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Stellus Capital Investment Corporation(SCM)Earnings, Financials & Key Ratios
SCM•NYSE•Banking & Credit
$9.70
$275M mkt cap·10.2× P/E·Price updated May 6, 2026
AboutStellus Capital Investment Corporation is a business development company specializing in investments in private middle-market companies. It invests through first lien, second lien, unitranche, and mezzanine debt financing, often with a corresponding equity investment. The fund prefers to invest in US and Canada. The fund seeks to invest in companies with an EBITDA between $5 million and $50 million.Show more
- Net Interest Income$67M+4.8%
- Total Revenue$104M+25.3%
- Net Income$27M-41.0%
- Return on Equity0.01%-99.9%
- Net Interest Margin0.01%-99.9%
- Efficiency Ratio14.5%+220.1%
- ROA0.01%-99.9%
- Equity / Assets35.65%-5.5%
- Book Value per Share13085.81+90446.7%
- Tangible BV/Share13085.81+90446.7%
- Debt/Equity0.00-99.9%
SCM Key Insights
Stellus Capital Investment Corporation (SCM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Efficient operations: 14.5% efficiency ratio
- ✓Well capitalized: 35.6% equity/assets
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak NIM of 0.0%
- ✗Shares diluted 10.8% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SCM Price & Volume
Stellus Capital Investment Corporation (SCM) stock price & volume — 10-year historical chart
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SCM Growth Metrics
Stellus Capital Investment Corporation (SCM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years25.87%
5 Years19.9%
3 Years31.67%
TTM-
Profit CAGR
10 Years13.43%
5 Years6.02%
3 Years23.12%
TTM-41.01%
EPS CAGR
10 Years4.53%
5 Years-1.79%
3 Years8.68%
TTM-36.87%
Return on Capital
10 Years4.23%
5 Years2.74%
3 Years2.29%
Last Year0.01%
SCM Recent Earnings
Stellus Capital Investment Corporation (SCM) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Mar 11, 2026EPS
$0.29
Est $0.31
-6.5%
Revenue
$25M
Est $26M
-4.3%
Q4 2025
Nov 10, 2025EPS
$0.34
Est $0.30
+13.3%
Revenue
$17M
Est $26M
-33.8%
Q3 2025
Aug 6, 2025EPS
$0.35
Est $0.35
+0.0%
Revenue
$25M
Est $26M
-5.8%
Q2 2025
May 12, 2025EPS
$0.37
Est $0.37
+0.0%
Revenue
$25M
Est $27M
-6.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 11, 2026 | $0.29vs $0.31-6.5% | $25Mvs $26M-4.3% |
| Q4 2025 | Nov 10, 2025 | $0.34vs $0.30+13.3% | $17Mvs $26M-33.8% |
| Q3 2025 | Aug 6, 2025 | $0.35vs $0.35+0.0% | $25Mvs $26M-5.8% |
| Q2 2025 | May 12, 2025 | $0.37vs $0.37+0.0% | $25Mvs $27M-6.8% |
Based on last 12 quarters of dataView full earnings history →
SCM Peer Comparison
Stellus Capital Investment Corporation (SCM) competitors in Private credit and BDC lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 GAIN | 665.43M | 16.71 | 9.39 | -12.88% | 21.89% | 0.91 | ||
 SLRC | 761.04M | 13.95 | 8.21 | 24.76% | 7.31% | 1.15 | ||
