measured over the past 5 years, SCM shows a small growth in Earnings Per Share. The EPS has been growing by 5.92% on average per year.
The Revenue has decreased by -1.05% in the past year.
SCM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.20% yearly.
EPS 1Y (TTM)-22.47%
EPS 3Y17.54%
EPS 5Y5.92%
EPS Q2Q%-12.82%
Revenue 1Y (TTM)-1.05%
Revenue growth 3Y18.04%
Revenue growth 5Y12.2%
Sales Q2Q%-0.82%
3.2 Future
The Earnings Per Share is expected to decrease by -11.91% on average over the next years. This is quite bad
The Revenue is expected to decrease by -1.78% on average over the next years.
EPS Next Y-19.26%
EPS Next 2Y-14.49%
EPS Next 3Y-11.91%
EPS Next 5YN/A
Revenue Next Year-2.31%
Revenue Next 2Y-0.55%
Revenue Next 3Y-1.78%
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 decreasing.
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
With a Price/Earnings ratio of 8.73, the valuation of SCM can be described as very reasonable.
Based on the Price/Earnings ratio, SCM is valued a bit cheaper than the industry average as 77.64% of the companies are valued more expensively.
SCM is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.05 indicates a reasonable valuation of SCM.
Based on the Price/Forward Earnings ratio, SCM is valued a bit cheaper than 70.04% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SCM to the average of the S&P500 Index (34.59), we can say SCM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.73 | ||
| Fwd PE | 10.05 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SCM's earnings are expected to decrease with -11.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.47
EPS Next 2Y-14.49%
EPS Next 3Y-11.91%
5. Dividend
5.1 Amount
SCM has a Yearly Dividend Yield of 13.34%, which is a nice return.
SCM's Dividend Yield is rather good when compared to the industry average which is at 8.45. SCM pays more dividend than 85.23% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, SCM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.34% |
5.2 History
The dividend of SCM has a limited annual growth rate of 0.69%.
SCM has been paying a dividend for at least 10 years, so it has a reliable track record.
SCM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.69%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
111.10% of the earnings are spent on dividend by SCM. This is not a sustainable payout ratio.
The Dividend Rate of SCM has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP111.1%
EPS Next 2Y-14.49%
EPS Next 3Y-11.91%
12.05
+0.06 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners12.8%
Inst Owner Change-0.32%
Ins Owners3.99%
Ins Owner Change0%
Market Cap342.46M
Revenue(TTM)104.74M
Net Income(TTM)39.29M
Analysts72
Price Target13.87 (15.1%)
Short Float %1.56%
Short Ratio2.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.34% |
Yearly Dividend1.46
Dividend Growth(5Y)0.69%
DP111.1%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.33%
Min EPS beat(2)-8.9%
Max EPS beat(2)-3.76%
EPS beat(4)0
Avg EPS beat(4)-9.97%
Min EPS beat(4)-15.6%
Max EPS beat(4)-3.76%
EPS beat(8)2
Avg EPS beat(8)-4.57%
EPS beat(12)6
Avg EPS beat(12)1.68%
EPS beat(16)7
Avg EPS beat(16)-0.85%
Revenue beat(2)0
Avg Revenue beat(2)-4.87%
Min Revenue beat(2)-7.2%
Max Revenue beat(2)-2.53%
Revenue beat(4)0
Avg Revenue beat(4)-4.05%
Min Revenue beat(4)-7.2%
Max Revenue beat(4)-2.37%
Revenue beat(8)1
Avg Revenue beat(8)-2.7%
Revenue beat(12)5
Avg Revenue beat(12)0.31%
Revenue beat(16)7
Avg Revenue beat(16)0.51%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.48%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.73 | ||
| Fwd PE | 10.05 | ||
| P/S | 3.33 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.91 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY11.45%
EPS(NY)1.2
Fwd EY9.95%
FCF(TTM)-1.17
FCFYN/A
OCF(TTM)-1.17
OCFYN/A
SpS3.62
BVpS13.21
TBVpS13.21
PEG (NY)N/A
PEG (5Y)1.47
Graham Number20.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.8% | ||
| ROE | 10.47% | ||
| ROCE | 4.05% | ||
| ROIC | 3.2% | ||
| ROICexc | 3.33% | ||
| ROICexgc | 3.33% | ||
| OM | 39.94% | ||
| PM (TTM) | 38.24% | ||
| GM | 43.01% | ||
| FCFM | N/A |
ROA(3y)2.74%
ROA(5y)3.06%
ROE(3y)7.71%
ROE(5y)8.46%
ROIC(3y)3.36%
ROIC(5y)2.97%
ROICexc(3y)3.48%
ROICexc(5y)3.08%
ROICexgc(3y)3.48%
ROICexgc(5y)3.08%
ROCE(3y)4.26%
ROCE(5y)3.76%
ROICexgc growth 3Y19.04%
ROICexgc growth 5Y4.29%
ROICexc growth 3Y19.04%
ROICexc growth 5Y4.29%
OM growth 3Y8.4%
OM growth 5Y1.06%
PM growth 3Y-6.01%
PM growth 5Y-0.5%
GM growth 3Y3.4%
GM growth 5Y-0.96%
F-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.43 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2 | ||
| Quick Ratio | 2 | ||
| Altman-Z | 0.54 |
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)-22.47%
EPS 3Y17.54%
EPS 5Y5.92%
EPS Q2Q%-12.82%
EPS Next Y-19.26%
EPS Next 2Y-14.49%
EPS Next 3Y-11.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.05%
Revenue growth 3Y18.04%
Revenue growth 5Y12.2%
Sales Q2Q%-0.82%
Revenue Next Year-2.31%
Revenue Next 2Y-0.55%
Revenue Next 3Y-1.78%
Revenue Next 5YN/A
EBIT growth 1Y-11.36%
EBIT growth 3Y27.95%
EBIT growth 5Y13.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-193.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-193.79%
OCF growth 3YN/A
OCF growth 5YN/A
STELLUS CAPITAL INVESTMENT C / SCM FAQ
What is the fundamental rating for SCM stock?
ChartMill assigns a fundamental rating of 3 / 10 to SCM.
What is the valuation status for SCM stock?
ChartMill assigns a valuation rating of 4 / 10 to STELLUS CAPITAL INVESTMENT C (SCM). This can be considered as Fairly Valued.
What is the profitability of SCM stock?
STELLUS CAPITAL INVESTMENT C (SCM) has a profitability rating of 4 / 10.
What is the valuation of STELLUS CAPITAL INVESTMENT C based on its PE and PB ratios?
The Price/Earnings (PE) ratio for STELLUS CAPITAL INVESTMENT C (SCM) is 8.73 and the Price/Book (PB) ratio is 0.91.
What is the financial health of STELLUS CAPITAL INVESTMENT C (SCM) stock?
The financial health rating of STELLUS CAPITAL INVESTMENT C (SCM) is 3 / 10.