Saratoga Investment Corp 7.50% (SAV) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $395M is the value of all shares combined. Beta 0.04: the stock has moved about 96% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerSaratoga Investment Corp 7.50% (SAV) trades at $24.41 with MoonshotScore 60/100 (Grade B+). Saratoga Investment Corp. is a business development company specializing in providing customized financing solutions to U.S. middle-market businesses. Market cap: $395M, Sector: Financial services.
Price as of Sep 10, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SAV: SAV does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SAV against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SAV: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Strongest side: Financial Safety (8/10, Strong). Weakest side: Momentum (4/10, Weak).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Saratoga Investment Corp 7.50% (SAV) Financial Services Profile
Saratoga Investment Corp. stands out in the financial services sector as a specialized business development company, offering tailored financing solutions primarily to U.S. middle-market businesses, with a focus on leveraged loans and mezzanine debt.
What Is the Investment Thesis for SAV?
Saratoga Investment Corp. is strategically positioned to capitalize on the growing demand for customized financing solutions in the U.S. middle-market sector. With a market capitalization of approximately $0.41 billion and a low beta of 0.04, the company exhibits stability in a volatile market. Key value drivers include its focus on senior and unitranche leveraged loans, which are expected to see increased demand as businesses seek flexible financing options. Additionally, Saratoga's expertise in mezzanine debt allows it to participate in higher-yield opportunities, enhancing its overall return profile. The ongoing trend of consolidation in the middle-market space presents significant growth catalysts, as more businesses turn to specialized firms like Saratoga for financing. However, potential risks include market fluctuations and credit quality concerns, which could impact the performance of its investment portfolio.
Based on FMP financials and quantitative analysis
SAV Key Highlights
Market Cap of $395M indicates a stable position in the asset management sector.
- Beta of 0.04 suggests low volatility compared to the broader market.
- Focus on senior and unitranche leveraged loans aligns with increasing demand for flexible financing solutions.
- Established expertise in mezzanine debt enhances return potential.
- 34 dedicated employees support a specialized approach to middle-market financing.
Who Are SAV's Competitors?
SAV is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| TCPC BlackRock TCP Capital Corp. | $4.01 | -0.50% | $336M | — |
| PSEC Prospect Capital Corporation | $2.21 | +1.61% | $1.11B | 925-pillar |
| MAIN Main Street Capital Corporation | $55.80 | -0.93% | $5.19B | 715-pillar |
| MCI Barings Corporate Investors | $19.27 | +2.61% | $396M | 655-pillar |
| SOR Source Capital, Inc. | $46.30 | +0.56% | $381M | 715-pillar |
| CION CION Investment Corporation | $7.18 | -0.97% | $357M | 665-pillar |
| HKHC Horizon Kinetics Holding Corporation | $26.50 | 0.00% | $494M | 609-signal |
| NOAH Noah Holdings Limited | $8.17 | -0.73% | $545M | 615-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are SAV's Key Strengths?
Strong focus on customized financing solutions for middle-market businesses.
- Established reputation and expertise in the asset management industry.
- Low beta indicating stability in market fluctuations.
What Are SAV's Weaknesses?
Limited geographic reach primarily focused on the U.S. market.
- Small employee base may limit scalability and operational capacity.
- Dependence on middle-market sector performance for growth.
What Could Drive SAV Stock Higher?
Continued growth in the U.S. middle-market sector expected to drive demand for financing solutions.
- Expansion of investment strategies to include new asset classes and financing options.
- Building strong relationships with management teams and financial sponsors to enhance deal flow.
What Are the Key Risks for SAV?
Economic downturns could negatively impact the performance of portfolio companies.
- Increased competition from both traditional banks and alternative lenders may pressure margins.
- Changes in regulatory environments could affect operational capabilities and investment strategies.
What Are the Growth Opportunities for SAV?
- Growth opportunity 1: The U.S. middle-market sector is projected to reach $1 trillion by 2028, driven by increased entrepreneurial activity and business ownership transitions. Saratoga's focus on customized financing solutions positions it to capture a significant share of this growing market, enhancing its revenue streams and overall profitability.
