SAT
Saratoga Investment Corp 6.00%
Asset Management
Market Cap$349M
5Y Perf.+1.5%
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Stock Comparison
SAT vs SAR
Revenue, margins, valuation, and 5-year total return — side by side.
SAR
Saratoga Investment Corp.
Asset Management
Market Cap$365M
5Y Perf.-15.3%
SAT vs SAR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SAT | SAR |
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $349M | $365M |
| Revenue (TTM) | $94M | $125.71B |
| Net Income (TTM) | $39M | $39M |
| Gross Margin | 44.7% | — |
| Operating Margin | 33.9% | -0.1% |
| Forward P/E | 10.1x | 9.1x |
| Total Debt | $782M | $293.33B |
| Cash & Equiv. | $148M | $22.32B |
SAT vs SAR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SAT
SAR
| Stock | May 22 | May 26 | Return |
|---|---|---|---|
| Saratoga Investment… (SAT) | 100 | 101.5 | +1.5% |
| Saratoga Investment… (SAR) | 100 | 84.7 | -15.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SAT vs SAR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SAT leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Saratoga Investment Corp. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
SAT
Saratoga Investment Corp 6.00%
The Banking Pick
SAT carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 0.56, current ratio 27.93x
- Beta 0.56, yield 11.7%, current ratio 27.93x
- Efficiency ratio 0.1% vs SAR's 0.7% (lower = leaner)
Best for: sleep-well-at-night and defensive
SAR
Saratoga Investment Corp.
The Banking Pick
SAR is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 5 yrs, beta 0.60, yield 100.0%
- Rev growth 1.3K%, EPS growth 14.4%
- 188.0% 10Y total return vs SAT's 25.3%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SAR | 1.3K% NII/revenue growth vs SAT's 35.4% |
| Value | SAR | Lower P/E (9.1x vs 10.1x) |
| Quality / Margins | SAT | Efficiency ratio 0.1% vs SAR's 0.7% (lower = leaner) |
| Stability / Safety | SAT | Beta 0.56 vs SAR's 0.60 |
| Dividends | SAR | 100.0% yield, 5-year raise streak, vs SAT's 11.7% |
| Momentum (1Y) | SAT | +8.1% vs SAR's +4.6% |
| Efficiency (ROA) | SAT | Efficiency ratio 0.1% vs SAR's 0.7% |
SAT vs SAR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSATLAGGINGSAR
SARSaratoga Investment C…
3leads
SATSaratoga Investment C…
3leads
6 Total Categories
CATEGORYLEADERvs SARMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SAT2/3
Valuation MetricsMultiples, price ratios, and targets
SAR3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SAT7/7
Total Returns1Y, 3Y, 5Y total returns with dividends
SAR4/6
Risk & VolatilityBeta, volatility, and downside exposure
SAT2/2
Analyst OutlookRatings, price targets, and dividends
SAR2/2
Income & Cash Flow (Last 12 Months)
SAT leads this category, winning 2 of 3 comparable metrics.
Income & Cash Flow (Last 12 Months)
SAR is the larger business by revenue, generating $125.7B annually — 1335.1x SAT's $94M.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| RevenueTrailing 12 months | $94M | $125.7B |
| EBITDAEarnings before interest/tax | $1.3B | $1.1B |
| Net IncomeAfter-tax profit | $39M | $39M |
| Free Cash FlowCash after capex | $23M | -$124.6B |
| Gross MarginGross profit ÷ Revenue | +44.7% | — |
| Operating MarginEBIT ÷ Revenue | +33.9% | -0.1% |
| Net MarginNet income ÷ Revenue | +29.8% | — |
| FCF MarginFCF ÷ Revenue | +2.1% | -70.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +15.6% | +13.1% |
SAT leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
SAR leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
At 9.7x trailing earnings, SAR trades at a 22% valuation discount to SAT's 12.4x P/E.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| Market CapShares × price | $349M | $365M |
| Enterprise ValueMkt cap + debt − cash | $983M | $271.4B |
| Trailing P/EPrice ÷ TTM EPS | 12.43x | 9.74x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.12x | 9.07x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.82x |
| EV / EBITDAEnterprise value multiple | 30.75x | — |
| Price / SalesMarket cap ÷ Revenue | 3.71x | 0.00x |
| Price / BookPrice ÷ Book value/share | 0.89x | — |
| Price / FCFMarket cap ÷ FCF | 1.77x | — |
SAR leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
SAT leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), SAT scores 8/9 vs SAR's 1/9, reflecting strong financial health.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| ROE (TTM)Return on equity | +9.3% | — |
| ROA (TTM)Return on assets | +3.2% | +0.0% |
| ROICReturn on invested capital | +2.0% | -0.1% |
| ROCEReturn on capital employed | +2.7% | -0.3% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 1 |
| Debt / EquityFinancial leverage | 1.99x | — |
| Net DebtTotal debt minus cash | $634M | $271.0B |
| Cash & Equiv.Liquid assets | $148M | $22.3B |
| Total DebtShort + long-term debt | $782M | $293.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.83x | -0.01x |
SAT leads this category, winning 7 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
SAR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SAR five years ago would be worth $14,223 today (with dividends reinvested), compared to $12,526 for SAT. Over the past 12 months, SAT leads with a +8.1% total return vs SAR's +4.6%. The 3-year compound annual growth rate (CAGR) favors SAR at 8.8% vs SAT's 8.7% — a key indicator of consistent wealth creation.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| YTD ReturnYear-to-date | +2.6% | +2.5% |
| 1-Year ReturnPast 12 months | +8.1% | +4.6% |
| 3-Year ReturnCumulative with dividends | +28.5% | +28.7% |
| 5-Year ReturnCumulative with dividends | +25.3% | +42.2% |
| 10-Year ReturnCumulative with dividends | +25.3% | +188.0% |
| CAGR (3Y)Annualised 3-year return | +8.7% | +8.8% |
SAR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
SAT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SAT is the less volatile stock with a 0.56 beta — it tends to amplify market swings less than SAR's 0.60 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SAT currently trades 99.4% from its 52-week high vs SAR's 87.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.56x | 0.60x |
| 52-Week HighHighest price in past year | $25.27 | $25.64 |
| 52-Week LowLowest price in past year | $6.95 | $20.78 |
| % of 52W HighCurrent price vs 52-week peak | +99.4% | +87.8% |
| RSI (14)Momentum oscillator 0–100 | 76.7 | 54.8 |
| Avg Volume (50D)Average daily shares traded | 10K | 123K |
SAT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
SAR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, SAR offers the higher dividend yield at 100.00% vs SAT's 11.66%.
