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SCMStellus Capital Investment Corporation
$8.30$240M
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SCM logoStellus Capital Investment Corporation(SCM)Earnings, Financials & Key Ratios

SCM•NYSE•Banking & Credit
8.8× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryAsset ManagementSub-IndustryPrivate credit and BDC lenders
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$59M-7.8%
  • Total Revenue$67M-19.1%
  • Net Income$27M-41.0%
  • Return on Equity7.3%-45.1%
  • Net Interest Margin5.68%-13.2%
  • Efficiency Ratio5.06%+11.6%
  • ROA2.67%-44.9%
  • Equity / Assets35.65%-5.5%
  • Book Value per Share13.09-9.5%

SCM Key Insights

Stellus Capital Investment Corporation (SCM) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong NIM of 5.7%
  • ✓Efficient operations: 5.1% efficiency ratio
  • ✓Well capitalized: 35.6% equity/assets
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Weak Piotroski F-Score: 1/9
  • ✗Weak momentum: RS Rating 18 (bottom 18%)
  • ✗Dividend payout exceeds 100% of earnings
  • ✗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.

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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 Years20.49%
5 Years9.86%
3 Years13.81%
TTM-

Profit CAGR

10 Years13.43%
5 Years6.02%
3 Years23.12%
TTM-37.1%

EPS CAGR

10 Years4.53%
5 Years-1.79%
3 Years8.68%
TTM-41.75%

Return on Capital

10 Years4.51%
5 Years3.31%
3 Years3.24%
Last Year2.87%

SCM Recent Earnings

Stellus Capital Investment Corporation (SCM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
May 11, 2026
Metric
Actual
Est
EPS
$0.27+0.0%
$0.27
Rev
$23M-6.1%
$25M
Q2 2026
Mar 11, 2026
Metric
Actual
Est
EPS
$0.29-6.5%
$0.31
Rev
$25M-4.3%
$26M
Q4 2025
Nov 10, 2025
Metric
Actual
Est
EPS
$0.34+13.3%
$0.30
Rev
$17M-33.8%
$26M
Q3 2025
Aug 6, 2025
Metric
Actual
Est
EPS
$0.35+0.0%
$0.35
Rev
$25M-5.8%
$26M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 11, 2026
$0.27vs $0.27+0.0%
$23Mvs $25M-6.1%
Q2 2026Mar 11, 2026
$0.29vs $0.31-6.5%
$25Mvs $26M-4.3%
Q4 2025Nov 10, 2025
$0.34vs $0.30+13.3%
$17Mvs $26M-33.8%
Q3 2025Aug 6, 2025
$0.35vs $0.35+0.0%
$25Mvs $26M-5.8%
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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GAIN logoGAINGladstone Investment CorporationDirect Competitor588.57M14.783.10-20.47%173.56%34.04%0.84
SLRC logoSLRCSLR Investment Corp.Direct Competitor677.57M12.427.3124.76%39.78%7.31%1.15
PFLT logoPFLTPennantPark Floating Rate Capital Ltd.Direct Competitor742.15M7.4810.392.2%34.83%5.84%1.65
TPVG logoTPVGTriplePoint Venture Growth BDC Corp.Direct Competitor202.99M5.004.1036.55%-19.55%-3.39%1.33
CSWC logoCSWCCapital Southwest CorporationDirect Competitor1.43B22.9812.0950.13%50.89%11.68%1.12
HRZN logoHRZNHorizon Technology Finance CorporationDirect Competitor186.22M4.224.0217.91%37.39%8.95%1.49
ARCC logoARCCAres Capital CorporationProduct Competitor12.95B18.039.6932.87%43.69%8.11%1.12
FSCO logoFSCOFS Credit Opportunities Corp.Product Competitor997.19M4.936.49-18.64%10.48%0.20

Compare SCM vs Peers

Stellus Capital Investment Corporation (SCM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GAIN

Most directly comparable listed peer for SCM.