 PFLT | 913.8M | 9.21 | 12.79 | 2.2% | 3.23% | 1.65 | ||
 TPVG | 225.54M | 5.57 | 4.57 | 36.55% | 13.09% | 1.33 | ||
 CSWC | 1.44B | 24.19 | 16.46 | 7.67% | 10.32% | 1.08 | ||
 HRZN | 218.97M | 4.58 | 4.36 | 17.91% | 8.95% | 1.49 | ||
 ARCC | 13.76B | 19.16 | 10.30 | 32.87% | 8.11% | 1.12 | ||
 FSCO | 1.04B | 5.23 | 5.51 | -17.44% | 13.47% | 0.32 |
Compare SCM vs Peers
Stellus Capital Investment Corporation (SCM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SCM Income Statement
Stellus Capital Investment Corporation (SCM) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -7.86M | -12.34M | 38.8M | 35.78M | 38M | 44.91M | 65.77M | 64.12M | 67.2M |
| NII Growth % | 1.71% | -57.08% | 414.45% | -7.78% | 6.2% | 18.2% | 46.43% | -2.5% | 4.8% |
| Net Interest Margin % | -1.96% | -2.34% | 5.98% | 5.3% | 4.63% | 5% | 7.24% | 6.54% | 0.01% |
| Interest Income | 0 | 0 | 53.77M | 51.73M | 56.72M | 69.38M | 97.78M | 95.63M | 102.14M |
| Interest Expense | 7.86M | 12.34M | 14.98M | 15.95M | 18.72M | 24.47M | 32.01M | 31.51M | 34.94M |
| Loan Loss Provision | -1.6M | 1.43M | 0 | 0 | 0 | 0 | 0 | 0 | -10.14M |
| Non-Interest Income | 27.26M | 31.06M | -7.11M | -9.9M | 4.66M | -23.96M | -44.54M | -12.91M | 1.53M |
| Non-Interest Income % | 100% | 100% | -15.24% | -23.67% | 7.59% | -52.76% | -83.67% | -15.61% | 1.48% |
| Total Revenue | 27.26M▲ 0% | 31.06M▲ 13.9% | 46.66M▲ 50.3% | 41.83M▼ 10.4% | 61.38M▲ 46.7% | 45.42M▼ 26.0% | 53.24M▲ 17.2% | 82.72M▲ 55.4% | 103.67M▲ 25.3% |
| Revenue Growth % | 3.04% | 13.93% | 50.26% | -10.36% | 46.73% | -26% | 17.21% | 55.37% | 25.33% |
| Non-Interest Expense | 4.65M | 4.25M | 4.28M | 4.69M | 5.54M | 5.08M | 5.22M | 3.75M | 15.04M |
| Efficiency Ratio | 17.08% | 13.69% | 9.17% | 11.22% | 9.02% | 11.19% | 9.8% | 4.53% | 14.5% |
| Operating Income | 17.97M▲ 0% | 34.91M▲ 94.3% | 27.41M▼ 21.5% | 21.19M▼ 22.7% | 37.12M▲ 75.2% | 15.87M▼ 57.3% | 16.01M▲ 0.9% | 47.46M▲ 196.5% | 63.83M▲ 34.5% |
| Operating Margin % | 65.92% | 112.42% | 58.74% | 50.65% | 60.48% | 34.93% | 30.07% | 57.38% | 61.57% |
| Operating Income Growth % | 3.8% | 94.28% | -21.5% | -22.69% | 75.2% | -57.26% | 0.88% | 196.53% | 34.49% |
| Pretax Income | 22.6M▲ 0% | 26.81M▲ 18.6% | 27.41M▲ 2.3% | 21.19M▼ 22.7% | 37.12M▲ 75.2% | 15.87M▼ 57.3% | 16.01M▲ 0.9% | 47.46M▲ 196.5% | 28.63M▼ 39.7% |
| Pretax Margin % | 82.92% | 86.31% | 58.74% | 50.65% | 60.48% | 34.93% | 30.07% | 57.38% | 27.61% |
| Income Tax | -8.59K | 611.03K | 970.66K | 996.01K | 3.55M | 1.37M | -1.53M | 1.62M | 1.58M |
| Effective Tax Rate % | -0.04% | 2.28% | 3.54% | 4.7% | 9.56% | 8.67% | -9.54% | 3.41% | 5.52% |
| Net Income | 22.61M▲ 0% | 26.19M▲ 15.8% | 26.44M▲ 0.9% | 20.19M▼ 23.6% | 33.57M▲ 66.3% | 14.49M▼ 56.8% | 17.53M▲ 21.0% | 45.84M▲ 161.5% | 27.05M▼ 41.0% |
| Net Margin % | 82.96% | 84.35% | 56.66% | 48.27% | 54.7% | 31.91% | 32.93% | 55.42% | 26.09% |
