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Market Price

22.12 

-0.31 -1.4%

as of Oct 23 '18

52 Week Range:

19.62 28.24


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Saratoga Investment Corp. is a business development company specializing in leveraged and management buyouts, acquisition financings, growth financings, recapitalization, debt refinancing, and transitional financing transactions at the lower end of middle market companies. It structures its investments as debt and equity by investing through first and second lien loans, mezzanine debt, co-investments, select high yield bonds, senior secured bonds, unsecured bonds, and preferred and common equity. It seeks to invest in the United States. The firm primarily invests $5 million to $20 million in companies having EBITDA of $2 million or greater and revenues of $8 million to $150 million. It invests through direct lending as well as participation in loan syndicates. The firm was formerly known as GSC Investment Corp. Saratoga Investment Corp. is based in New York, New York with an additional office in Florham Park, New Jersey.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Feb '11 Dec '11 Feb '12 Dec '12 Feb '13 Feb '14 Feb '15 Feb '16 Feb '17 Feb '18
Equity (BVPS) 26.26
10.06
25.12
21.75
21.75
20.67
22.64
22.43
22.03
22.19
growth rate -38.1% 149.7% -13.4% 0.0% -5.0% 9.5% -0.9% -1.8% 0.7%
Earnings BIT 195.09
339.18
304.35
14.96
17.34
19.25
21.05
23.66
growth rate 31.9% -5.3% -77.8% 15.9% 11.0% 9.4% 12.4%
Avg.PE 4.00
8.70
11.40
6.40
5.82
12.52
10.11
growth rate 47.5% 14.5% -17.5% -9.1% 115.1% -19.3%
ROA 17.33
11.84
9.74
4.44
4.56
4.17
3.71
5.21
growth rate -17.3% -9.3% -54.4% 2.7% -8.6% -11.0% 40.4%
ROE 23.96
14.47
14.17
7.82
9.27
9.40
9.02
13.05
growth rate -22.3% -1.0% -44.8% 18.5% 1.4% -4.0% 44.7%
Leverage 1.15
1.29
1.60
1.91
2.15
2.36
2.50
2.51
growth rate 5.9% 11.4% 19.4% 12.6% 9.8% 5.9% 0.4%
Balance Sheet Dec '10 Feb '11 Dec '11 Feb '12 Dec '12 Feb '13 Feb '14 Feb '15 Feb '16 Feb '17 Feb '18
Acct.Receivable 213.90
215.98
217.61
2.72
2.64
3.67
3.72
3.28
growth rate 0.5% 0.4% -88.8% -3.0% 38.8% 1.4% -11.8%
Acct.Payable 0.77
0.81
0.86
0.85
0.92
growth rate 4.0% 6.3% -0.3% 8.4%
Cur.Assets 547.09
760.84
910.30
9.31
22.70
10.70
25.81
17.06
growth rate 17.9% 9.4% -89.9% 143.9% -52.9% 141.2% -33.9%
Total Assets 1,128.20
1,278.26
1,398.96
215.17
263.56
295.05
318.65
360.34
growth rate 6.4% 4.6% -60.8% 22.5% 12.0% 8.0% 13.1%
Cash 45.03
251.29
441.24
3.29
1.89
2.44
9.31
3.93
growth rate 136.2% 32.5% -91.4% -42.7% 29.2% 281.4% -57.8%
Inventory 200.99
217.71
178.23
growth rate 4.1% -9.5%
Cur.Liabilities 389.58
328.19
340.33
7.45
8.84
9.13
9.88
10.16
growth rate -8.2% 1.8% -85.2% 18.7% 3.2% 8.3% 2.8%
Liabilities 834.08
790.84
796.32
101.74
140.96
169.90
191.36
216.65
growth rate -2.6% 0.4% -64.3% 38.6% 20.5% 12.6% 13.2%
LT Debt 202.60
199.50
178.38
94.29
132.12
160.75
181.48
206.49
growth rate -0.8% -5.4% -27.3% 40.1% 21.7% 12.9% 13.8%
Equity 294.13
487.42
602.64
113.43
122.60
125.15
127.29
143.69
growth rate 28.7% 11.2% -56.6% 8.1% 2.1% 1.7% 12.9%
Common Shares 48.41
48.43
3.00
48.46
48.46
5.00
5.00
6.00
6.00
6.00
growth rate 0.0% -93.8% 1,515.3% 0.0% -89.7% 0.0% 20.0% 0.0% 0.0%
Cash Flow Statement Dec '10 Feb '11 Dec '11 Feb '12 Dec '12 Feb '13 Feb '14 Feb '15 Feb '16 Feb '17 Feb '18
Capital Expenditures 26.22
51.77
48.63
growth rate 40.5% -3.1%
Cash Dividends 0.00
0.00
50.87
2.51
1.43
4.51
6.09
9.01
growth rate -77.8% -42.8% 214.2% 35.0% 48.1%
Cash From OA 269.33
374.16
335.30
-29.53
-21.72
-32.22
6.74
-30.78
growth rate 17.9% -5.3% -100.0% 0.0% 0.0% 100.0% -100.0%
FCF per Share 11.60
-6.61
-5.51
-13.86
-6.96
0.94
-2.25
-7.49
growth rate -100.0% 0.0% 0.0% 0.0% 100.0% -100.0% 0.0%
Sale Purchase of Stock 7.84
7.84
7.84
7.84
growth rate 0.0% 0.0% 0.0%
FCF 243.11
28.00
322.39
-23.00
286.67
-37.00
-30.00
-37.00
-19.00
7.00
-31.00
growth rate -88.5% 1,051.4% -100.0% 100.0% -100.0% 0.0% 0.0% 0.0% 100.0% -100.0%
Income Statement Dec '10 Feb '11 Dec '11 Feb '12 Dec '12 Feb '13 Feb '14 Feb '15 Feb '16 Feb '17 Feb '18
Sales 1,640.58
2,057.49
1,916.09
22.89
27.38
30.05
33.16
38.62
growth rate 12.0% -3.5% -89.1% 19.6% 9.8% 10.3% 16.5%
Op.Income 241.01
363.43
316.56
14.96
17.34
19.25
21.05
23.66
growth rate 22.8% -6.7% -78.3% 15.9% 11.0% 9.4% 12.4%
IBT 195.09
339.18
304.35
8.50
11.30
11.76
11.43
17.66
growth rate 31.9% -5.3% -83.3% 33.0% 4.1% -2.8% 54.5%
Net Income 213.40
229.87
181.76
8.50
11.01
11.65
11.39
17.68
growth rate 3.8% -11.1% -78.4% 29.5% 5.8% -2.2% 55.3%
EPS 6.96
4.74
3.87
3.75
3.75
1.73
2.04
2.09
1.98
2.93
growth rate -17.5% -18.4% -3.1% 0.0% -53.9% 17.9% 2.5% -5.3% 48.0%
Gross Profit 501.20
657.70
616.93
22.89
27.38
30.05
33.16
38.62
growth rate 14.6% -3.2% -80.7% 19.6% 9.8% 10.3% 16.5%

