📊 SAV Key Takeaways
Is Saratoga Investment Corp.. (SAV) a Good Investment?
Saratoga Investment Corp. demonstrates exceptional earnings growth (214% YoY) driven by favorable investment conditions, but carries substantial financial risk with 1.87x debt-to-equity leverage and only $4.4M in annual free cash flow inadequate to service $774.4M in long-term debt. Profitability sustainability depends heavily on continued market conditions and the company's ability to refinance or reduce leverage.
Why Buy Saratoga Investment Corp.. Stock? SAV Key Strengths
- Exceptional net income growth of 214% YoY with diluted EPS up 184.5%
- Large asset base of $1.2B providing scale for investment operations
- Positive operating and free cash flow generation of $4.4M
SAV Stock Risks: Saratoga Investment Corp.. Investment Risks
- High debt-to-equity ratio of 1.87x creates significant financial leverage and refinancing risk in downturns
- Severely inadequate free cash flow ($4.4M annually) relative to $774.4M long-term debt obligations
- Low return metrics (ROA 3.3%, ROE 9.5%) indicate leverage is compensating for modest operational efficiency and earnings growth may not be sustainable if market conditions deteriorate
Key Metrics to Watch
- Debt-to-equity ratio trend and debt refinancing schedule in coming 24 months
- Free cash flow generation and operating cash flow stability through market cycles
- Return on equity and return on assets progression to validate earnings quality
Saratoga Investment Corp.. (SAV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SAV Profit Margin, ROE & Profitability Analysis
SAV vs Market Sector: How Saratoga Investment Corp.. Compares
How Saratoga Investment Corp.. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Saratoga Investment Corp.. Stock Overvalued? SAV Valuation Analysis 2026
Based on fundamental analysis, Saratoga Investment Corp.. shows some fundamental concerns relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Saratoga Investment Corp.. Balance Sheet: SAV Debt, Cash & Liquidity
SAV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Saratoga Investment Corp..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.06 reflects profitable operations.
SAV Revenue Growth, EPS Growth & YoY Performance
Saratoga Investment Corp.. Dividends, Buybacks & Capital Allocation
SAV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Saratoga Investment Corp.. (CIK: 0001377936)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SAV
What is the AI rating for SAV?
Saratoga Investment Corp.. (SAV) has an AI rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SAV's key strengths?
Claude: Exceptional net income growth of 214% YoY with diluted EPS up 184.5%. Large asset base of $1.2B providing scale for investment operations.
What are the risks of investing in SAV?
Claude: High debt-to-equity ratio of 1.87x creates significant financial leverage and refinancing risk in downturns. Severely inadequate free cash flow ($4.4M annually) relative to $774.4M long-term debt obligations.
What is SAV's revenue and growth?
Saratoga Investment Corp.. reported revenue of N/A.
Does SAV pay dividends?
Saratoga Investment Corp.. pays dividends, with $38.0M distributed to shareholders in the trailing twelve months.
Where can I find SAV SEC filings?
Official SEC filings for Saratoga Investment Corp.. (CIK: 0001377936) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SAV's EPS?
Saratoga Investment Corp.. has a diluted EPS of $2.49.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SAV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Saratoga Investment Corp.. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SAV stock overvalued or undervalued?
Valuation metrics for SAV: ROE of 9.5% (sector avg: 15%), net margin of N/A (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy SAV stock in 2026?
Our dual AI analysis gives Saratoga Investment Corp.. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SAV's free cash flow?
Saratoga Investment Corp..'s operating cash flow is $4.4M, with capital expenditures of N/A.
How does SAV compare to other Market stocks?
Vs Default sector averages: Net margin N/A (avg: 12%), ROE 9.5% (avg: 15%), current ratio N/A (avg: 1.8).
Is Saratoga Investment Corp.. carrying too much debt?
SAV has a debt-to-equity ratio of 1.87x, which is above the Market sector average of 0.7x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.