Saratoga Investment Corp 8.125%
Saratoga Investment Corp 8.125% Fundamental Analysis
Saratoga Investment Corp 8.125% (SAY) shows strong financial fundamentals with a PE ratio of 9.53, profit margin of 31.79%, and ROE of -0.14%. The company generates $0.1B in annual revenue with strong year-over-year growth of 35.40%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 88.3/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze SAY's fundamental strength across five key dimensions:
Efficiency Score
WeakSAY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSAY trades at attractive valuation levels.
Growth Score
ModerateSAY shows steady but slowing expansion.
Financial Health Score
ModerateSAY shows balanced financial health with some risks.
Profitability Score
ModerateSAY maintains healthy but balanced margins.
Key Financial Metrics
Is SAY Expensive or Cheap?
P/E Ratio
SAY trades at 9.53 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SAY's PEG of 0.67 indicates potential undervaluation.
Price to Book
The market values Saratoga Investment Corp 8.125% at -0.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -208.45 times EBITDA. This is generally considered low.
How Well Does SAY Make Money?
Net Profit Margin
For every $100 in sales, Saratoga Investment Corp 8.125% keeps $31.79 as profit after all expenses.
Operating Margin
Core operations generate 43.09 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-0.14 in profit for every $100 of shareholder equity.
ROA
Saratoga Investment Corp 8.125% generates $0.01 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Saratoga Investment Corp 8.125% generates strong operating cash flow of $53.18M, reflecting robust business health.
Free Cash Flow
Saratoga Investment Corp 8.125% generates strong free cash flow of $53.18M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.27 in free cash annually.
FCF Yield
SAY converts 14.50% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.53
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.67
vs 25 benchmark
P/B Ratio
Price to book value ratio
-0.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.11
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
-2.82
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.08
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.00
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.001
vs 25 benchmark
How SAY Stacks Against Its Sector Peers
| Metric | SAY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.53 | 18.83 | Better (Cheaper) |
| ROE | -0.14% | 822.00% | Weak |
| Net Margin | 31.79% | 2005.00% | Weak |
| Debt/Equity | -2.82 | 1.01 | Strong (Low Leverage) |
| Current Ratio | 0.08 | 673.11 | Weak Liquidity |
| ROA | 0.01% | -23560.00% (disorted) | Weak |
SAY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Saratoga Investment Corp 8.125%'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-19.44%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-66.25%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
973.72%
Industry Style: Value, Dividend, Cyclical
High Growth