Oversold

SAR

Valuation10/ 100
Cash flow & growth56/ 100
Upside potential21/ 100
Risk potential37/ 100

SAR's valuation is expensive, fundamentals are somewhat mixed and weaker than expected earnings are holding it back.

Score change since last week

The score rose 1 point, mainly due to valuation and price changes. Price fell 3.3%, from $18.24 to $17.64. Reported EPS was unchanged, so the lower price improved valuation support.

The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 17.6× versus the full-history median of 8.5× shown in the valuation table, producing 13.7/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 10.3/100. The model applies a -7.9% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 9.3× (18-month half-life). The favorable scenario uses 16.1× PE and $1 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +0.1%, earnings -59.6%, operating margin +7.5 percentage points. The business score is 55.8/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

The earnings calculation and the displayed scenario are different.

The earnings case uses $1.01 of EPS and a 16.1× PE, suggesting about $16.26 before the minimum is applied. Valuation history and outlook inform the PE.

The model applies a 15% minimum upside scenario, so the card shows +15%, or about $20.29. That adjusted price does not come from the EPS × PE calculation above.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $0.74 of EPS and a 14.9× PE, suggesting a share price of about $11.04 — 37% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

SAR vs Historical averages

MetricCurrentAverageRelative
PE18x8.3x112% higher
PE percentile955091% higher
EPS$1.00$2.4559% lower
FCF-$146.3M-$61.7M-$84.6M
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SAR’s earnings are below their historical averages, while its earnings multiple is higher.

SAR Forward outlook

MetricOutlook
Forward valuationDeteriorating
Forward earningsDecline
Forward revenueStrong growth
Forward profitabilityStrongly contracting
Analyst coverageModerate
Estimate dispersionModerate

SAR’s outlook is mixed, with weaker expected earnings weighing on the picture.

SAR PE Valuation

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This table applies SAR's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

SAR Earnings Per Share

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This chart tracks SAR's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

SAR Quarterly Revenue

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This chart tracks SAR's quarterly revenue over time and shows how sales are changing from year to year.

SAR Free Cash Flow

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This chart tracks SAR's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

SAR Total Shares

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This chart tracks changes in SAR's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

SAR Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

SAR PE vs Financial Services Sector

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This chart compares SAR's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

SAR Weekly Price

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This chart uses SAR's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

SAR Weekly Moving Averages

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This chart compares SAR's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

SAR Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.