SAY
Saratoga Investment Corp 8.125%
Investment - Banking & Investment Services
Market Cap$416M
5Y Perf.+2.4%
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Stock Comparison
SAY vs TPVG
Revenue, margins, valuation, and 5-year total return — side by side.
TPVG
TriplePoint Venture Growth BDC Corp.
Asset Management
Market Cap$243M
5Y Perf.-42.6%
SAY vs TPVG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SAY | TPVG |
|---|---|---|
| Industry | Investment - Banking & Investment Services | Asset Management |
| Market Cap | $416M | $243M |
| Revenue (TTM) | $125.71B | $97M |
| Net Income (TTM) | $39M | $-12M |
| Gross Margin | — | 83.5% |
| Operating Margin | -0.1% | 77.9% |
| Forward P/E | 10.3x | 6.5x |
| Total Debt | $293.33B | $469M |
| Cash & Equiv. | $22.32B | $20M |
SAY vs TPVG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SAY
TPVG
| Stock | Dec 22 | May 26 | Return |
|---|---|---|---|
| Saratoga Investment… (SAY) | 100 | 102.4 | +2.4% |
| TriplePoint Venture… (TPVG) | 100 | 57.4 | -42.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SAY vs TPVG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SAY leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. TriplePoint Venture Growth BDC Corp. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
SAY
Saratoga Investment Corp 8.125%
The Banking Pick
SAY carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 5 yrs, beta 0.54, yield 100.0%
- Rev growth 1.3K%, EPS growth 14.4%
- Lower volatility, beta 0.54, current ratio 0.08x
Best for: income & stability and growth exposure
TPVG
TriplePoint Venture Growth BDC Corp.
The Banking Pick
TPVG is the clearest fit if your priority is long-term compounding.
- 93.3% 10Y total return vs SAY's 29.6%
- Efficiency ratio 0.1% vs SAY's 0.7% (lower = leaner)
- +19.3% vs SAY's +8.3%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SAY | 1.3K% NII/revenue growth vs TPVG's 36.6% |
| Value | SAY | PEG 0.87 vs 6.41 |
| Quality / Margins | TPVG | Efficiency ratio 0.1% vs SAY's 0.7% (lower = leaner) |
| Stability / Safety | SAY | Beta 0.54 vs TPVG's 0.83 |
| Dividends | SAY | 100.0% yield, 5-year raise streak, vs TPVG's 17.1% |
| Momentum (1Y) | TPVG | +19.3% vs SAY's +8.3% |
| Efficiency (ROA) | TPVG | Efficiency ratio 0.1% vs SAY's 0.7% |
SAY vs TPVG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSAYLAGGINGTPVG
TPVGTriplePoint Venture G…
2leads
SAYSaratoga Investment C…
3leads
6 Total Categories
CATEGORYLEADERvs TPVGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TPVG2/3
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TPVG5/7
Total Returns1Y, 3Y, 5Y total returns with dividends
SAY4/6
Risk & VolatilityBeta, volatility, and downside exposure
SAY2/2
Analyst OutlookRatings, price targets, and dividends
SAY2/2
Income & Cash Flow (Last 12 Months)
TPVG leads this category, winning 2 of 3 comparable metrics.
Income & Cash Flow (Last 12 Months)
SAY is the larger business by revenue, generating $125.7B annually — 1293.2x TPVG's $97M.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| RevenueTrailing 12 months | $125.7B | $97M |
| EBITDAEarnings before interest/tax | $1.1B | -$22M |
| Net IncomeAfter-tax profit | $39M | -$12M |
| Free Cash FlowCash after capex | -$124.6B | $35M |
| Gross MarginGross profit ÷ Revenue | — | +83.5% |
| Operating MarginEBIT ÷ Revenue | -0.1% | +77.9% |
| Net MarginNet income ÷ Revenue | — | +50.6% |
| FCF MarginFCF ÷ Revenue | -70.0% | -58.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +13.1% | -2.3% |
TPVG leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
Evenly matched — SAY and TPVG each lead in 2 of 4 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, TPVG trades at a 56% valuation discount to SAY's 11.1x P/E. Adjusting for growth (PEG ratio), SAY offers better value at 0.93x vs TPVG's 4.84x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| Market CapShares × price | $416M | $243M |
| Enterprise ValueMkt cap + debt − cash | $271.4B | $691M |
| Trailing P/EPrice ÷ TTM EPS | 11.06x | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.30x | 6.50x |
| PEG RatioP/E ÷ EPS growth rate | 0.93x | 4.84x |
| EV / EBITDAEnterprise value multiple | — | 9.13x |
| Price / SalesMarket cap ÷ Revenue | 0.00x | 2.50x |
| Price / BookPrice ÷ Book value/share | — | 0.68x |
| Price / FCFMarket cap ÷ FCF | — | — |
Evenly matched — SAY and TPVG each lead in 2 of 4 comparable metrics.