Scale Benchmark

vs BX

Larger-name benchmark to compare SCM against a more recognizable public peer.

Peer Set

Compare Top 5

vs GAIN, SLRC, PFLT, TPVG

SCM Income Statement

Stellus Capital Investment Corporation (SCM) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-7.86M-12.34M38.8M35.78M38M44.91M65.77M64.12M59.1M58.48M
NII Growth %
1.71%-57.08%414.45%-7.78%6.2%18.2%46.43%-2.5%-7.83%-29.85%
Net Interest Margin %
-1.96%-2.34%5.98%5.3%4.63%5%7.24%6.54%5.68%0%
Interest Income
0053.77M51.73M56.72M69.38M97.78M95.63M94.04M94.01M
Interest Expense
7.86M12.34M14.98M15.95M18.72M24.47M32.01M31.51M34.94M35.53M
Loan Loss Provision
-1.6M1.43M0000000-3.55M
Non-Interest Income
27.26M31.06M-7.11M-9.9M4.66M-23.96M-44.54M-12.91M-27.09M-16.97M
Non-Interest Income %
100%100%-15.24%-23.67%7.59%-52.76%-83.67%-15.61%-40.45%-22.03%
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%
66.96M▼ 19.1%
77.03M▲ 0%
Revenue Growth %
3.04%13.93%50.26%-10.36%46.73%-26%17.21%55.37%-19.05%47.29%
Non-Interest Expense
4.65M4.25M4.28M4.69M5.54M5.08M5.22M3.75M3.39M11.01M
Efficiency Ratio
17.08%13.69%9.17%11.22%9.02%11.19%9.8%4.53%5.06%14.29%
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%
28.63M▼ 39.7%
34.04M▲ 0%
Operating Margin %
65.92%112.42%58.74%50.65%60.48%34.93%30.07%57.38%42.75%44.19%
Operating Income Growth %
3.8%94.28%-21.5%-22.69%75.2%-57.26%0.88%196.53%-39.69%-
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%
25.15M▲ 0%
Pretax Margin %
82.92%86.31%58.74%50.65%60.48%34.93%30.07%57.38%42.75%32.65%
Income Tax
-8.59K611.03K970.66K996.01K3.55M1.37M-1.53M1.62M1.58M1.44M
Effective Tax Rate %
-0.04%2.28%3.54%4.7%9.56%8.67%-9.54%3.41%5.52%5.73%
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%
23.71M▲ 0%
Net Margin %
82.96%84.35%56.66%48.27%54.7%31.91%32.93%55.42%40.39%30.78%
Net Income Growth %
-2.53%15.84%0.93%-23.62%66.26%-56.83%20.99%161.47%-41.01%-37.1%
Net Income (Continuing)
22.61M26.19M26.44M20.19M33.57M14.49M17.53M45.84M27.05M23.71M
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%
0.82▲ 0%
EPS Growth %
-18.28%7.89%-11.59%-28.28%65.38%-56.98%8.11%123.75%-46.93%-41.75%
EPS (Basic)
1.521.641.451.041.720.740.801.790.95-
Diluted Shares Outstanding
14.87M15.95M18.28M19.47M19.49M19.55M22M25.6M28.36M28.95M

