Comprehensive Stock Comparison
Compare Sachem Capital Corp. 6.00% Note (SCCE) vs Sachem Capital Corp. 7.125% Not (SCCF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | SCCF | 91.9% revenue growth vs SCCE's -107.0% |
| Value | SCCE | Better valuation composite |
| Quality / Margins | SCCE | -292.1% net margin vs SCCF's -328.5% |
| Stability / Safety | SCCE | Beta 0.01 vs SCCF's 0.04 |
| Dividends | SCCF | 1.5% yield, vs SCCE's 1.5% |
| Momentum (1Y) | SCCE | +33.4% vs SCCF's +27.7% |
| Efficiency (ROA) | SCCF | -6.7% ROA vs SCCE's -6.9%, ROIC -2.5% vs -13.0% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Sachem Capital Corp. is a real estate finance company that originates short-term, secured loans to real estate investors for property acquisition and development. It makes money primarily through interest income from its loan portfolio — earning interest on loans secured by first mortgage liens on residential and commercial properties. The company's competitive advantage lies in its specialized focus on short-term real estate lending and its ability to provide quick financing solutions to investors who may not qualify for traditional bank loans.
Sachem Capital is a mortgage real estate investment trust that provides short-term, first mortgage loans to real estate investors for property acquisition and development. It generates revenue primarily from interest income on its loan portfolio — roughly 90% of total revenue — with additional income from loan origination fees and servicing. The company's competitive advantage lies in its specialized focus on the underserved short-term lending market for residential and commercial property investors, where it has developed deep underwriting expertise.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SCCE leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). SCCF leads in 2 (Profitability & Efficiency, Analyst Outlook). 1 tied.
Financial Metrics (TTM)
SCCE and SCCF operate at a comparable scale, with $11M and $10M in trailing revenue. Profitability is closely matched — net margins range from -2.9% (SCCE) to -3.3% (SCCF).
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| RevenueTrailing 12 months | $11M | $10M |
| EBITDAEarnings before interest/tax | -$12M | -$19M |
| Net IncomeAfter-tax profit | -$33M | -$32M |
| Free Cash FlowCash after capex | $5M | $4M |
| Gross MarginGross profit ÷ Revenue | -4.8% | +3.1% |
| Operating MarginEBIT ÷ Revenue | -108.1% | -194.3% |
| Net MarginNet income ÷ Revenue | -2.9% | -3.3% |
| FCF MarginFCF ÷ Revenue | +42.5% | +35.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +82.6% | +82.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +98.1% | +98.1% |
Valuation Metrics
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| Market CapShares × price | $1.1B | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $206.0B | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | -25.37x | -25.27x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 391.67x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | — | 19.49x |
| Price / BookPrice ÷ Book value/share | 6.16x | 6.13x |
| Price / FCFMarket cap ÷ FCF | 86.47x | 87.47x |
Profitability & Efficiency
SCCF delivers a -18.4% return on equity — every $100 of shareholder capital generates $-18 in annual profit, vs $-19 for SCCE. SCCF carries lower financial leverage with a 1.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to SCCE's 1127.83x. On the Piotroski fundamental quality scale (0–9), SCCF scores 3/9 vs SCCE's 2/9, reflecting mixed financial health.
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| ROE (TTM)Return on equity | -19.1% | -18.4% |
| ROA (TTM)Return on assets | -6.9% | -6.7% |
| ROICReturn on invested capital | -13.0% | -2.5% |
| ROCEReturn on capital employed | -31.8% | -3.2% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 3 |
| Debt / EquityFinancial leverage | 1127.83x | 1.66x |
| Net DebtTotal debt minus cash | $187M | $283M |
| Cash & Equiv.Liquid assets | $18M | $18M |
| Total DebtShort + long-term debt | $204.9B | $301M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (with DRIP)
A $10,000 investment in SCCE five years ago would be worth $12,597 today (with dividends reinvested), compared to $12,161 for SCCF. Over the past 12 months, SCCE leads with a +33.4% total return vs SCCF's +27.7%. The 3-year compound annual growth rate (CAGR) favors SCCE at 12.7% vs SCCF's 9.4% — a key indicator of consistent wealth creation.
