Stellus Capital Investment Corp (SCM) stock analysis
Close on Nov 11, 2026Market cap $192.24MP/E –Yield 23.70%
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed10 of 30 checks passed
Stellus Capital Investment passes 10 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 0/6
- Past performance
- 2/6
- Financial health
- 4/6
- Dividend
- 3/6
What stands out
No debt
Stellus Capital Investment has no borrowings on its latest balance sheet.
Earnings grew over 5 years
Net income grew 6.0% a year on average over the last five fiscal years.
Interest well covered
No meaningful interest expense to cover.
Debt covered by cash flow
There is no debt to cover.
What to watch
Return on equity under 15%
Return on equity was 4.6% over the last twelve months and averaged 8.7% over five years; we look for 15% on both.
EPS growing under 10% a year
Diluted EPS grew 8.7% a year over the last three fiscal years.
Earnings growth not accelerating
Net income grew -45.3% over the last twelve months, against a 5-year average of 6.0% a year.
Elevated bankruptcy risk
The Altman Z-score is 0.12; above 3 is the safe zone and below 1.8 the distress zone.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA against its history
Needs positive EBITDA and price history.
P/B below the industry
Stellus Capital Investment's price-to-book of 0.55 is below the US market median of 1.92.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growing under 10% a year
Diluted EPS grew 8.7% a year over the last three fiscal years.
Earnings growth not accelerating
Net income grew -45.3% over the last twelve months, against a 5-year average of 6.0% a year.
Growth against the industry
Needs revenue for this year and last.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
This company does not report gross profit.
Past performance2/6
Return on equity under 15%
Return on equity was 4.6% over the last twelve months and averaged 8.7% over five years; we look for 15% on both.
Return on invested capital
Needs operating income and invested capital.
Return on equity above the industry
Stellus Capital Investment's return on equity of 4.6% is above the US market median of 3.5%.
Earnings grew over 5 years
Net income grew 6.0% a year on average over the last five fiscal years.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health4/6
No debt
Stellus Capital Investment has no borrowings on its latest balance sheet.
Debt not rising
With no debt today, leverage cannot have risen.
Debt covered by cash flow
There is no debt to cover.
Interest well covered
No meaningful interest expense to cover.
Short-term liquidity
The balance sheet is not split into current and non-current items.
Elevated bankruptcy risk
The Altman Z-score is 0.12; above 3 is the safe zone and below 1.8 the distress zone.
Dividend3/6
Pays a dividend
Stellus Capital Investment paid dividends worth 17.7% of the share price over the last twelve months.
Yield above Treasuries
The 17.7% yield is above the 4.4% on a 1-year Treasury.
Yield in the top quarter
The top quarter of US dividend payers yield 3.8% or more; Stellus Capital Investment yields 17.7%.
Dividend was cut
The dividend per share fell by more than 10% at least once in the last 10 fiscal years.
Not covered by earnings
Dividends take 238% of net income, leaving little room.
Cash-flow cover
Needs dividends paid and free cash flow.
Fair value
How we estimate itWe don't publish a fair value for Stellus Capital Investment. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 8.7
- US market median 19.5
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $996.44K
- Value traded per 1% price move
- $742.12K
Downside
Medium risk
- Typical loss in a bad month
- 21.3%
- Volatility (annualized)
- 32%
- Sharpe ratio, 1 year
- -1.44
- Beta to the S&P 500 (5Y)
- 0.56
Typical bad-month loss, week by week
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Net income | -41.0% | +23.1% | +6.0% | – | |
| EPS, diluted | -46.9% | +8.7% | -1.8% | – | |
| Dividend per share | 0.0% | +7.2% | +6.8% | +1.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 7.3% | |
| Return on assets | – | – | 2.7% | |
| Diluted shares | 15M | 19M | 28M |
Cash use needs five years of cash flow figures
Stellus Capital Investment does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$27.05M
- Cash generatingOperating cash flow above zero-$24.45M
- Return on assets improvedROA up on the prior year5.0% → 2.8%
- Earnings backed by cashOperating cash flow above net income-$24.45M vs $27.05M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise26M → 28M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –
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