| Metric | SATSaratoga Investme… | SARSaratoga Investme… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 11 |
| Dividend YieldAnnual dividend ÷ price | +11.7% | +100.0% |
| Dividend StreakConsecutive years of raises | 4 | 5 |
| Dividend / ShareAnnual DPS | $2.93 | $3303.17 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +14.9% |
SAR leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
SAT leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SAR leads in 3 (Valuation Metrics, Total Returns).
Best OverallSaratoga Investment Corp 6.… (SAT)Leads 3 of 6 categories
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SAT vs SAR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SAT or SAR a better buy right now?
For growth investors, Saratoga Investment Corp.
(SAR) is the stronger pick with 1334% revenue growth year-over-year, versus 35. 4% for Saratoga Investment Corp 6. 00% (SAT). Saratoga Investment Corp. (SAR) offers the better valuation at 9. 7x trailing P/E (9. 1x forward), making it the more compelling value choice. Analysts rate Saratoga Investment Corp. (SAR) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SAT or SAR?
On trailing P/E, Saratoga Investment Corp.
(SAR) is the cheapest at 9. 7x versus Saratoga Investment Corp 6. 00% at 12. 4x. On forward P/E, Saratoga Investment Corp. is actually cheaper at 9. 1x.
03Which is the better long-term investment — SAT or SAR?
Over the past 5 years, Saratoga Investment Corp.
(SAR) delivered a total return of +42. 2%, compared to +25. 3% for Saratoga Investment Corp 6. 00% (SAT). Over 10 years, the gap is even starker: SAR returned +188. 0% versus SAT's +25. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SAT or SAR?
By beta (market sensitivity over 5 years), Saratoga Investment Corp 6.
00% (SAT) is the lower-risk stock at 0. 56β versus Saratoga Investment Corp. 's 0. 60β — meaning SAR is approximately 6% more volatile than SAT relative to the S&P 500.
05Which is growing faster — SAT or SAR?
By revenue growth (latest reported year), Saratoga Investment Corp.
(SAR) is pulling ahead at 1334% versus 35. 4% for Saratoga Investment Corp 6. 00% (SAT). On earnings-per-share growth, the picture is similar: Saratoga Investment Corp 6. 00% grew EPS 184. 5% year-over-year, compared to 14. 4% for Saratoga Investment Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SAT or SAR?
Saratoga Investment Corp 6.
00% (SAT) is the more profitable company, earning 29. 8% net margin versus 0. 0% for Saratoga Investment Corp. — meaning it keeps 29. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SAT leads at 33. 9% versus -0. 1% for SAR. At the gross margin level — before operating expenses — SAT leads at 44. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SAT or SAR more undervalued right now?
On forward earnings alone, Saratoga Investment Corp.
(SAR) trades at 9. 1x forward P/E versus 10. 1x for Saratoga Investment Corp 6. 00% — 1. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — SAT or SAR?
All stocks in this comparison pay dividends.
Saratoga Investment Corp. (SAR) offers the highest yield at 100. 0%, versus 11. 7% for Saratoga Investment Corp 6. 00% (SAT).
09Is SAT or SAR better for a retirement portfolio?
For long-horizon retirement investors, Saratoga Investment Corp.
(SAR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 60), 100. 0% yield, +188. 0% 10Y return). Both have compounded well over 10 years (SAR: +188. 0%, SAT: +25. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SAT and SAR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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- Sector: Financial Services
- Market Cap > $100B
- Revenue Growth > 66702%
- Dividend Yield > 40.0%
Revenue Growth>
%
(SAT: 35.4% · SAR: 133405.6%)P/E Ratio<
x
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