Originates short-term, secured loans for real estate investors. Underwrites and funds loans for property acquisition. Now — the numbers.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 188.2× for every dollar this company earns in a year — a price that already assumes things go well.
Against companies in its own sector, it looks cheaper than 68% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
There is growth, but not at top-of-the-class tempo.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 24% a year on average.
Over the last 12 months, company executives reported 9 buys and 1 sell. Management buying with its own money is usually read as a good sign.
It pays out $2.00 per share each year — regular cash for whoever holds the stock.
The company’s market value is 188 times its annual profit. Even a small disappointment could hit the price hard.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 31/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 40/100.
On our five-subject report card, SCCG sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: SCCG does earn real profits — but on our report card it still sits behind its class. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.