SCM Balance Sheet

Stellus Capital Investment Corporation (SCM) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
25.11M17.47M16.13M18.48M44.17M48.04M26.13M20.06M25.05M3.38T
Cash & Due from Banks
25.11M17.47M16.13M18.48M44.17M48.04M26.13M20.06M25.05M25.05M
Short Term Investments
000000000155.58M
Total Investments
371.84M504.48M0000000990M
Investments Growth %
1.7%35.67%-100%------0%
Long-Term Investments
371.84M504.48M0000000834.41M
Accounts Receivables
26.89K03.06M2.43M3.54M4.74M5.3M5.38M06.76T
Goodwill & Intangibles
0000000000
Goodwill
0000000000
Intangible Assets
0000000000
PP&E (Net)
0000000000
Other Assets
0363.29K628.95M653.51M772.89M844.73M876.06M954.8M1.01B649K
Total Current Assets
28.42M21.44M19.57M21.4M48.22M53.45M32.03M26.1M26.59M10.14T
Total Non-Current Assets
371.84M504.85M628.95M653.51M773.04M844.73M876.06M954.8M1.01B835.06M
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%
1.04B▲ 6.2%
1001.27T▲ 0%
Asset Growth %
5.37%31.49%23.22%4.07%21.68%9.37%1.1%8.02%6.15%98965639.74%
Return on Assets (ROA)
5.8%5.65%4.5%3.05%4.49%1.69%1.94%4.85%2.67%0%
Accounts Payable
2.83M3.67M4.49M2.14M4.86M4.64M5.24M8.94M10M9.01M
Total Debt
174.46M292.27M366.03M393.2M518.17M604.13M575.83M593.01M651.82M651.82M
Net Debt
149.35M274.8M349.9M374.73M474M556.09M549.71M572.95M626.77M626.77M
Long-Term Debt
135.13M292.27M366.03M393.2M518.17M604.13M575.83M593.01M651.82M257.15T
Short-Term Debt
39.33M00000000122.76T
Other Liabilities
-135.13M-292.75M7.42M6.2M13.12M13.64M7.07M9.02M954.3K257.73T
Total Current Liabilities
44.89M8.7M4.49M2.14M4.86M4.64M5.24M8.94M17.3M123.39T
Total Non-Current Liabilities
00373.45M399.41M531.29M617.77M582.91M602.03M652.78M514.89T
Total Liabilities
180.01M301.44M377.94M401.55M536.15M622.41M588.15M610.98M670.07M638.28T
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%
371.18M▲ 0.3%
363T▲ 0%
Equity Growth %
28.89%2.09%20.34%1.03%4.3%-3.27%16.01%15.62%0.34%97378788.35%
Equity / Assets (Capital Ratio)
55.03%42.72%41.72%40.5%34.72%30.7%35.23%37.71%35.65%36.25%
Return on Equity (ROE)
11.56%11.77%10.67%7.42%12.02%5.17%5.89%13.29%7.3%0%
Book Value per Share
14.8114.0914.8014.0414.6314.1014.5414.4513.09999999.00
Tangible BV per Share
14.8114.0914.8014.0414.6314.1014.5414.4513.0912540004.87
Common Stock
15.95K15.95K19.13K19.49K19.52K19.67K24.13K27.48K28.95K28.95B
Additional Paid-in Capital
228.07M228.16M272.12M276.03M274.56M275.11M335.92M379.55M397.83M397.83M
Retained Earnings
-435.79K-3.33M-1.57M-2.69M10.53M642.23K-16M-9.65M-26.68M-34.86M
Accumulated OCI
-10.79M1.67M00000000
Treasury Stock
0000000000
Preferred Stock
0000000000

