Stellus Capital Investment Corporation (SCM) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Asset Management
EV/EBITDA
↑
30.23
↓-15% vs avg
5yr avg: 35.39
30Y Low8.8·High52.0
P/FCF
N/A
—
5yr avg: N/A
30Y Low10.4·High17.0
P/B Ratio
↑
0.63
↓-32% vs avg
5yr avg: 0.93
30Y Low0.7·High1.1
ROE
↓
7.3%
-16% vs avg
5yr avg: 8.7%
30Y Low1%·High14%
Debt/EBITDA
↑
22.77
↓-8% vs avg
5yr avg: 24.66
30Y Low5.4·High38.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SCM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Stellus Capital Investment Corporation trades at 8.7x earnings, 31% below its 5-year average of 12.5x, sitting at the 36th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.7x, the stock trades at a discount of 37%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $239M | $360M | $352M | $283M | $259M | $254M | $212M | $260M | $207M | $195M | $151M |
| Enterprise Value | $865M | $986M | $925M | $832M | $815M | $728M | $587M | $610M | $481M | $345M | $344M |
| P/E Ratio → | 8.67 | 13.35 | 7.69 | 16.06 | 17.92 | 7.57 | 10.46 | 9.81 | 7.90 | 8.64 | 6.48 |
| P/S Ratio | 3.56 | 5.37 | 4.26 | 5.31 | 5.71 | 4.13 | 5.06 | 5.57 | 6.65 | 7.17 | 5.69 |
| P/B Ratio | 0.63 | 0.97 | 0.95 | 0.88 | 0.94 | 0.89 | 0.77 | 0.96 | 0.92 | 0.89 | 0.88 |
| P/FCF | — | — | — | — | — | — | — | — | — | 10.37 | 17.03 |
| P/OCF | — | — | — | — | — | — | — | — | — | 10.37 | 17.03 |
P/E links to full P/E history page with 30-year chart
SCM EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Stellus Capital Investment Corporation's enterprise value stands at 30.2x EBITDA, 15% below its 5-year average of 35.4x. The Financial Services sector median is 10.9x, placing the stock at a 176% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 14.73 | 11.18 | 15.64 | 17.95 | 11.86 | 14.02 | 13.07 | 15.50 | 12.65 | 13.02 |
| EV / EBITDA | 30.23 | 34.46 | 19.49 | 52.01 | 51.39 | 19.60 | 27.68 | 22.25 | 8.82 | 10.98 | 16.49 |
| EV / EBIT | 30.23 | 34.46 | 19.49 | 52.01 | 51.39 | 19.60 | 27.68 | 22.25 | 12.40 | 11.32 | 11.18 |
| EV / FCF | — | — | — | — | — | — | — | — | — | 18.29 | 38.97 |
SCM Profitability
Margins and return-on-capital ratios measuring operating efficiency
Stellus Capital Investment Corporation earns an operating margin of 42.8%, significantly above the Financial Services sector average of 20.0%. Operating margins have expanded from 30.1% to 42.8% over the past 3 years, signaling improving operational efficiency. ROE of 7.3% is modest, trailing the sector median of 8.9%. ROIC of 2.2% represents below-average returns on invested capital versus a sector median of 5.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.8% | 47.8% | 61.9% | 39.9% | 46.1% | 69.5% | 61.9% | 67.9% | 55.7% | 77.1% | 76.3% |
| Operating Margin | 42.8% | 42.8% | 57.4% | 30.1% | 34.9% | 60.5% | 50.7% | 58.7% | 112.4% | 65.9% | 65.4% |
| Net Profit Margin | 40.4% | 40.4% | 55.4% | 32.9% | 31.9% | 54.7% | 48.3% | 56.7% | 84.3% | 83.0% | 87.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.3% | 7.3% | 13.3% | 5.9% | 5.2% | 12.0% | 7.4% | 10.7% | 11.8% | 11.6% | 13.8% |
| ROA | 2.7% | 2.7% | 4.9% | 1.9% | 1.7% | 4.5% | 3.1% | 4.5% | 5.7% | 5.8% | 6.2% |
| ROIC | 2.2% | 2.2% | 3.8% | 1.4% | 1.4% | 3.8% | 2.4% | 3.6% | 5.7% | 3.5% | 3.5% |
| ROCE | 2.9% | 2.9% | 5.1% | 1.8% | 1.9% | 5.0% | 3.2% | 4.7% | 8.0% | 5.9% | 6.8% |
SCM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Stellus Capital Investment Corporation carries a Debt/EBITDA ratio of 22.8x, which is highly leveraged (444% above the sector average of 4.2x). Net debt stands at $627M ($652M total debt minus $25M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.76 | 1.76 | 1.60 | 1.80 | 2.19 | 1.82 | 1.44 | 1.35 | 1.30 | 0.79 | 1.19 |
| Debt / EBITDA | 22.77 | 22.77 | 12.49 | 35.98 | 38.08 | 13.96 | 18.56 | 13.35 | 5.36 | 5.56 | 9.72 |
| Net Debt / Equity | — | 1.69 | 1.55 | 1.72 | 2.02 | 1.66 | 1.37 | 1.29 | 1.22 | 0.68 | 1.13 |
| Net Debt / EBITDA | 21.90 | 21.90 | 12.07 | 34.34 | 35.05 | 12.77 | 17.69 | 12.77 | 5.04 | 4.76 | 9.28 |
