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Saratoga Investment Corp (SAR) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell SAR stock right now?

Saratoga Investment Corp (SAR) currently earns a Roarable Rating of D+ (Sell — SELL) with 52/100 RQD Confidence. Stretched risk/reward at 6x P/E (9% return on capital) under elevated 10-year interest-rate pressure.

Q: What is SAR's 12-month price target and RQD AI Jury consensus?

SAR's 12-month base price target is $13.56 (range $10.58 to $25.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$13.94 +2.65% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.98

Saratoga Investment Corp (SAR) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $216.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $13.98 (+0.29%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SAR)Realized 20D OHLCV Swing Band: ±8%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY SAR SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (29% of score)

FRED Regime × Technicals: 7% of 52W Range • RSI-14 at 30.9 (OVERSOLD (<32))

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (23% of score)

20D Institutional Volume Accumulation (±8% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$15.03+1.9% Next Q

Q2 (-2Q)

Grade C$15.32-11.4% Next Q

Q3 (-1Q)

Grade C$13.57+2.7% Next Q

Current

Grade D+$13.94-1.1% Hist 90D α

Trajectory: C (60) → D+ (52)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a SAR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While SAR currently carries a cautious 52/100 (D+) rating due to Cash Engine Quality (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.40) and Max Pain ($14.64) forces dealer call-delta covering toward $25.27.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SAR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SAR Beats Next Quarter EPS Consensus (Nov 28, 2026) & Holds Above 200D SMA”

YES 52%NO 48%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERSOLD (<32)

30.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

2 / 99-Pt Accounting

52-WEEK LASER RANGE7% OF RANGE

L: $13$13.94H: $24

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 5 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on SAR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (25)

8.9% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

22/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like SAR

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SAR)

✓Walkthrough of SAR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SAR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -40.17%▼ DESCENDING CHANNEL

2026-10-30O $14.00H $14.00L $13.55C $13.94VOL 100.6K

RES: $15.82SUP: $11.98SMA50: $16.40SMA200: $20.53

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SAR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SAR Butterfly Map → + Track SAR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-11.1%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SAR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SAR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SAR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SAR)

Financials Rank #771 of 1096 ⚔️ ETX vs SAR Full Matrix →

1. Head-to-Head Financials Peer Comparison (SAR vs. ETX, WHG, PAAC, ARDC)

Industry: Investment Managers (79 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Saratoga Investment Corp (SAR) ranks #771 by composite RQD confidence (52/100, grade D+) and #874 by equity capitalization ($216.9M). Within this direct 5-issuer industry benchmark cohort, SAR leads on earnings valuation at 5.9x trailing P/E, while SAR leads on capital efficiency and profitability with 8.9% ROIC and — gross margin. WHG currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with SAR at 52/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SAR ACTIVE Saratoga Investment Corp	D+	52/100	5.9x	—	8.9%	+2.65%	$216.9M	Benchmark Subject
ETX Eaton Vance Municipal Income 2028 Term Trust of	D	51/100	—	—	—	+0.58%	$190.2M	/etx-vs-sar →
WHG Westwood Holdings Group Inc	C	62/100	25.5x	—	4.0%	+0.48%	$180.7M	/whg-vs-sar →
PAAC Proem Acquisition Corp I	D	49/100	—	—	—	0.00%	$177.3M	/paac-vs-sar →
ARDC Ares Dynamic Credit Allocation Fund Inc.	C-	59/100	—	—	—	+1.04%	$267.4M	/ardc-vs-sar →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-02-28 • CIK 0001377936

In its most recent audited fiscal period (FY2025, filed 2026-02-28), Saratoga Investment Corp (SAR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $36.6M, operating cash flow of -$88.0M, and free cash flow of -$88.0M (-144.6% YoY). On the balance sheet, SAR closed FY2025 with $1.20B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-02-28	$0	$36.6M	-$88.0M	-$88.0M	$1.20B	—
FY2024 (FY)	2025-02-28	$0	$28.1M	$197.5M	$197.5M	$1.22B	—
FY2023 (FY)	2024-02-29	$0	$8.9M	-$157.2M	-$157.2M	—	—

3. SAR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SAR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Saratoga Investment Corp (NYSE: SAR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $13.94 (+2.65% 1D, market cap $216.9M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, SAR ranks #771 in composite RQD confidence.

How does SAR compare to ETX and WHG in the Financials sector?

Within the Financials sector (Investment Managers), SAR carries a Roarable D+ (52/100 RQD), trailing P/E of 5.9x, gross margin of —, and ROIC of 8.9%. By comparison, ETX (Eaton Vance Municipal Income 2028 Term Trust of) holds a D grade (51/100 RQD, P/E N/A, ROIC —, cap $190.2M) and WHG (Westwood Holdings Group Inc) posts a C grade (62/100 RQD, P/E 25.5x, ROIC 4.0%, cap $180.7M). Among the 5-stock peer group, SAR leads on earnings multiple (5.9x) while SAR leads on capital efficiency (8.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SAR?

Per SAR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-02-28, CIK 0001377936), Saratoga Investment Corp generated $0 in revenue, $36.6M in net income, and -$88.0M in free cash flow against $1.20B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SAR trading relative to its 50-day, 200-day, and 52-week technical levels?

SAR last traded at $13.94 (+2.65% on volume of 56,435 shares), positioning the stock -15.00% below its 50-day simple moving average ($16.40) and -32.10% below its 200-day simple moving average ($20.53). Across its 52-week range of $13.23 to $24.07, SAR sits at the 6.5% percentile with a 14-day RSI of 30.9 (OVERSOLD (<32)) and an implied next-earnings move of ±8.0% ($12.82 to $15.06).

SAR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SAR stock right now?

Saratoga Investment Corp (SAR) currently earns a Roarable Rating of D+ (Sell — SELL) with 52/100 RQD Confidence. Stretched risk/reward at 6x P/E (9% return on capital) under elevated 10-year interest-rate pressure.

What is SAR's 12-month price target and RQD AI Jury consensus?

SAR's 12-month base price target is $13.56 (range $10.58 to $25.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SAR RQD Cockpit SAR 12M Forecast SAR Earnings & Move SAR Dividends & DRIP SAR Insiders & 13F SAR Whale Options SAR Profit Sankey SAR News & Why