STELLUS CAPITAL INVESTMENT C (SCM) Fundamental Analysis & Valuation

NYSE:SCM • US8585681088

Current stock price

8.81 USD
-0.3 (-3.29%)
At close:
8.81 USD
0 (0%)
After Hours:

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

3

1. SCM Profitability Analysis

1.1 Basic Checks

  • SCM had positive earnings in the past year.
  • In the past year SCM has reported a negative cash flow from operations.
  • SCM had positive earnings in each of the past 5 years.
  • In the past 5 years SCM always reported negative operating cash flow.
SCM Yearly Net Income VS EBIT VS OCF VS FCFSCM 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 -50M -100M

1.2 Ratios

  • SCM has a Return On Assets (2.60%) which is comparable to the rest of the industry.
  • The Return On Equity of SCM (7.29%) is comparable to the rest of the industry.
  • SCM has a Return On Invested Capital of 2.97%. This is comparable to the rest of the industry: SCM outperforms 43.93% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SCM is below the industry average of 7.28%.
Industry RankSector Rank
ROA 2.6%
ROE 7.29%
ROIC 2.97%
ROA(3y)3.07%
ROA(5y)2.98%
ROE(3y)8.39%
ROE(5y)8.44%
ROIC(3y)3.46%
ROIC(5y)3.02%
SCM Yearly ROA, ROE, ROICSCM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • SCM's Profit Margin of 26.48% is fine compared to the rest of the industry. SCM outperforms 69.04% of its industry peers.
  • SCM's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 37.66%, SCM is in the better half of the industry, outperforming 68.20% of the companies in the same industry.
  • SCM's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of SCM (40.35%) is comparable to the rest of the industry.
  • SCM's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 37.66%
PM (TTM) 26.48%
GM 40.35%
OM growth 3Y-1.67%
OM growth 5Y-1.28%
PM growth 3Y11.13%
PM growth 5Y-5.77%
GM growth 3Y-3.8%
GM growth 5Y-3.58%
SCM Yearly Profit, Operating, Gross MarginsSCM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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2

2. SCM Health Analysis

2.1 Basic Checks

  • SCM has more shares outstanding than it did 1 year ago.
  • SCM has more shares outstanding than it did 5 years ago.
  • SCM has a worse debt/assets ratio than last year.
SCM Yearly Shares OutstandingSCM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
SCM Yearly Total Debt VS Total AssetsSCM 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

  • SCM has an Altman-Z score of 0.43. This is a bad value and indicates that SCM is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of SCM (0.43) is worse than 61.51% of its industry peers.
  • SCM has a Debt/Equity ratio of 1.76. This is a high value indicating a heavy dependency on external financing.
  • SCM's Debt to Equity ratio of 1.76 is on the low side compared to the rest of the industry. SCM is outperformed by 75.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.76
Debt/FCF N/A
Altman-Z 0.43
ROIC/WACCN/A
WACCN/A
SCM Yearly LT Debt VS Equity VS FCFSCM 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 400M 600M

2.3 Liquidity

  • SCM has a Current Ratio of 1.46. This is a normal value and indicates that SCM is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of SCM (1.46) is better than 67.36% of its industry peers.
  • SCM has a Quick Ratio of 1.46. This is a normal value and indicates that SCM is financially healthy and should not expect problems in meeting its short term obligations.
  • SCM has a Quick ratio of 1.46. This is in the better half of the industry: SCM outperforms 67.78% of its industry peers.
Industry RankSector Rank
Current Ratio 1.46
Quick Ratio 1.46
SCM Yearly Current Assets VS Current LiabilitesSCM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. SCM Growth Analysis

3.1 Past

  • SCM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.44%.
  • Measured over the past 5 years, SCM shows a small growth in Earnings Per Share. The EPS has been growing by 1.04% on average per year.
  • SCM shows a decrease in Revenue. In the last year, the revenue decreased by -2.48%.
  • The Revenue has been growing by 12.51% on average over the past years. This is quite good.
EPS 1Y (TTM)-27.44%
EPS 3Y-6.72%
EPS 5Y1.04%
EPS Q2Q%-48.57%
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y10.79%
Revenue growth 5Y12.51%
Sales Q2Q%-1.57%

3.2 Future

  • The Earnings Per Share is expected to decrease by -3.38% on average over the next years.
  • Based on estimates for the next years, SCM will show a decrease in Revenue. The Revenue will decrease by -1.74% on average per year.
EPS Next Y-6%
EPS Next 2Y-3.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.28%
Revenue Next 2Y-1.74%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
SCM Yearly Revenue VS EstimatesSCM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
SCM Yearly EPS VS EstimatesSCM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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4

4. SCM Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.40, the valuation of SCM can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of SCM indicates a somewhat cheap valuation: SCM is cheaper than 74.48% of the companies listed in the same industry.
  • SCM is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • SCM is valuated cheaply with a Price/Forward Earnings ratio of 7.88.
  • 77.82% of the companies in the same industry are more expensive than SCM, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SCM to the average of the S&P500 Index (22.19), we can say SCM is valued rather cheaply.
Industry RankSector Rank
PE 7.4
Fwd PE 7.88
SCM Price Earnings VS Forward Price EarningsSCM 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
SCM Per share dataSCM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as SCM's earnings are expected to decrease with -3.38% in the coming years.
PEG (NY)N/A
PEG (5Y)7.12
EPS Next 2Y-3.38%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SCM Dividend Analysis

5.1 Amount

  • SCM has a Yearly Dividend Yield of 14.93%, which is a nice return.
  • The stock price of SCM dropped by -29.91% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 6.73, SCM pays a better dividend. On top of this SCM pays more dividend than 85.36% of the companies listed in the same industry.
  • SCM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 14.93%