| Net Income Growth % | -2.53% | 15.84% | 0.93% | -23.62% | 66.26% | -56.83% | 20.99% | 161.47% | -41.01% |
| Net Income (Continuing) | 22.61M | 26.19M | 26.44M | 20.19M | 33.57M | 14.49M | 17.53M | 45.84M | 27.05M |
| EPS (Diluted) | 1.52▲ 0% | 1.64▲ 7.9% | 1.45▼ 11.6% | 1.04▼ 28.3% | 1.72▲ 65.4% | 0.74▼ 57.0% | 0.80▲ 8.1% | 1.79▲ 123.7% | 0.95▼ 46.9% |
| EPS Growth % | -18.28% | 7.89% | -11.59% | -28.28% | 65.38% | -56.98% | 8.11% | 123.75% | -46.93% |
| EPS (Basic) | 1.52 | 1.64 | 1.45 | 1.04 | 1.72 | 0.74 | 0.80 | 1.79 | 0.95 |
| Diluted Shares Outstanding | 14.87M | 15.95M | 18.28M | 19.47M | 19.49M | 19.55M | 22M | 25.6M | 28.36M |
SCM Balance Sheet
Stellus Capital Investment Corporation (SCM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 25.11M | 17.47M | 16.13M | 18.48M | 44.17M | 48.04M | 26.13M | 20.06M | 25.05B |
| Cash & Due from Banks | 25.11M | 17.47M | 16.13M | 18.48M | 44.17M | 48.04M | 26.13M | 20.06M | 20.06M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 371.84M | 504.48M | 0 | 0 | 0 | 0 | 0 | 0 | 1.01B |
| Investments Growth % | 1.7% | 35.67% | -100% | - | - | - | - | - | - |
| Long-Term Investments | 371.84M | 504.48M | 0 | 0 | 0 | 0 | 0 | 0 | 823.43M |
| Accounts Receivables | 26.89K | 0 | 3.06M | 2.43M | 3.54M | 4.74M | 5.3M | 5.38M | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 0 | 363.29K | 628.95M | 653.51M | 772.89M | 844.73M | 876.06M | 954.8M | 1.01T |
| Total Current Assets | 28.42M | 21.44M | 19.57M | 21.4M | 48.22M | 53.45M | 32.03M | 26.1M | 31.51B |
| Total Non-Current Assets | 371.84M | 504.85M | 628.95M | 653.51M | 773.04M | 844.73M | 876.06M | 954.8M | 1.01T |
| Total Assets | 400.26M▲ 0% | 526.29M▲ 31.5% | 648.51M▲ 23.2% | 674.91M▲ 4.1% | 821.26M▲ 21.7% | 898.18M▲ 9.4% | 908.09M▲ 1.1% | 980.9M▲ 8.0% | 1.04T▲ 106052.7% |
| Asset Growth % | 5.37% | 31.49% | 23.22% | 4.07% | 21.68% | 9.37% | 1.1% | 8.02% | 106052.72% |
| Return on Assets (ROA) | 5.8% | 5.65% | 4.5% | 3.05% | 4.49% | 1.69% | 1.94% | 4.85% | 0.01% |
| Accounts Payable | 2.83M | 3.67M | 4.49M | 2.14M | 4.86M | 4.64M | 5.24M | 8.94M | 0 |
| Total Debt | 174.46M | 292.27M | 366.03M | 393.2M | 518.17M | 604.13M | 575.83M | 593.01M | 593.01M |
| Net Debt | 149.35M | 274.8M | 349.9M | 374.73M | 474M | 556.09M | 549.71M | 572.95M | 572.95M |
| Long-Term Debt | 135.13M | 292.27M | 366.03M | 393.2M | 518.17M | 604.13M | 575.83M | 593.01M | 295.98B |
| Short-Term Debt | 39.33M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 122.67B |
| Other Liabilities | -135.13M | -292.75M | 7.42M | 6.2M | 13.12M | 13.64M | 7.07M | 9.02M | 250.84B |
| Total Current Liabilities | 44.89M | 8.7M | 4.49M | 2.14M | 4.86M | 4.64M | 5.24M | 8.94M | 123.25B |
| Total Non-Current Liabilities | 0 | 0 | 373.45M | 399.41M | 531.29M | 617.77M | 582.91M | 602.03M | 546.82B |
