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SOURCE CAPITAL (SOR) Stock Overview

USA - NYSE:SOR - US8361443034

45.39 USD
-0.19 (-0.42%)
Last: 10/17/2025, 3:09:45 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to SOR. SOR was compared to 99 industry peers in the Financial Services industry. SOR gets an excellent profitability rating and is at the same time showing great financial health properties. SOR is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

SOR had positive earnings in the past year.
SOR had a positive operating cash flow in the past year.
SOR had positive earnings in 4 of the past 5 years.
Of the past 5 years SOR 4 years had a positive operating cash flow.
SOR Yearly Net Income VS EBIT VS OCF VS FCFSOR 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 60M

1.2 Ratios

With an excellent Return On Assets value of 11.35%, SOR belongs to the best of the industry, outperforming 92.93% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.38%, SOR is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
SOR has a Return On Invested Capital (3.28%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SOR is below the industry average of 7.72%.
The last Return On Invested Capital (3.28%) for SOR is above the 3 year average (3.18%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 11.35%
ROE 11.38%
ROIC 3.28%
ROA(3y)5.71%
ROA(5y)6.65%
ROE(3y)5.94%
ROE(5y)6.84%
ROIC(3y)3.18%
ROIC(5y)2.5%
SOR Yearly ROA, ROE, ROICSOR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

SOR has a better Profit Margin (225.49%) than 100.00% of its industry peers.
In the last couple of years the Profit Margin of SOR has declined.
SOR's Operating Margin of 82.17% is amongst the best of the industry. SOR outperforms 96.97% of its industry peers.
SOR's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 84.79%, SOR belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
SOR's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 82.17%
PM (TTM) 225.49%
GM 84.79%
OM growth 3Y5.31%
OM growth 5Y5.07%
PM growth 3Y-18.82%
PM growth 5Y-22.88%
GM growth 3Y5.08%
GM growth 5Y3.92%
SOR Yearly Profit, Operating, Gross MarginsSOR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200 400 -400 600

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9

2. Health

2.1 Basic Checks

SOR has about the same amout of shares outstanding than it did 1 year ago.
SOR has less shares outstanding than it did 5 years ago.
There is no outstanding debt for SOR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SOR Yearly Shares OutstandingSOR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
SOR Yearly Total Debt VS Total AssetsSOR 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

An Altman-Z score of 201.39 indicates that SOR is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 201.39, SOR belongs to the top of the industry, outperforming 97.98% of the companies in the same industry.
There is no outstanding debt for SOR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 201.39
ROIC/WACCN/A
WACCN/A
SOR Yearly LT Debt VS Equity VS FCFSOR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 3.86 indicates that SOR has no problem at all paying its short term obligations.
SOR has a better Current ratio (3.86) than 87.88% of its industry peers.
A Quick Ratio of 3.86 indicates that SOR has no problem at all paying its short term obligations.
SOR has a Quick ratio of 3.86. This is amongst the best in the industry. SOR outperforms 88.89% of its industry peers.
Industry RankSector Rank
Current Ratio 3.86
Quick Ratio 3.86
SOR Yearly Current Assets VS Current LiabilitesSOR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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1

3. Growth

3.1 Past

SOR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.10%.
SOR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.33% yearly.
SOR shows a decrease in Revenue. In the last year, the revenue decreased by -8.36%.
Measured over the past years, SOR shows a quite strong growth in Revenue. The Revenue has been growing by 16.83% on average per year.
EPS 1Y (TTM)-14.1%
EPS 3Y-1.38%
EPS 5Y-9.33%
EPS Q2Q%15.46%
Revenue 1Y (TTM)-8.36%
Revenue growth 3Y20.67%
Revenue growth 5Y16.83%
Sales Q2Q%-9.3%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SOR Yearly Revenue VS EstimatesSOR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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4