Profitability & Efficiency
TPVG leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), TPVG scores 5/9 vs SAY's 1/9, reflecting solid financial health.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| ROE (TTM)Return on equity | — | -3.4% |
| ROA (TTM)Return on assets | +0.0% | -1.5% |
| ROICReturn on invested capital | -0.1% | +7.2% |
| ROCEReturn on capital employed | -0.3% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | — | 1.33x |
| Net DebtTotal debt minus cash | $271.0B | $449M |
| Cash & Equiv.Liquid assets | $22.3B | $20M |
| Total DebtShort + long-term debt | $293.3B | $469M |
| Interest CoverageEBIT ÷ Interest expense | -0.01x | -1.02x |
TPVG leads this category, winning 5 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
SAY leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SAY five years ago would be worth $12,963 today (with dividends reinvested), compared to $8,649 for TPVG. Over the past 12 months, TPVG leads with a +19.3% total return vs SAY's +8.3%. The 3-year compound annual growth rate (CAGR) favors SAY at 8.2% vs TPVG's -1.2% — a key indicator of consistent wealth creation.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| YTD ReturnYear-to-date | +2.8% | -6.3% |
| 1-Year ReturnPast 12 months | +8.3% | +19.3% |
| 3-Year ReturnCumulative with dividends | +26.7% | -3.4% |
| 5-Year ReturnCumulative with dividends | +29.6% | -13.5% |
| 10-Year ReturnCumulative with dividends | +29.6% | +93.3% |
| CAGR (3Y)Annualised 3-year return | +8.2% | -1.2% |
SAY leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
SAY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SAY is the less volatile stock with a 0.54 beta — it tends to amplify market swings less than TPVG's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SAY currently trades 98.3% from its 52-week high vs TPVG's 79.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.54x | 0.83x |
| 52-Week HighHighest price in past year | $25.98 | $7.53 |
| 52-Week LowLowest price in past year | $7.79 | $4.48 |
| % of 52W HighCurrent price vs 52-week peak | +98.3% | +79.5% |
| RSI (14)Momentum oscillator 0–100 | 69.7 | 58.3 |
| Avg Volume (50D)Average daily shares traded | 5K | 504K |
SAY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
SAY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, SAY offers the higher dividend yield at 100.00% vs TPVG's 17.11%.
| Metric | SAYSaratoga Investme… | TPVGTriplePoint Ventu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $8.95 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | +100.0% | +17.1% |
| Dividend StreakConsecutive years of raises | 5 | 0 |
| Dividend / ShareAnnual DPS | $3303.17 | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | +13.1% | 0.0% |
SAY leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
SAY leads in 3 of 6 categories (Total Returns, Risk & Volatility). TPVG leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallSaratoga Investment Corp 8.… (SAY)Leads 3 of 6 categories
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SAY vs TPVG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SAY or TPVG a better buy right now?
For growth investors, Saratoga Investment Corp 8.
125% (SAY) is the stronger pick with 1334% revenue growth year-over-year, versus 36. 6% for TriplePoint Venture Growth BDC Corp. (TPVG). TriplePoint Venture Growth BDC Corp. (TPVG) offers the better valuation at 4. 9x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate TriplePoint Venture Growth BDC Corp. (TPVG) a "Hold" — based on 12 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 — SAY or TPVG?
On trailing P/E, TriplePoint Venture Growth BDC Corp.
(TPVG) is the cheapest at 4. 9x versus Saratoga Investment Corp 8. 125% at 11. 1x. On forward P/E, TriplePoint Venture Growth BDC Corp. is actually cheaper at 6. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Saratoga Investment Corp 8. 125% wins at 0. 87x versus TriplePoint Venture Growth BDC Corp. 's 6. 41x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SAY or TPVG?
Over the past 5 years, Saratoga Investment Corp 8.
125% (SAY) delivered a total return of +29. 6%, compared to -13. 5% for TriplePoint Venture Growth BDC Corp. (TPVG). Over 10 years, the gap is even starker: TPVG returned +93. 3% versus SAY's +29. 6%. 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 — SAY or TPVG?
By beta (market sensitivity over 5 years), Saratoga Investment Corp 8.
125% (SAY) is the lower-risk stock at 0. 54β versus TriplePoint Venture Growth BDC Corp. 's 0. 83β — meaning TPVG is approximately 53% more volatile than SAY relative to the S&P 500.
05Which is growing faster — SAY or TPVG?
By revenue growth (latest reported year), Saratoga Investment Corp 8.
125% (SAY) is pulling ahead at 1334% versus 36. 6% for TriplePoint Venture Growth BDC Corp. (TPVG). On earnings-per-share growth, the picture is similar: TriplePoint Venture Growth BDC Corp. grew EPS 48. 8% year-over-year, compared to 14. 4% for Saratoga Investment Corp 8. 125%. 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 — SAY or TPVG?
TriplePoint Venture Growth BDC Corp.
(TPVG) is the more profitable company, earning 50. 6% net margin versus 0. 0% for Saratoga Investment Corp 8. 125% — meaning it keeps 50. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TPVG leads at 77. 9% versus -0. 1% for SAY. At the gross margin level — before operating expenses — TPVG leads at 83. 5%, 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 SAY or TPVG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Saratoga Investment Corp 8. 125% (SAY) is the more undervalued stock at a PEG of 0. 87x versus TriplePoint Venture Growth BDC Corp. 's 6. 41x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, TriplePoint Venture Growth BDC Corp. (TPVG) trades at 6. 5x forward P/E versus 10. 3x for Saratoga Investment Corp 8. 125% — 3. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — SAY or TPVG?
All stocks in this comparison pay dividends.
Saratoga Investment Corp 8. 125% (SAY) offers the highest yield at 100. 0%, versus 17. 1% for TriplePoint Venture Growth BDC Corp. (TPVG).
09Is SAY or TPVG better for a retirement portfolio?
For long-horizon retirement investors, Saratoga Investment Corp 8.
125% (SAY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 54), 100. 0% yield). Both have compounded well over 10 years (SAY: +29. 6%, TPVG: +93. 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 SAY and TPVG?
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.
Find Stocks Like These
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- Sector: Financial Services
- Market Cap > $100B
- Revenue Growth > 66702%
- Dividend Yield > 40.0%
Revenue Growth>
%
(SAY: 133405.6% · TPVG: 36.6%)P/E Ratio<
x
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