| Total Liabilities | 180.01M | 301.44M | 377.94M | 401.55M | 536.15M | 622.41M | 588.15M | 610.98M | 670.07B |
| Total Equity | 220.25M▲ 0% | 224.85M▲ 2.1% | 270.57M▲ 20.3% | 273.36M▲ 1.0% | 285.11M▲ 4.3% | 275.78M▼ 3.3% | 319.94M▲ 16.0% | 369.92M▲ 15.6% | 371.18B▲ 100239.8% |
| Equity Growth % | 28.89% | 2.09% | 20.34% | 1.03% | 4.3% | -3.27% | 16.01% | 15.62% | 100239.81% |
| Equity / Assets (Capital Ratio) | 55.03% | 42.72% | 41.72% | 40.5% | 34.72% | 30.7% | 35.23% | 37.71% | 35.65% |
| Return on Equity (ROE) | 11.56% | 11.77% | 10.67% | 7.42% | 12.02% | 5.17% | 5.89% | 13.29% | 0.01% |
| Book Value per Share | 14.81 | 14.09 | 14.80 | 14.04 | 14.63 | 14.10 | 14.54 | 14.45 | 13085.81 |
| Tangible BV per Share | 14.81 | 14.09 | 14.80 | 14.04 | 14.63 | 14.10 | 14.54 | 14.45 | 13085.81 |
| Common Stock | 15.95K | 15.95K | 19.13K | 19.49K | 19.52K | 19.67K | 24.13K | 27.48K | 28.95M |
| Additional Paid-in Capital | 228.07M | 228.16M | 272.12M | 276.03M | 274.56M | 275.11M | 335.92M | 379.55M | 397.83M |
| Retained Earnings | -435.79K | -3.33M | -1.57M | -2.69M | 10.53M | 642.23K | -16M | -9.65M | -26.68M |
| Accumulated OCI | -10.79M | 1.67M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SCM Cash Flow Statement
Stellus Capital Investment Corporation (SCM) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 18.85M | -102.42M | -93.29M | -3.49M | -76.1M | -56.29M | -17.27M | -28.65M | -24.45B |
| Operating CF Growth % | 113.32% | -643.34% | 8.92% | 96.26% | -2082.1% | 26.04% | 69.33% | -65.93% | -85244.02% |
| Net Income | 22.61M | 26.19M | 26.44M | 20.19M | 33.57M | 14.49M | 17.53M | 45.84M | 0 |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.22B |
| Deferred Taxes | -8.59K | 67.95K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -4.78M | -131.3M | -122.95M | -22.66M | -117.69M | -71.01M | -26.27M | -76.79M | -32.66B |
| Working Capital Changes | 1.03M | 2.62M | 3.22M | -1.02M | 8.01M | 229.97K | -8.53M | 2.29M | -901.59K |
| Cash from Investing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -54.42B |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -194.07B |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139.65B |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -54.42B |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Financing | -2.93M | 94.78M | 91.95M | 5.83M | 101.8M | 60.16M | -4.65M | 22.58M | 29.44M |
| Dividends Paid | -19.93M | -21.59M | -24.68M | -24.34M | -21.04M | -26.59M | -35.53M | -37.56M | 0 |
| Share Repurchases | -142 | -1.05K | 0 | -94 | 0 | 0 | 0 | 0 | -309K |
| Stock Issued | 48.74M | 0 | 45.86M | 4.79M | 449.51K | 2.16M | 63.35M | 46.49M | 19.98M |
| Net Stock Activity | 48.74M | -1.05K | 45.86M | 4.79M | 449.51K | 2.16M | 63.35M | 46.49M | 19.67M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | -30.37M | -2.43M | -2.23M | -2.57M | -5.57M | -2.29M | -4.14M | -1.82M | -45.27M |