4. Valuation

4.1 Price/Earnings Ratio

SOR is valuated reasonably with a Price/Earnings ratio of 8.66.
SOR's Price/Earnings ratio is a bit cheaper when compared to the industry. SOR is cheaper than 74.75% of the companies in the same industry.
SOR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.
Industry RankSector Rank
PE 8.66
Fwd PE N/A
SOR Price Earnings VS Forward Price EarningsSOR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SOR is valued a bit cheaper than 76.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.69
EV/EBITDA N/A
SOR Per share dataSOR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The decent profitability rating of SOR may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 11.38%, SOR is a good candidate for dividend investing.
SOR's Dividend Yield is rather good when compared to the industry average which is at 4.87. SOR pays more dividend than 95.96% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, SOR pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.38%

5.2 History

On average, the dividend of SOR grows each year by 38.62%, which is quite nice.
SOR has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of SOR decreased in the last 3 years.
Dividend Growth(5Y)38.62%
Div Incr Years2
Div Non Decr Years2
SOR Yearly Dividends per shareSOR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

5.3 Sustainability

SOR pays out 97.67% of its income as dividend. This is not a sustainable payout ratio.
SOR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP97.67%
EPS Next 2YN/A
EPS Next 3YN/A
SOR Yearly Income VS Free CF VS DividendSOR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M
SOR Dividend Payout.SOR Dividend Payout, showing the Payout Ratio.SOR Dividend Payout.PayoutRetained Earnings

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SOURCE CAPITAL

NYSE:SOR (10/17/2025, 3:09:45 PM)

45.39

-0.19 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-04 2025-09-04
Earnings (Next)03-05 2026-03-05
Inst Owners47.74%
Inst Owner Change0.37%
Ins Owners0%
Ins Owner Change0%
Market Cap373.56M
Analysts0
Price TargetN/A
Short Float %0.08%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield 11.38%
Yearly Dividend5.12
Dividend Growth(5Y)38.62%
DP97.67%
Div Incr Years2
Div Non Decr Years2
Ex-Date11-14 2025-11-14 (0.2083)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.66
Fwd PE N/A
P/S 19.59
P/FCF 8.69
P/OCF 8.69
P/B 0.99
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)5.24
EY11.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.22
FCFY11.51%
OCF(TTM)5.22
OCFY11.51%
SpS2.32
BVpS45.91
TBVpS45.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 11.35%
ROE 11.38%
ROCE 4.15%
ROIC 3.28%
ROICexc 3.28%
ROICexgc 3.28%
OM 82.17%
PM (TTM) 225.49%
GM 84.79%
FCFM 225.49%
ROA(3y)5.71%
ROA(5y)6.65%
ROE(3y)5.94%
ROE(5y)6.84%
ROIC(3y)3.18%
ROIC(5y)2.5%
ROICexc(3y)3.19%
ROICexc(5y)2.5%
ROICexgc(3y)3.19%
ROICexgc(5y)2.5%
ROCE(3y)4.03%
ROCE(5y)3.16%
ROICexcg growth 3Y30.09%
ROICexcg growth 5Y24.1%
ROICexc growth 3Y30.09%
ROICexc growth 5Y24.1%
OM growth 3Y5.31%
OM growth 5Y5.07%
PM growth 3Y-18.82%
PM growth 5Y-22.88%
GM growth 3Y5.08%
GM growth 5Y3.92%
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 100%
Current Ratio 3.86
Quick Ratio 3.86
Altman-Z 201.39
F-Score4
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)-14.1%
EPS 3Y-1.38%
EPS 5Y-9.33%
EPS Q2Q%15.46%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.36%
Revenue growth 3Y20.67%
Revenue growth 5Y16.83%
Sales Q2Q%-9.3%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.67%
EBIT growth 3Y27.08%
EBIT growth 5Y22.75%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.34%
FCF growth 3Y-2.04%
FCF growth 5Y-9.91%
OCF growth 1Y7.34%
OCF growth 3Y-2.04%
OCF growth 5Y-9.91%