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SARATOGA INVESTMENT CORP.

SAR

$19.98 ▲ +0.48 (+2.49%) at close

25 Visible periods

19 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

SARATOGA INVESTMENT CORP. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $324.7M

Dividend Yield 3.75%

Revenue Growth —

Op. Margin —

ROIC —

FCF / Share $-1.60

Trailing P/E —

Price / Book 0.9x

FCF Yield —

Debt / Equity 2.16

info Valuation on last close. End-of-day price, Aug 7, 2026.

25-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$-6.90M

↓ -164.2% —

FCF / Share Free cash flow per share

$-1.60

↓ -199.2% —

Long-Term Debt Long-term obligations

$817.38M

↑ +10.5% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Returns ↓

Financial Health ↓

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$22.02 Latest / share

FY 2010

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

$22.02

FY 2025

FY 2026

Financial view

Statement lens

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
EPS Growth YoY (%)	N/M	-157.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-13.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	89.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	49.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	-73.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	712.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	83.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	131.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-30.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-88.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	-286.1% Weak ↓ Weak Declining Year-over-year change in net income	35.8% Excellent ↓ Excellent Declining Year-over-year change in net income	-0.2% Weak Weak Year-over-year change in net income	110.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	68.7% Excellent Excellent Year-over-year change in net income	N/M	-72.4% Weak ↓ Weak Declining Year-over-year change in net income	N/M	732.5% Excellent Excellent Year-over-year change in net income	85.7% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—	—	—	—	—	—
FCF Growth YoY (%)	N/M	—	—	—	-44.8% Weak Weak Year-over-year change in free cash flow	—	—	—	N/M	—	—	88.4% Excellent Excellent Year-over-year change in free cash flow	-41.2% Weak Weak Year-over-year change in free cash flow	—	N/M	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	13.2% Good Good Compound annual EPS growth over 3 years	119.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	-4.3% Weak Weak Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 1 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
FCF / Net Income (x)	3.76x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	35.37x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.72x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.45x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.32x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	29.43x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	7.89x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.89x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	—	-0.90x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	520.09x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.70x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.74x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-63.53x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	53.93x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	—	—	—

🎯 Is capital allocation efficient? 1 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
Return on Common Equity (%) (%)	-1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	-0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	-0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15%	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	-1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15%	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15%	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15%	0.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15%	-0.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15%	—	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
Debt to Equity (x)	2.16x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x	1.87x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.87x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x	1.92x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x	2.00x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x	—	2.24x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x	—	2.40x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x	—	—	—	—	—	—	—	—	—	—	—	—
Net Debt (USD)	$771.23M	$737.69M	$722.08M	$680.71M	$659.81M	$-148.22M	$690.26M	$-84.57M	$-32.23M	$-8.69M	$-20.58M	—	$786.39M	$-65.75M	—	—	—	$-47.26M	—	$-60.27M	—	—	—	—	—

📊 What does each share earn? 7 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
Basic EPS, GAAP (USD)	$-0.42	$-0.18	$0.74	$0.84	$0.91	$-0.07	$0.64	$0.97	$0.48	$0.42	$-0.31	$0.65	$-0.02	$1.60	$0.51	$0.08	$-0.12	$0.69	$0.73	$0.71	—	—	—	—	—
Free Cash Flow per Share (USD)	$-1.60	—	$-0.53	$-1.22	$2.10	—	—	—	$3.81	—	—	$-0.58	$-9.35	—	$-1.89	$-5.04	$-6.62	—	$1.34	—	—	—	—	—	—
Dividend per Share (USD)	$0.75	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$23.23	$24.42	$25.59	$25.61	$25.52	$25.86	$26.95	$27.07	$26.85	$27.12	$27.42	$28.44	$28.48	$29.18	$28.23	$28.19	$28.50	$29.33	$29.92	$29.00	—	$27.25	—	—	—
Tangible Book Value per Share (USD)	$23.23	$24.42	$25.59	$25.61	$25.52	$25.86	$26.95	$27.07	$26.85	$27.12	$27.42	$28.44	$28.48	$29.18	$28.23	$28.19	$28.50	$29.33	$29.92	$29.00	—	$27.25	—	—	—
Basic Weighted Avg Shares (shares)	16.25M	—	16.11M	15.78M	15.34M	—	13.79M	13.73M	13.68M	—	13.05M	12.16M	11.86M	—	11.89M	11.96M	12.11M	—	11.45M	11.18M	—	—	—	—	—
Dividend Payout Ratio (%)	-178.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
LT Debt (USD)	$817.38M	$739.38M	$774.38M	$786.38M	$791.38M	—	$837.88M	—	—	—	$811.38K	—	$808.38M	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$378.45M	$396.16M	$413.21M	$410.50M	$396.37M	$392.67M	$374.87M	$372.05M	$367.86M	$370.22M	$359.56M	$362.08M	$337.45M	$346.96M	$335.76M	$337.21M	$345.24M	$355.78M	$342.60M	$324.11M	$304.19M	$304.19M	—	—	—

📋 What is driving earnings? 2 metrics

Metric	Q1 FY2027 May 31, 2026 10-Q ↗	Q4 FY2026 Feb 28, 2026 10-K ↗	Q3 FY2026 Nov 30, 2025 10-Q ↗	Q2 FY2026 Aug 31, 2025 10-Q ↗	Q1 FY2026 May 31, 2025 10-Q ↗	Q4 FY2025 Feb 28, 2025 10-K ↗	Q3 FY2025 Nov 30, 2024 10-Q ↗	Q2 FY2025 Aug 31, 2024 10-Q ↗	Q1 FY2025 May 31, 2024 10-Q ↗	Q4 FY2024 Feb 29, 2024 10-K ↗	Q3 FY2024 Nov 30, 2023 10-Q ↗	Q2 FY2024 Aug 31, 2023 10-Q ↗	Q1 FY2024 May 31, 2023 10-Q ↗	Q4 FY2023 Feb 28, 2023 10-K ↗	Q3 FY2023 Nov 30, 2022 10-Q ↗	Q2 FY2023 Aug 31, 2022 10-Q ↗	Q1 FY2023 May 31, 2022 10-Q ↗	Q4 FY2022 Feb 28, 2022 10-K ↗	Q3 FY2022 Nov 30, 2021 10-Q ↗	Q2 FY2022 Aug 31, 2021 10-Q ↗	Q1 FY2022 Feb 28, 2021 10-Q ↗	Q4 FY2021 Feb 28, 2021 10-K ↗	Q4 FY2020 Feb 29, 2020 10-K ↗	Q2 FY2011 Aug 12, 2010 10-Q ↗	Q4 FY2010 Aug 12, 2010 10-K ↗
Net Income, GAAP (USD)	$-6.90M	$-2.61M	$12.00M	$13.29M	$13.93M	$-676.76K	$8.83M	$13.32M	$6.61M	$5.31M	$-4.06M	$7.90M	$-213.26K	$19.20M	$6.01M	$948.43K	$-1.49M	—	—	—	—	—	—	—	—
Operating Cash Flow (USD)	$-25.97M	$-92.42M	$-8.60M	$-19.30M	$32.29M	$-19.92M	—	—	$52.15M	$-20.66M	—	$-7.08M	$-110.91M	$32.56M	$-22.46M	$-60.26M	$-80.21M	$-146.20M	$15.29M	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 25 quarters

SARATOGA INVESTMENT CORP.

Analytical Summary

25-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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