| Net Change in Cash | 15.92M▲ 0% | -7.64M▼ 148.0% | -1.33M▲ 82.5% | 2.34M▲ 275.8% | 25.7M▲ 996.2% | 3.87M▼ 84.9% | -21.92M▼ 666.6% | -6.07M▲ 72.3% | 4.99B▲ 82372.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 9.19M | 25.11M | 17.47M | 16.13M | 18.48M | 44.17M | 48.04M | 26.13M | 20.06B |
| Cash at End | 25.11M | 17.47M | 16.13M | 18.48M | 44.17M | 48.04M | 26.13M | 20.06M | 25.05B |
| Interest Paid | 0 | 10.08M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 27.72K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 18.85M▲ 0% | -102.42M▼ 643.3% | -93.29M▲ 8.9% | -3.49M▲ 96.3% | -76.1M▼ 2082.1% | -56.29M▲ 26.0% | -17.27M▲ 69.3% | -28.65M▼ 65.9% | -24.45B▼ 85244.0% |
| FCF Growth % | 113.32% | -643.34% | 8.92% | 96.26% | -2082.1% | 26.04% | 69.33% | -65.93% | -85244.02% |
SCM Banking Ratios
Stellus Capital Investment Corporation (SCM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.83% | 11.56% | 11.77% | 10.67% | 7.42% | 12.02% | 5.17% | 5.89% | 13.29% | 0.01% |
| Return on Assets (ROA) | 6.23% | 5.8% | 5.65% | 4.5% | 3.05% | 4.49% | 1.69% | 1.94% | 4.85% | 0.01% |
| Net Interest Margin | -2.1% | -1.96% | -2.34% | 5.98% | 5.3% | 4.63% | 5% | 7.24% | 6.54% | 0.01% |
| Efficiency Ratio | 13.72% | 17.08% | 13.69% | 9.17% | 11.22% | 9.02% | 11.19% | 9.8% | 4.53% | 14.5% |
| Equity / Assets | 44.98% | 55.03% | 42.72% | 41.72% | 40.5% | 34.72% | 30.7% | 35.23% | 37.71% | 35.65% |
| Book Value / Share | 13.69 | 14.81 | 14.09 | 14.8 | 14.04 | 14.63 | 14.1 | 14.54 | 14.45 | 13.09K |
| NII Growth | -29.39% | 1.71% | -57.08% | 414.45% | -7.78% | 6.2% | 18.2% | 46.43% | -2.5% | 4.8% |
| Dividend Payout | 73.14% | 88.14% | 82.44% | 93.34% | 120.55% | 62.68% | 183.51% | 202.63% | 81.93% | - |
SCM SEC Filings & Documents
Stellus Capital Investment Corporation (SCM) SEC filings — annual & quarterly reports (10-K, 10-Q)
SCM Frequently Asked Questions
Stellus Capital Investment Corporation (SCM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Stellus Capital Investment Corporation (SCM) grew revenue by 25.3% over the past year. This is strong growth.
Yes, Stellus Capital Investment Corporation (SCM) is profitable, generating $27.0M in net income for fiscal year 2025 (26.1% net margin).
Dividend & Returns
Stellus Capital Investment Corporation (SCM) has a return on equity (ROE) of 0.0%. This is below average, suggesting room for improvement.
Industry Metrics
Stellus Capital Investment Corporation (SCM) has a net interest margin (NIM) of 0.0%. NIM has been under pressure due to interest rate environment.
Stellus Capital Investment Corporation (SCM) has an efficiency ratio of 14.5%. This is excellent, indicating strong cost control.
Explore More SCM
Stellus Capital Investment Corporation (SCM) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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