SCM Cash Flow Statement

Stellus Capital Investment Corporation (SCM) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
18.85M-102.42M-93.29M-3.49M-76.1M-56.29M-17.27M-28.65M-24.45M35.28M
Operating CF Growth %
113.32%-643.34%8.92%96.26%-2082.1%26.04%69.33%-65.93%14.66%298.69%
Net Income
22.61M26.19M26.44M20.19M33.57M14.49M17.53M45.84M27.05M23.71M
Depreciation & Amortization
0000000000
Deferred Taxes
-8.59K67.95K00000000
Other Non-Cash Items
-4.78M-131.3M-122.95M-22.66M-117.69M-71.01M-26.27M-76.79M-50.59M4.21M
Working Capital Changes
1.03M2.62M3.22M-1.02M8.01M229.97K-8.53M2.29M-901.59K7.36M
Cash from Investing
0000000000
Purchase of Investments
0000000000
Sale/Maturity of Investments
0000000000
Net Investment Activity
0000000000
Acquisitions
0000000000
Other Investing
0000000000
Cash from Financing
-2.93M94.78M91.95M5.83M101.8M60.16M-4.65M22.58M29.44M-42.79M
Dividends Paid
-19.93M-21.59M-24.68M-24.34M-21.04M-26.59M-35.53M-37.56M-45.27M-44.68M
Share Repurchases
-142-1.05K0-94000000
Stock Issued
48.74M045.86M4.79M449.51K2.16M63.35M46.49M20.59M11.33M
Net Stock Activity
48.74M-1.05K45.86M4.79M449.51K2.16M63.35M46.49M20.59M11.33M
Debt Issuance (Net)
-1000K1000K1000K1000K1000K1000K-1000K1000K1000K0
Other Financing
-30.37M-2.43M-2.23M-2.57M-5.57M-2.29M-4.14M-1.82M-5.11M-4.92M
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%
4.99M▲ 182.3%
-7.51M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
9.19M25.11M17.47M16.13M18.48M44.17M48.04M26.13M20.06M25.05M
Cash at End
25.11M17.47M16.13M18.48M44.17M48.04M26.13M20.06M25.05M3.38M
Interest Paid
010.08M00000000
Income Taxes Paid
027.72K00000000
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%
-24.45M▲ 14.7%
35.28M▲ 0%
FCF Growth %
113.32%-643.34%8.92%96.26%-2082.1%26.04%69.33%-65.93%14.66%150.38%

SCM Banking Ratios

Stellus Capital Investment Corporation (SCM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
11.56%11.77%10.67%7.42%12.02%5.17%5.89%13.29%7.3%0%
Return on Assets (ROA)
5.8%5.65%4.5%3.05%4.49%1.69%1.94%4.85%2.67%0%
Net Interest Margin
-1.96%-2.34%5.98%5.3%4.63%5%7.24%6.54%5.68%0%
Efficiency Ratio
17.08%13.69%9.17%11.22%9.02%11.19%9.8%4.53%5.06%14.29%
Equity / Assets
55.03%42.72%41.72%40.5%34.72%30.7%35.23%37.71%35.65%36.25%
Book Value / Share
14.8114.0914.814.0414.6314.114.5414.4513.091000K
NII Growth
1.71%-57.08%414.45%-7.78%6.2%18.2%46.43%-2.5%-7.83%-7.49%
Dividend Payout
88.14%82.44%93.34%120.55%62.68%183.51%202.63%81.93%167.37%188.48%
Related:SCM Dividend History·SCM Revenue History·SCM Price History·SCM P/E History·SCM Financial Ratios·SCM Institutional Holders

SCM SEC Filings & Documents

Stellus Capital Investment Corporation (SCM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Feb 5, 2026·SEC

Material company update

Nov 24, 2025·SEC

Material company update

Sep 26, 2025·SEC

10-K Annual Reports

6
FY 2026

Mar 11, 2026·SEC

FY 2025

Mar 4, 2025·SEC

FY 2024

Mar 4, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 6, 2025·SEC

SCM Frequently Asked Questions

Stellus Capital Investment Corporation (SCM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Stellus Capital Investment Corporation (SCM) saw revenue decline by 19.1% over the past year.

Yes, Stellus Capital Investment Corporation (SCM) is profitable, generating $23.7M in net income for fiscal year 2025 (40.4% net margin).

Dividend & Returns

Yes, Stellus Capital Investment Corporation (SCM) pays a dividend with a yield of 19.11%. This makes it attractive for income-focused investors.

Stellus Capital Investment Corporation (SCM) has a return on equity (ROE) of 7.3%. This is below average, suggesting room for improvement.

Industry Metrics

Stellus Capital Investment Corporation (SCM) has a net interest margin (NIM) of 5.7%. This indicates healthy earnings from lending activities.

Stellus Capital Investment Corporation (SCM) has an efficiency ratio of 5.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SCM back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

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How much would $100/month in SCM be worth today?

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