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WhiteHorse Finance, Inc. vs SARATOGA INVESTMENT CORP. — Side-by-side quantitative comparison
Based on our 6-factor quantitative model, SARATOGA INVESTMENT CORP. (SAR) is the stronger stock with a composite score of 55.3/100 and a Hold rating, compared to WhiteHorse Finance, Inc. (WHF) at 35.3/100 (Avoid). SAR ranks #1225 in our universe versus #4081 for WHF, giving it an edge of 20.0 points across quality, value, momentum, investment, stability, and short interest factors.
For the Quality factor — which measures profitability and business quality through metrics like ROE, gross margins, and capital efficiency — WHF leads at 35/100, while SAR trails at 30/100 (WHF: 35/100, SAR: 30/100). The 5-point gap indicates a meaningful difference in quality characteristics between these stocks.
For the Value factor — which evaluates whether a stock is cheap or expensive relative to its earnings, book value, and cash flows — SAR leads at 69/100, while WHF trails at 53/100 (SAR: 69/100, WHF: 53/100). The 16-point gap indicates a meaningful difference in value characteristics between these stocks.
For the Momentum factor — which captures price trends and institutional sentiment over the trailing 3-12 months — SAR leads at 85/100, while WHF trails at 21/100 (SAR: 85/100, WHF: 21/100). The 65-point gap indicates a meaningful difference in momentum characteristics between these stocks.
On the Investment factor, which assesses capital allocation quality including reinvestment rates and asset growth, these stocks are closely matched (WHF: 31/100, SAR: 28/100). The narrow 3-point spread suggests similar investment profiles, so this factor alone is unlikely to be a decisive differentiator.
For the Stability factor — which measures financial health through leverage ratios and price volatility — SAR leads at 78/100, while WHF trails at 46/100 (SAR: 78/100, WHF: 46/100). The 32-point gap indicates a meaningful difference in stability characteristics between these stocks.
For the Short Interest factor — which tracks institutional bearish positioning and potential risk from elevated short selling — SAR leads at 32/100, while WHF trails at 22/100 (SAR: 32/100, WHF: 22/100). The 10-point gap indicates a meaningful difference in short interest characteristics between these stocks.
Based on our 6-factor model, SARATOGA INVESTMENT CORP. (SAR) is utilizing a stronger overall profile than WHF, with a Composite Score of 55 vs 35. SAR holds a moderate edge, particularly in Momentum and Stability, though both stocks have merits.
| Overall Rating | ||
| Composite Score | 55 | 35 |
| Rank | #1,225 | #4,081 |
| Stars | 3 / 5 | 1 / 5 |
| Action | Hold | Avoid |
| Factor Scores | ||
| Quality | 30 | 35 |
| Value | 69 | 53 |
| Momentum | 85 | 21 |
| Stability | 78 | 46 |
| Investment | 28 | 31 |
| Short Interest | 32 | 22 |
| Valuation | ||
| P/E Ratio | 1.37 | — |
| P/B Ratio | 0.88 | 0.60 |
| P/S Ratio | 2.50 | 3.36 |
| EV/EBITDA | 2.32 | 3.66 |
| Dividend Yield | 17.0% | 25.9% |
| Profitability | ||
| ROE | 43.6% | 7.0% |
| ROA | 22.2% | -0.4% |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 182.5% | -4.7% |
| Growth & Risk | ||
| Revenue Growth | -10.7% | -24.4% |
| Debt/Equity | 263.00 | 122.00 |
| Beta | 0.61 | 0.43 |
| Market | ||
| Market Cap | $362M | $160M |
Based on our 6-factor quantitative model, SAR currently has the higher composite score (55.3/100, Hold) and ranks #1225 in our universe. However, the "better" stock depends on your investment goals, risk tolerance, and time horizon. We recommend reviewing the full factor breakdown above before making a decision.
Our comparison analyzes six quantitative factors: Quality (profitability and business strength, 30% weight), Momentum (price trends, 25%), Value (valuation attractiveness, 15%), Investment (capital allocation, 10%), Stability (financial health, 10%), and Short Interest (institutional positioning, 10%). Each factor is scored 0-100 and combined into a composite score.
SAR has the higher value score at 69/100 compared to WHF at 53/100. A higher value score indicates the stock trades at a more attractive valuation relative to its earnings, book value, and cash flows.
Our stock rankings and comparisons are updated daily using the latest available market data, financial statements, and price information. Factor scores reflect the most recent quarterly filings and trailing price data.