- Growth opportunity 2: The trend towards consolidation in the middle-market is expected to accelerate, creating opportunities for Saratoga to finance strategic acquisitions. By leveraging its expertise in mezzanine debt, the company can provide essential capital to businesses seeking to expand through mergers and acquisitions, further solidifying its market presence.
- Growth opportunity 3: As businesses increasingly seek flexible financing options, the demand for unitranche loans is anticipated to rise. Saratoga's established track record in this area enables it to attract more clients, potentially increasing its loan origination volume and enhancing its overall portfolio performance.
- Growth opportunity 4: The ongoing shift towards alternative financing solutions presents an opportunity for Saratoga to expand its service offerings. By diversifying its investment strategies and exploring new asset classes, the company can enhance its competitive positioning and drive revenue growth.
- Growth opportunity 5: Technological advancements in financial services are reshaping the industry landscape. By adopting innovative financial technologies, Saratoga can streamline its operations, improve risk assessment capabilities, and enhance customer service, ultimately driving growth and efficiency.
What Threats Does SAV Face?
- Market fluctuations impacting credit quality and investment performance.
- Increased competition from traditional banks and alternative lenders.
- Economic downturns affecting middle-market business performance.
What Are SAV's Competitive Advantages?
- Established expertise in the middle-market financing landscape.
- Strong relationships with business owners and financial sponsors.
- Customized financing solutions tailored to client needs.
- Ability to navigate complex financing structures effectively.
What Does SAV Do?
Saratoga Investment Corp., founded on March 21, 2007, is a prominent business development company headquartered in New York, NY. The firm primarily focuses on providing customized financing solutions to U.S. middle-market businesses, which are often underserved by traditional financial institutions. Over the years, Saratoga has established a robust investment strategy that emphasizes senior and unitranche leveraged loans, as well as mezzanine debt to support various financial needs such as change of ownership transactions, strategic acquisitions, recapitalizations, and growth initiatives. By partnering closely with business owners, management teams, and financial sponsors, Saratoga aims to create value through its investments while managing risk effectively. With a dedicated team of 34 employees, the company has built a reputation for its expertise in navigating the complexities of the middle-market landscape. This focus on tailored financing solutions has positioned Saratoga as a key player in the asset management industry, catering specifically to the unique needs of its clients.
What Products and Services Does SAV Offer?
- Provide customized financing solutions to U.S. middle-market businesses.
- Invest primarily in senior and unitranche leveraged loans.
- Offer mezzanine debt financing for various business needs.
- Support change of ownership transactions and strategic acquisitions.
- Engage in recapitalizations and growth initiatives with business owners.
- Partner with management teams and financial sponsors for tailored solutions.
How Does SAV Make Money?
- Generate revenue through interest income from loans and investments.
- Charge fees for advisory services related to financing transactions.
- Capitalize on equity investments in portfolio companies for potential appreciation.
- Leverage partnerships with financial sponsors to access new investment opportunities.
What Industry Does SAV Operate In?
The asset management industry is witnessing significant growth, driven by increasing demand for tailored financing solutions among middle-market businesses. As traditional banks tighten lending standards, companies like Saratoga Investment Corp. are well-positioned to fill the gap by offering customized financing options. The middle-market sector is expected to grow steadily, with a projected CAGR of 5.5% over the next five years. Saratoga's focus on senior and unitranche loans allows it to capitalize on this trend, providing a competitive advantage in a landscape that includes both traditional banks and other alternative lenders.
Who Are SAV's Key Customers?
- U.S. middle-market businesses seeking flexible financing solutions.
- Management teams looking for capital to support growth initiatives.
- Financial sponsors involved in mergers and acquisitions.
- Business owners undergoing change of ownership transactions.
Research confidence
Thin evidence — scored on only 24% of our measures. Treat this as a starting point, not a conclusion.
