Stocks · Financial Services · Asset Management
Stellus Capital Investment Corporation SCM
$7.41 -0.80% Close, Oct 2, 2026 · NYSE · Market cap $214.5M
High qualityWeak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 7.2× trailing earnings, lower than 90% of the company's own readings over the past five years.
- Net debt is 15.0× EBITDA, a high level of leverage.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 35%
- EPS growth (TTM, YoY)Bottom 18%
- Revenue growth, 3-year CAGRBottom 46%
- Revenue growth accelerationBottom 41%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 34%
- Gross marginBottom 37%
- Operating marginTop 7%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 1%
- Net debt / EBITDA (lower is better)Bottom 8%
- Interest coverTop 45%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 7%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueBottom 40%
- Sales / enterprise valueBottom 10%
- P/E vs own 5-year history (lower is better)Top 11%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 7%
- 6-month returnBottom 5%
- 1-year return vs S&P 500Bottom 6%
- Distance from 52-week highBottom 8%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 35%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 46%
- Upside to consensus price targetTop 6%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 16%
- Maximum drawdown, 3 yearsBottom 14%
- Beta vs S&P 500 (lower is better)Bottom 30%
- Net debt / EBITDA (lower is better)Bottom 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.2% | 3.0% | ↓ |
| EPS growth (YoY) | -41.7% | -28.2% | ↑ |
| Gross margin | 57.8% | 59.9% | ↑ |
| Operating margin | 53.2% | 49.9% | ↓ |
| FCF margin | -43.1% | 70665912.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.0% | 4.2% | ↓ | Bottom 35% |
| EPS growth (TTM, YoY) | -28.2% | -41.7% | ↑ | Bottom 18% |
| Gross margin | 59.9% | 57.8% | ↑ | Bottom 37% |
| Operating margin | 49.9% | 53.2% | ↓ | Top 7% |
| Net margin | 37.4% | 50.9% | ↓ | — |
| Free-cash-flow margin | 70665912.3% | -43.1% | ↑ | — |
| Return on invested capital | 4.0% | — | Top 34% | |
| Revenue growth, 3-year CAGR | 13.8% | — | Bottom 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5719703.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +27.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 14.98×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 15.55%
- Net buyback yield (TTM)
- 1170960.60%
- Shareholder yield
- 1170976.15%
- Share count change, 1 year
- +1.6%
- Share count change, 3-year CAGR
- +10.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- +1.7%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $13.25
- Target vs current price
- +78.8%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | +0.0% | +0.7% | +4.4% | +4.4% | — |
| May 11, 2026 | +0.0% | -2.9% | -7.0% | -10.2% | -17.1% |
| Mar 11, 2026 | -6.5% | -1.1% | -4.6% | -1.4% | -6.6% |
| Nov 10, 2025 | +13.3% | -0.7% | +2.0% | +7.4% | -1.4% |
| Aug 6, 2025 | +0.0% | +0.4% | +5.4% | +4.0% | -13.6% |
| May 12, 2025 | +0.0% | +0.2% | +2.6% | +3.0% | +6.9% |
| Mar 4, 2025 | -9.8% | -2.5% | -10.3% | -9.7% | -13.7% |
| Nov 8, 2024 | -13.0% | -0.8% | -0.5% | +0.1% | +4.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.26 | $0.26 | +0.0% | $22.3M |
| May 11, 2026 | $0.27 | $0.27 | +0.0% | $23.3M |
| Mar 11, 2026 | $0.29 | $0.31 | -6.5% | $25.2M |
| Nov 10, 2025 | $0.34 | $0.30 | +13.3% | $17.4M |