5.2 History

  • The dividend of SCM has a limited annual growth rate of 4.93%.
  • SCM has paid a dividend for at least 10 years, which is a reliable track record.
  • SCM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.93%
Div Incr Years0
Div Non Decr Years3
SCM Yearly Dividends per shareSCM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 167.37% of the earnings are spent on dividend by SCM. This is not a sustainable payout ratio.
  • SCM's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP167.37%
EPS Next 2Y-3.38%
EPS Next 3YN/A
SCM Yearly Income VS Free CF VS DividendSCM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50M -100M
SCM Dividend Payout.SCM Dividend Payout, showing the Payout Ratio.SCM Dividend Payout.PayoutRetained Earnings

More info and screens

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SCM Fundamentals: All Metrics, Ratios and Statistics

STELLUS CAPITAL INVESTMENT C

NYSE:SCM (3/27/2026, 8:04:00 PM)

After market: 8.81 0 (0%)

8.81

-0.3 (-3.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-11
Earnings (Next)05-11
Inst Owners14.28%
Inst Owner Change7.34%
Ins Owners3.91%
Ins Owner Change5.31%
Market Cap255.05M
Revenue(TTM)102.14M
Net Income(TTM)27.05M
Analysts73.33
Price Target11.22 (27.36%)
Short Float %2.44%
Short Ratio2.64
Dividend
Industry RankSector Rank
Dividend Yield 14.93%
Yearly Dividend1.6
Dividend Growth(5Y)4.93%
DP167.37%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-19.57%
Min EPS beat(2)-41.42%
Max EPS beat(2)2.29%
EPS beat(4)1
Avg EPS beat(4)-12.95%
Min EPS beat(4)-41.42%
Max EPS beat(4)2.29%
EPS beat(8)2
Avg EPS beat(8)-10.17%
EPS beat(12)5
Avg EPS beat(12)-5.86%
EPS beat(16)8
Avg EPS beat(16)-1.07%
Revenue beat(2)1
Avg Revenue beat(2)-1.41%
Min Revenue beat(2)-3.46%
Max Revenue beat(2)0.65%
Revenue beat(4)1
Avg Revenue beat(4)-3.14%
Min Revenue beat(4)-7.2%
Max Revenue beat(4)0.65%
Revenue beat(8)1
Avg Revenue beat(8)-3.1%
Revenue beat(12)4
Avg Revenue beat(12)-1.69%
Revenue beat(16)6
Avg Revenue beat(16)-0.51%
PT rev (1m)0%
PT rev (3m)0.19%
EPS NQ rev (1m)-6.19%
EPS NQ rev (3m)-6.19%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)1.74%
Revenue NQ rev (3m)1.74%
Revenue NY rev (1m)3.01%
Revenue NY rev (3m)1.18%
Valuation
Industry RankSector Rank
PE 7.4
Fwd PE 7.88
P/S 2.5
P/FCF N/A
P/OCF N/A
P/B 0.69
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)1.19
EY13.51%
EPS(NY)1.12
Fwd EY12.7%
FCF(TTM)-0.84
FCFYN/A
OCF(TTM)-0.84
OCFYN/A
SpS3.53
BVpS12.82
TBVpS12.82
PEG (NY)N/A
PEG (5Y)7.12
Graham Number18.53
Profitability
Industry RankSector Rank
ROA 2.6%
ROE 7.29%
ROCE 3.76%
ROIC 2.97%
ROICexc 3.04%
ROICexgc 3.04%
OM 37.66%
PM (TTM) 26.48%
GM 40.35%
FCFM N/A
ROA(3y)3.07%
ROA(5y)2.98%
ROE(3y)8.39%
ROE(5y)8.44%
ROIC(3y)3.46%
ROIC(5y)3.02%
ROICexc(3y)3.55%
ROICexc(5y)3.13%
ROICexgc(3y)3.55%
ROICexgc(5y)3.13%
ROCE(3y)4.39%
ROCE(5y)3.83%
ROICexgc growth 3Y2.52%
ROICexgc growth 5Y1.89%
ROICexc growth 3Y2.52%
ROICexc growth 5Y1.89%
OM growth 3Y-1.67%
OM growth 5Y-1.28%
PM growth 3Y11.13%
PM growth 5Y-5.77%
GM growth 3Y-3.8%
GM growth 5Y-3.58%
F-Score2
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.76
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.23
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.46
Quick Ratio 1.46
Altman-Z 0.43
F-Score2
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)-27.44%
EPS 3Y-6.72%
EPS 5Y1.04%
EPS Q2Q%-48.57%
EPS Next Y-6%
EPS Next 2Y-3.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y10.79%
Revenue growth 5Y12.51%
Sales Q2Q%-1.57%
Revenue Next Year-1.28%
Revenue Next 2Y-1.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-12.06%
EBIT growth 3Y8.94%
EBIT growth 5Y11.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y14.66%
OCF growth 3YN/A
OCF growth 5YN/A

STELLUS CAPITAL INVESTMENT C / SCM Fundamental Analysis FAQ

What is the fundamental rating for SCM stock?

ChartMill assigns a fundamental rating of 3 / 10 to SCM.


What is the valuation status of STELLUS CAPITAL INVESTMENT C (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 3 / 10.


What is the financial health of STELLUS CAPITAL INVESTMENT C (SCM) stock?

The financial health rating of STELLUS CAPITAL INVESTMENT C (SCM) is 2 / 10.


What is the earnings growth outlook for STELLUS CAPITAL INVESTMENT C?

The Earnings per Share (EPS) of STELLUS CAPITAL INVESTMENT C (SCM) is expected to decline by -6% in the next year.