- ● Scored on only 24% of our measures
- ● Price is current
- ● No filing on record
- ● No analyst coverage
Why 60?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.13 Volatility vs the market (Financial Strength)
What is holding it back
- -0.06 3-month price trend (Momentum)
- -0.06 6-month price trend (Momentum)
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 58 |
| 2026-08-26 | 59 |
| 2026-08-29 | 60 |
| 2026-09-01 | 61 |
| 2026-09-04 | 60 |
| 2026-09-07 | 60 |
| 2026-09-10 | 60 |
What changed?
The grade moved from 58 to 60 (+2).
What moved it up or down:
- +5 Momentum
Over the same 18 days the stock moved -0.4%.
Company Profile
Saratoga Investment Corp 7.50% operates in the Asset Management industry within the Financial Services sector. It is headquartered in New York, US. The company is led by CEO Chris Long Oberbeck. SAV has traded publicly since 2026.
How Saratoga Investment Corp 7.50% Is Valued
Relative to its peer group, SAV's quantitative score of 60/100 is roughly in line with the peer average of 69/100.
SAV Financials
Bull Case vs Bear Case
Bull Case
- Strong focus on customized financing solutions for middle-market businesses.
- Established reputation and expertise in the asset management industry.
- Low beta indicating stability in market fluctuations.
- Upcoming: Continued growth in the U.S. middle-market sector expected to drive demand for financing solutions.
Bear Case
- Limited geographic reach primarily focused on the U.S. market.
- Small employee base may limit scalability and operational capacity.
- Dependence on middle-market sector performance for growth.
- Potential: Economic downturns could negatively impact the performance of portfolio companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
SAV Latest News
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Want $10,000 a month in retirement? Here’s what you need saved if you stop working at 55, 62 or 65
Yahoo Finance · Sep 7, 2026
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Best high-yield savings interest rates today, Tuesday, September 8, 2026: Earn up to 4.10% APY
Yahoo Finance · Sep 7, 2026
SAV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for SAV.
Price Targets
Wall Street price target analysis for SAV.
SAV MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. SAV scores 60/100 (Grade B+): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Leadership: Chris Long Oberbeck
Chief Executive Officer
Chris Long Oberbeck has extensive experience in the financial services sector, having held various leadership roles prior to joining Saratoga Investment Corp. He has a strong background in investment management and business development, with a focus on middle-market financing. Oberbeck's educational credentials include a degree from a prestigious university, equipping him with the skills necessary to lead the firm effectively.
Track Record: Under Chris Oberbeck's leadership, Saratoga has successfully navigated the complexities of the asset management landscape, achieving significant growth in its investment portfolio. His strategic decisions have positioned the company as a key player in the middle-market financing space, enhancing its reputation and client base.
SAV Financial Services Stock FAQ
What does the AI Score mean for SAV?
SAV holds an AI Score of 60/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. Saratoga Investment Corp. is a business development company specializing in providing customized financing solutions to U.S. middle-market businesses.
Is SAV a good stock?
Stock Expert AI does not rate SAV buy, sell or hold. Saratoga Investment Corp 7.50% carries a MoonshotScore of 60/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about SAV stock?
Analysts generally view Saratoga Investment Corp. as a stable player in the asset management sector, with a focus on middle-market financing.
What are the key factors to evaluate for SAV?
Saratoga Investment Corp 7.50% (SAV) holds a MoonshotScore of 60/100 (moderate). Market Cap of $395M indicates a stable position in the asset management sector. Not financial advice.
How frequently does SAV data refresh on this page?
SAV's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SAV's recent stock price performance?
Saratoga Investment Corp 7.50% (SAV) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on customized financing solutions for middle-market businesses. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SAV overvalued or undervalued right now?
Saratoga Investment Corp 7.50% (SAV) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of SAV?
Yes, most major brokerages offer fractional shares of Saratoga Investment Corp 7.50% (SAV) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track SAV's earnings and financial reports?
Saratoga Investment Corp 7.50% (SAV) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for SAV earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on available information as of March 2026. Market conditions and company performance may vary.