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| YTD ReturnYear-to-date | +1.7% | +0.8% |
| 1-Year ReturnPast 12 months | +33.4% | +27.7% |
| 3-Year ReturnCumulative with dividends | +43.0% | +31.1% |
| 5-Year ReturnCumulative with dividends | +26.0% | +21.6% |
| 10-Year ReturnCumulative with dividends | +26.0% | +21.6% |
| CAGR (3Y)Annualised 3-year return | +12.7% | +9.4% |
Risk & Volatility
SCCE is the less volatile stock with a 0.01 beta — it tends to amplify market swings less than SCCF's 0.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.01x | 0.04x |
| 52-Week HighHighest price in past year | $23.95 | $23.69 |
| 52-Week LowLowest price in past year | $18.39 | $17.94 |
| % of 52W HighCurrent price vs 52-week peak | +98.5% | +99.2% |
| RSI (14)Momentum oscillator 0–100 | 53.9 | 60.4 |
| Avg Volume (50D)Average daily shares traded | 3K | 2K |
Analyst Outlook
For income investors, SCCF offers the higher dividend yield at 1.48% vs SCCE's 1.48%.
| Metric | SCCESachem Capital Co… | SCCFSachem Capital Co… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +1.5% | +1.5% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.35 | $0.35 |
| Buyback YieldShare repurchases ÷ mkt cap | +100.0% | +0.1% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Jun 22 | Feb 26 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCE) | 100 | 99.15 | -0.8% |
| Sachem Capital Corp… (SCCF) | 100 | 94.77 | -5.2% |
Sachem Capital Corp… (SCCE) returned +26% over 5 years vs Sachem Capital Corp… (SCCF)'s +22%. A $10,000 investment in SCCE 5 years ago would be worth $12,597 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCE) | $10.2B | $-2.1B | -120.7% |
| Sachem Capital Corp… (SCCF) | $3M | $58M | +1963.4% |
Sachem Capital Corp. 7.125% Not's revenue grew from $3M (2015) to $58M (2024) — a 40.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCE) | 60.9% | 18.8% | -69.1% |
| Sachem Capital Corp… (SCCF) | 82.8% | -68.8% | -183.1% |
Sachem Capital Corp. 7.125% Not's net margin went from 83% (2015) to -69% (2024).
Chart 4EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sachem Capital Corp… (SCCE) | 0.32 | -0.93 | -390.6% |
| Sachem Capital Corp… (SCCF) | 0.2 | -0.93 | -564.5% |
Sachem Capital Corp. 7.125% Not's EPS grew from $0.20 (2015) to $-0.93 (2024) — a NaN% CAGR.
Chart 5Free Cash Flow — 5 Years
Sachem Capital Corp. 6.00% Note generated $13M FCF in 2024 (-100% vs 2021). Sachem Capital Corp. 7.125% Not generated $13M FCF in 2024 (-46% vs 2021).
SCCE vs SCCF: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — SCCE or SCCF?
Over the past 5 years, Sachem Capital Corp. 6.00% Note (SCCE) delivered a total return of +26.0%, compared to +21.6% for Sachem Capital Corp. 7.125% Not (SCCF). A $10,000 investment in SCCE five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SCCE returned +26.0% versus SCCF's +21.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
02Which is safer — SCCE or SCCF?
By beta (market sensitivity over 5 years), Sachem Capital Corp. 6.00% Note (SCCE) is the lower-risk stock at 0.01β versus Sachem Capital Corp. 7.125% Not's 0.04β — meaning SCCF is approximately 533% more volatile than SCCE relative to the S&P 500. On balance sheet safety, Sachem Capital Corp. 7.125% Not (SCCF) carries a lower debt/equity ratio of 166% versus 1128% for Sachem Capital Corp. 6.00% Note — giving it more financial flexibility in a downturn.
03Which has better profit margins — SCCE or SCCF?
Sachem Capital Corp. 6.00% Note (SCCE) is the more profitable company, earning 1879% net margin versus -68.8% for Sachem Capital Corp. 7.125% Not — meaning it keeps 1879% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SCCE leads at 844.1% versus -30.9% for SCCF. At the gross margin level — before operating expenses — SCCE leads at 100.0%, 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.
04Which pays a better dividend — SCCE or SCCF?
All stocks in this comparison pay dividends. Sachem Capital Corp. 7.125% Not (SCCF) offers the highest yield at 1.5%, versus 1.5% for Sachem Capital Corp. 6.00% Note (SCCE).
05Is SCCE or SCCF better for a retirement portfolio?
For long-horizon retirement investors, Sachem Capital Corp. 6.00% Note (SCCE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.01), 1.5% yield). Both have compounded well over 10 years (SCCE: +26.0%, SCCF: +21.6%), 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.
06What are the main differences between SCCE and SCCF?
Both stocks operate in the Real Estate 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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