Reported Q: Q2 2026 Rev YoY: -99.9% EPS YoY: -26.8% Move: +0.84%
Saratoga Investment Corp
SAJ
$26.10 0.84%
Exchange NYSE Sector Financial Services Industry Investment Banking Investment Services
Q2 2026
Published: Oct 7, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for SAJ

Reported

Report Date

Oct 7, 2025

Quarter Q2 2026

Revenue

32.63M

YoY: -99.9%

EPS

0.71

YoY: -26.8%

Market Move

+0.84%

Previous quarter: Q1 2026

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Earnings Highlights

  • Revenue of $32.63M down 99.9% year-over-year
  • EPS of $0.71 decreased by 26.8% from previous year
  • Gross margin of 62.1%
  • Net income of 11.32M
  • "NAV growth from the previous quarter and year and NAV per share growth from the previous quarter. A strong return on equity beating the industry net originations… the return of our Xolage to accrual status, thereby reducing our nonaccrual investments to just one representing only 0.2% of portfolio fair value." - Christian Oberbeck
SAJ
Company SAJ

Executive Summary

Saratoga Investment Corp 800 (SAJ) delivered a solid QQ2 2026 performance with a continued NAV uptrend, resilient credit quality, and a robust liquidity position. The quarter featured an improved NAV of $410.5 million and NAV per share of $25.61, alongside ongoing revenue generation and disciplined expense management. Management underscored the portfolio’s defensible risk profile in a volatile macro environment, helped by high first-lien concentration (84.3%) and a reaccumulation of cash to deploy into accretive opportunities. A standout development was the return of Xalage to accrual status, reducing nonaccruals to 0.2% of portfolio fair value and signaling sustained credit quality headroom. The organization also communicated a constructive dividend framework, with a base dividend of $0.75 per share for 2026 (split into $0.25 monthly installments), yielding approximately 12.3% based on the Oct-2025 price. While near-term NII per share ($0.58) and trailing NII yield (9%) reflect the headwinds from lower-for-longer rates and ongoing repayments, SAJ maintains substantial liquidity (approximately $406.8 million in dry powder, including $201 million cash) and a flexible balance sheet to fund growth without outside equity capital. Looking forward, management remains cautiously optimistic about renewed deal flow and the ability to deploy capital in a way that supports NAV growth and dividend coverage, supported by a diversified portfolio, disciplined underwriting, and expanding sponsor relationships.

Key Performance Indicators

Revenue
Decreasing
32.63M
QoQ: 11.37% | YoY: -99.92%
Gross Profit
Decreasing
20.25M
62.08% margin
QoQ: 20.26% | YoY: -99.95%
Operating Income
Decreasing
14.48M
QoQ: 3.13% | YoY: -99.92%
Net Income
Decreasing
11.32M
QoQ: -18.79% | YoY: -15.04%
EPS
Decreasing
0.71
QoQ: -21.98% | YoY: -26.80%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q3 2026 31,645.54 0.74 -11.8% View
Q2 2026 32.63 0.71 -99.9% View
Q1 2026 32,318.62 0.91 +83.0% View
Q4 2025 31,295.08 -0.05 +83.0% View
Q3 2025 35,878.64 0.64 +98.0% View