| Aug 6, 2025 | $0.35 | $0.35 | +0.0% | $24.8M |
| May 12, 2025 | $0.37 | $0.37 | +0.0% | $25.0M |
| Mar 4, 2025 | $0.37 | $0.41 | -9.8% | $44.0M |
| Nov 8, 2024 | $0.40 | $0.46 | -13.0% | $26.50T |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.2× | 10.0× | 10th | Top 7% |
| P/E (forward) | 7.1× | — | — | — |
| EV / EBITDA | 20.4× | — | — | Bottom 40% |
| EV / Sales | 10.17× | — | — | Bottom 10% |
| Free-cash-flow yield | 26188754.26% | — | — | Top 1% |
| Earnings yield | 13.86% | — | — | Top 7% |
P/E over the past five years
Range 6.8× – 26.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -42.8%
- Earnings per share growth (TTM)
- -28.2%
- Change in P/E multiple
- -16.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.7%
- 200-day average slope (20 days)
- -4.3%
- Distance from 50-day average
- -9.1%
- Distance from 200-day average
- -22.9%
- RSI (14)
- 31.3
- Relative volume
- 0.78×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 39.6%
- Volatility vs own 5-year history
- 97th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.87
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -44.9%
- Maximum drawdown, 3 years
- -54.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 24, 2023 | Jul 24, 2026 | -56.1% | 855 days | Not yet recovered |
| Nov 9, 2021 | Jun 30, 2022 | -24.0% | 160 days | 144 days (Jan 26, 2023) |
| Dec 11, 2020 | Jan 11, 2021 | -15.7% | 19 days | 38 days (Mar 8, 2021) |
| Oct 8, 2020 | Oct 28, 2020 | -10.6% | 14 days | 8 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $214.5M
- P/E (TTM)
- 7.2
- EPS, diluted (TTM)
- $1.03
- Revenue (TTM)
- $79.5M
- Dividend yield
- 17.94%
- 52-week range
- $6.83 – $13.55
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $61.4M | $45.4M | $53.2M | $82.7M | $67.0M |
| Gross profit | $42.7M | $20.9M | $21.2M | $51.2M | $32.0M |
| Operating income | $37.1M | $15.9M | $16.0M | $47.5M | $28.6M |
| Net income | $33.6M | $14.5M | $17.5M | $45.8M | $27.0M |
| EPS (diluted) | $1.72 | $0.74 | $0.80 | $1.79 | $0.95 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.2M | $18.2M | $14.0M | $19.8M | $17.4M | $15.7M | $24.0M | $22.3M |
| Net income | $15.5M | $8.7M | $5.0M | $10.1M | $6.7M | $5.2M | $1.7M | $16.2M |
| EPS (diluted) | $0.59 | $0.30 | $0.18 | $0.36 | $0.23 | $0.18 | $0.06 | $0.56 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$76.1M | -$56.3M | -$17.3M | -$28.6M | -$24.4M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | -$76.1M | -$56.3M | -$17.3M | -$28.6M | -$24.4M |
| Dividends paid | -$21.0M | -$26.6M | -$35.5M | -$37.6M | -$45.3M |
| Net share buybacks | $449,515 | $2.2M | $63.3M | $46.5M | $20.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $5.1M
- Total assets
- $982.1M
- Total liabilities
- $615.2M
- Total debt
- $599.4M
- Net debt
- $594.3M
- Shareholders’ equity
- $367.0M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.08 | Oct 15, 2026 |
| Aug 31, 2026 | $0.08 | Sep 15, 2026 |
| Jul 31, 2026 | $0.08 | Aug 14, 2026 |
| Jun 30, 2026 | $0.11 | Jul 15, 2026 |
| May 29, 2026 | $0.11 | Jun 15, 2026 |
| Apr 30, 2026 | $0.11 | May 15, 2026 |
| Mar 31, 2026 | $0.11 | Apr 15, 2026 |
| Feb 27, 2026 | $0.11 | Mar 13, 2026 |
Short interest
- Shares sold short
- 696,410
- Days to cover
- 3.70
- Change vs previous report
- -13.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 13, 2014
- 10,043-for-10,000