Stock Scorecard

Stock Summary for Saratoga Investment Corp (SAR) - $24.59 as of 9/12/2025 4:11:35 PM EST

Total Score

21 out of 30

Safety Score

64 out of 100

Currently on the following lists
None
Tim's Recommendation
Buy

Growth List Algorithm Criteria for SAR

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for SAR

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for SAR

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for SAR

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for SAR (64 out of 100)

Stock Price Rating (Max of 10) 7
Historical Stock Price Rating (Max of 10) 6
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 7
Book Value to Price (Max of 10) 6
Analyst Buy Ratings (Max of 5) 3
Analyst Strong Buy Ratings (Max of 5) 3
Dividend Yield Percentage (Max of 10) 2
Operating Margin (Max of 10) 9
Trading Volume (Max of 10) 3
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for SAR

Company Overview
Ticker SAR
Company Name Saratoga Investment Corp
Country USA
Description N/A
Sector Name FINANCIAL SERVICES
Industry Name ASSET MANAGEMENT
Most Recent Quarter 5/31/2025
Next Earnings Date 10/8/2025

Stock Price History
Last Day Price 24.59
Price 4 Years Ago 18.85
Last Day Price Updated 9/12/2025 4:11:35 PM EST
Last Day Volume 76,774
Average Daily Volume 116,048
52-Week High 25.39
52-Week Low 20.07
Last Price to 52 Week Low 22.52%

Valuation Measures
Trailing PE 10.00
Industry PE 33.88
Sector PE 24.87
5-Year Average PE 17.12
Free Cash Flow Ratio 0.00
Industry Free Cash Flow Ratio 98.16
Sector Free Cash Flow Ratio 42.55
Current Ratio Most Recent Quarter 0.26
Total Cash Per Share 8,247.50
Book Value Per Share Most Recent Quarter 25.52
Price to Book Ratio 0.99
Industry Price to Book Ratio 3.45
Sector Price to Book Ratio 2.33
Price to Sales Ratio Twelve Trailing Months 2.74
Industry Price to Sales Ratio Twelve Trailing Months 8.80
Sector Price to Sales Ratio Twelve Trailing Months 4.15
Analyst Buy Ratings 2
Analyst Strong Buy Ratings 1

Share Statistics
Total Shares Outstanding 15,951,800
Market Capitalization 392,254,762
Institutional Ownership 15.45%

Dividends
Ex-Dividend Date 10/7/2025
Previous Dividend Amount 0.2500
Current Dividend Amount 0.2500
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 5.54
Trailing Annual Dividend Yield 22.60%
Forward Annual Dividend Rate 3.00
Forward Annual Dividend Yield 12.24%
5-Year Dividend Payments Count 29
3-Year Average Dividend Yield 0.00%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio 226.12%

Income Statement
Quarterly Earnings Growth YOY 87.90%
Annual Earnings Growth 214.38%
Reported EPS 12 Trailing Months 2.45
Reported EPS Past Year 0.66
Reported EPS Prior Year 3.38
Net Income Twelve Trailing Months 35,408,082
Net Income Past Year 28,086,257
Net Income Prior Year 8,933,825
Quarterly Revenue Growth YOY -16.40%
5-Year Revenue Growth 8.16%
Operating Margin Twelve Trailing Months 70.10%

Balance Sheet
Total Cash Most Recent Quarter 131,562,513,000
Total Cash Past Year 148,218,491
Total Cash Prior Year 40,507,124
Net Cash Position Most Recent Quarter 130,770,911,420
Net Cash Position Past Year -645,944,359
Long Term Debt Past Year 794,162,850
Long Term Debt Prior Year 820,939,260
Total Debt Most Recent Quarter 791,601,580
Equity to Debt Ratio Past Year 0.33
Equity to Debt Ratio Most Recent Quarter 0.33
Total Stockholder Equity Past Year 392,665,468
Total Stockholder Equity Prior Year 370,224,108
Total Stockholder Equity Most Recent Quarter 396,369,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 162,703,916
Free Cash Flow Per Share Twelve Trailing Months 10.20
Free Cash Flow Past Year 197,538,505
Free Cash Flow Prior Year -157,206,679

Options
Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD -0.01
MACD Signal 0.10
20-Day Bollinger Lower Band 22.76
20-Day Bollinger Middle Band 24.16
20-Day Bollinger Upper Band 25.56
Beta 0.74
RSI 38.67
50-Day SMA 22.94
150-Day SMA 20.39
200-Day SMA 19.61

System
Modified 9/13/2025 9:11:07 AM EST