| Debt / FCF | — | — | — | — | — | — | — | — | — | 7.92 | 21.94 |
| Interest Coverage | 0.82 | 0.82 | 1.51 | 0.50 | 0.65 | 1.98 | 1.33 | 1.83 | 3.15 | 3.88 | 3.86 |
SCM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.54x means Stellus Capital Investment Corporation can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 6.11x to 1.54x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.54 | 1.54 | 2.92 | 6.11 | 11.52 | 9.91 | 9.98 | 4.36 | 2.47 | 0.63 | 0.12 |
| Quick Ratio | 1.54 | 1.54 | 2.92 | 6.11 | 11.52 | 9.91 | 9.98 | 4.36 | 2.47 | 0.63 | 0.12 |
| Cash Ratio | 1.45 | 1.45 | 2.24 | 4.98 | 10.35 | 9.08 | 8.62 | 3.59 | 2.01 | 0.56 | 0.08 |
| Asset Turnover | — | 0.06 | 0.08 | 0.06 | 0.05 | 0.07 | 0.06 | 0.07 | 0.06 | 0.07 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SCM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Stellus Capital Investment Corporation returns 19.4% to shareholders annually primarily through dividends. The payout ratio exceeds 100% at 167.4%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 11.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 19.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 167.4% | 167.4% | 81.9% | 202.6% | 183.5% | 62.7% | 120.5% | 93.3% | 82.4% | 88.1% | 73.1% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.5% | 7.5% | 13.0% | 6.2% | 5.6% | 13.2% | 9.6% | 10.2% | 12.7% | 11.6% | 15.4% |
| FCF Yield | — | — | — | — | — | — | — | — | — | 9.6% | 5.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 19.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $28M | $26M | $22M | $20M | $19M | $19M | $18M | $16M | $15M | $12M |
Peer Comparison
Compare SCM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SCMYou | $239M | 8.7 | 30.2 | — | 47.8% | 42.8% | 7.3% | 2.2% | 22.8 |
 GAIN | $588M | 3.1 | 5.1 | — | 19.4% | 315.8% | 31.7% | 15.5% | 2.5 |
 SLRC | $669M | 7.2 | 11.0 | — | 73.3% | 72.9% | 9.3% | 5.8% | 7.0 |
 PFLT | $719M | 10.1 | 35.2 | 7.6 | 45.6% | 39.4% | 6.8% | 2.1% | 26.3 |
 TPVG | $193M | 3.9 | 8.5 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 CSWC | $1B | 12.2 | 13.0 | — | 94.3% | 76.9% | 11.9% | 7.1% | 5.8 |
 HRZN | $184M | 4.0 | — | 3.2 | 18.0% | -4.0% | -0.8% | -0.2% | — |
 ARCC | $13B | 9.6 | 12.7 | 11.2 | 75.7% | 69.7% | 9.4% | 5.7% | 7.3 |
 FSCO | $979M | 6.4 | 5.6 | 1.9 | 79.3% | 74.5% | 10.5% | 6.4% | 1.9 |
 GBDC | $3B | 8.7 | 11.8 | — | 81.5% | 78.9% | 9.4% | 5.9% | 7.1 |
 OCSL | $1B | 29.3 | 16.0 | 7.1 | 87.2% | 50.4% | 2.3% | 3.7% | 9.8 |
| Financial Services Median | — | 13.7 | 10.9 | 11.1 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
SCM — Frequently Asked Questions
Quick answers to the most common questions about buying SCM stock.
What is Stellus Capital Investment Corporation's P/E ratio?
Stellus Capital Investment Corporation's current P/E ratio is 8.7x. The historical average is 16.9x. This places it at the 36th percentile of its historical range.
What is Stellus Capital Investment Corporation's EV/EBITDA?
Stellus Capital Investment Corporation's current EV/EBITDA is 30.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.7x.
What is Stellus Capital Investment Corporation's ROE?
Stellus Capital Investment Corporation's return on equity (ROE) is 7.3%. The historical average is 8.6%.
Is SCM stock overvalued?
Based on historical data, Stellus Capital Investment Corporation is trading at a P/E of 8.7x. This is at the 36th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Stellus Capital Investment Corporation's dividend yield?
Stellus Capital Investment Corporation's current dividend yield is 19.37% with a payout ratio of 167.4%.
What are Stellus Capital Investment Corporation's profit margins?
Stellus Capital Investment Corporation has 47.8% gross margin and 42.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Stellus Capital Investment Corporation have?
Stellus Capital Investment Corporation's Debt/EBITDA ratio is 22.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.