Quarterly Statements

Item Name May '17 Aug '17 Nov '17 Feb '18 May '18
Earnings BIT 6.03
5.84
5.77
6.01
6.65
growth rate -3.1% -1.1% 4.2% 10.6%
Balance Sheet May '17 Aug '17 Nov '17 Feb '18 May '18
Acct.Receivable 4.18
4.28
3.65
3.28
4.12
growth rate 2.4% -14.7% -10.2% 25.7%
Acct.Payable 0.77
1.10
1.20
0.92
1.06
growth rate 42.2% 9.2% -23.0% 14.6%
Cur.Assets 31.96
22.69
12.37
17.06
17.85
growth rate -29.0% -45.5% 37.9% 4.7%
Total Assets 361.92
356.13
351.91
360.34
362.02
growth rate -1.6% -1.2% 2.4% 0.5%
Cash 1.25
1.60
0.68
3.93
3.31
growth rate 28.0% -57.4% 477.5% -15.6%
Inventory
growth rate
Cur.Liabilities 6.97
9.61
8.76
10.16
9.49
growth rate 37.9% -8.9% 16.0% -6.6%
Liabilities 234.32
222.67
213.07
216.65
217.17
growth rate -5.0% -4.3% 1.7% 0.2%
LT Debt 227.35
213.06
204.31
206.49
206.74
growth rate -6.3% -4.1% 1.1% 0.1%
Equity 127.61
133.46
138.85
143.69
144.84
growth rate 4.6% 4.0% 3.5% 0.8%
Common Shares 0.01
0.01
0.01
0.01
0.01
growth rate 1.7% 3.3% 1.6% 0.0%
Cash Flow Statement May '17 Aug '17 Nov '17 Feb '18 May '18
Capital Expenditures
growth rate
Cash Dividends 2.04
2.27
2.19
2.51
2.62
growth rate 10.9% -3.5% 14.9% 4.4%
Cash From OA -39.01
6.25
-1.83
3.81
2.64
growth rate 100.0% -100.0% 100.0% -30.7%
Sale Purchase of Stock 1.37
1.27
3.35
1.85
growth rate -7.0% 163.0% -44.6%
FCF
growth rate
Income Statement May '17 Aug '17 Nov '17 Feb '18 May '18
Sales 8.71
10.25
9.53
10.13
10.49
growth rate 17.8% -7.1% 6.3% 3.6%
Op.Income 6.03
5.84
5.77
6.01
6.65
growth rate -3.1% -1.1% 4.2% 10.6%
IBT 1.01
6.86
4.26
5.53
3.84
growth rate 576.0% -37.8% 29.8% -30.6%
Net Income 1.01
6.87
4.26
5.53
3.84
growth rate 577.4% -38.0% 29.8% -30.6%
Gross Profit 8.71
10.25
9.53
10.13
10.49
growth rate 17.8% -7.1% 6.3% 3.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (3.69)

YOY Growth Grade:

F (16.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.39 8.39 9.14
EPS / Growth -0.6% 2.64 14.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 6.51 6.51
Future EPS 2.91 2.91 2.91
Value Price
MOS %
1.44
-93.5%
4.68
-78.8%
4.68
-78.8%
MOS Price 0.72 2.34 2.34
IRT 8.02 8.02 8.02

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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