SAVHIGH SIGNALFINANCIAL10-K

SAV's cash position collapsed from $148.2M to $1.7M while the company consolidated its portfolio from 55 to 48 investments and increased share count substantially.

The dramatic depletion of cash reserves represents a fundamental shift in the company's liquidity position, potentially constraining future investment flexibility and dividend sustainability despite current income growth. The portfolio consolidation and reduced investment in CLO structures suggests a strategic repositioning, though the timing coincides with concerning cash management issues.

Comparing 2025-05-07 vs 2024-05-06View on EDGAR →
FINANCIAL ANALYSIS

SAV experienced a stark deterioration in cash position, falling from $148.2M to just $1.7M, while net income grew meaningfully to $36.6M and dividend payments increased to $52.4M. The company dramatically reduced share buyback activity from $2.2M to $54K while expanding the share count from 13.7M to 15.4M shares outstanding. This financial profile suggests potential liquidity constraints despite improved earnings performance, with the company prioritizing dividend payments over cash preservation.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-98.9%
$148.2M$1.7M

Cash declined 98.9% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Share Buybacks
Cash Flow
-97.5%
$2.2M$54K

Buyback activity reduced 97.5% — capital being redeployed elsewhere or cash conservation underway.

Net Income
P&L
+30.3%
$28.1M$36.6M

Net income grew 30.3% — bottom-line growth signals improving overall business health.

Dividends Paid
Cash Flow
+28.5%
$40.7M$52.4M

Dividend payments increased 28.5% — management confidence in sustained cash generation.

LANGUAGE CHANGES
NEW — 2025-05-07
PRIOR — 2024-05-06
ADDED
The number of outstanding common shares of the registrant as of May 6, 2025 was 15,364,864 .
As of February 28, 2025, we had total assets of $1,191.5 million and investments in 48 portfolio companies, excluding an investment in the subordinated notes of one collateralized loan obligation fund, Saratoga Investment Corp.
( Saratoga CLO ), which had a fair value of $0.2 million as of February 28, 2025, investment in the Class F-2-R-3 Note of Saratoga CLO which as of February 28, 2025 had a fair value of $2.3 million, investment in the Class E Note of Saratoga Investment Corp.
Senior Loan Fund 2022-1, Ltd which as of February 28, 2025 has affair value of $12.3 million and investments in the Saratoga Senior Loan Fund I JV LLC ( SLF JV ) and its subsidiaries, a joint venture which as of February 28, 2025 had a fair value of $19.6 million.
The overall portfolio composition as of February 28, 2025 consisted of 88.7% of first lien term loans, 0.7% of second lien term loans, 1.7% of unsecured loans, 1.5% of structured finance securities and 7.4% of equity interests.
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REMOVED
The number of outstanding com mon shares of the registrant as of May 3, 2024 was 13,698,966 .
As of February 29, 2024, we had total assets of $1,191.2 million and investments in 55 portfolio companies, excluding an investment in the subordinated notes of one collateralized loan obligation fund, Saratoga Investment Corp.
( Saratoga CLO ), which had a fair value of $9.5 million as of February 29, 2024, investments in the Class F-2-R-3 Note of the Saratoga CLO which as of February 29, 2024 had a fair value of $8.9 million, and investments in the Saratoga Senior Loan Fund I JV LLC ( SLF JV ) and its subsidiaries, a joint venture which as of February 29, 2024 had a fair value of $25.2 million.
The overall portfolio composition as of February 29, 2024 consisted of 85.7% of first lien term loans, 1.6% of second lien term loans, 1.4% of unsecured loans, 2.7% of structured finance securities and 8.6% of equity interests.
As of February 29, 2024, the weighted average yield on all of our investments, including our investment in the subordinated notes of Saratoga CLO and Class F-2-R-3 Note was approximately 11.4%.
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