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Upturn AI SWOT - About
HRZN 
Horizon Technology Finance (HRZN)
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Upturn Advisory Summary
10/28/2025: HRZN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $6.62
1 Year Target Price $6.62
| 0 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.43% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 258.25M USD | Price to earnings Ratio - | 1Y Target Price 6.62 |
Price to earnings Ratio - | 1Y Target Price 6.62 | ||
Volume (30-day avg) 8 | Beta 0.99 | 52 Weeks Range 5.71 - 8.87 | Updated Date 10/27/2025 |
52 Weeks Range 5.71 - 8.87 | Updated Date 10/27/2025 | ||
Dividends yield (FY) 22.11% | Basic EPS (TTM) -1.21 |
Earnings Date
Report Date 2025-10-29 | When - | Estimate 0.2748 | Actual - |
Profitability
Profit Margin -48.76% | Operating Margin (TTM) 81.66% |
Management Effectiveness
Return on Assets (TTM) 6.52% | Return on Equity (TTM) -15.47% |
Valuation
Trailing PE - | Forward PE 5.62 | Enterprise Value 658726528 | Price to Sales(TTM) 2.66 |
Enterprise Value 658726528 | Price to Sales(TTM) 2.66 | ||
Enterprise Value to Revenue 11.11 | Enterprise Value to EBITDA 13.46 | Shares Outstanding 42545719 | Shares Floating - |
Shares Outstanding 42545719 | Shares Floating - | ||
Percent Insiders 1.26 | Percent Institutions 7.02 |
Upturn AI SWOT
Horizon Technology Finance
Company Overview
History and Background
Horizon Technology Finance Corporation was founded in 2004 and began operations in 2008. It is a specialty finance company that provides capital in the form of debt and venture lending to venture capital-backed companies in the technology, life science, healthcare information and services, and cleantech industries. Since inception, it has significantly scaled its investment portfolio and market presence.
Core Business Areas
- Venture Lending: Providing secured loans to venture capital-backed companies in technology and life sciences, including term loans, and revolving lines of credit.
Leadership and Structure
Horizon Technology Finance is led by Chief Executive Officer, Robert Pomeroy. The company operates with a hierarchical structure, including executive management, investment teams, and support staff.
Top Products and Market Share
Key Offerings
- Revolving Lines of Credit: Revolving lines of credit offer borrowers the flexibility to draw down and repay funds as needed, providing working capital for operational needs. Competitors include other BDCs and venture debt funds.
- Term Loans: Term loans represent the core product offering, providing capital for growth, acquisitions, or other strategic initiatives. Horizon's target client businesses can't usually acquire traditional bank loans or access capital markets. Competitors include other BDCs and venture debt funds.
Market Dynamics
Industry Overview
The venture debt market serves as a bridge for companies between venture capital and traditional debt financing. The industry's performance is influenced by venture capital funding activity, interest rate environment, and overall economic conditions.
Positioning
Horizon Technology Finance positions itself as a reliable capital provider for venture-backed companies in high-growth sectors. It differentiates itself by offering specialized lending expertise and a focus on technology and life sciences. The total addressable market is dependent on the flow of VC investments in technology and life sciences.
Total Addressable Market (TAM)
The TAM is estimated to be large, dependent on the total venture capital invested in technology and life science companies. Horizon is well-positioned to capture a portion of this market through its specialized lending services. Precise market value numbers depend on yearly VC investment flows.
Upturn SWOT Analysis
Strengths
- Specialized industry knowledge in technology and life sciences
- Experienced management team
- Strong relationships with venture capital firms
- Established track record in venture lending
Weaknesses
- High risk associated with lending to early-stage companies
- Reliance on venture capital funding activity
- Sensitivity to interest rate fluctuations
- Small market capitalization compared to larger financial institutions.
Opportunities
- Increasing demand for venture debt financing
- Expansion into new technology and life science sub-sectors
- Strategic partnerships with venture capital firms
- Growth in the venture capital ecosystem.
Threats
- Economic downturn and decreased venture capital funding
- Increased competition from other lenders
- Regulatory changes impacting lending practices
- Defaults from portfolio companies.
Competitors and Market Share
Key Competitors
- TPVG
- MAIN
- ARCC
- SLRC
Competitive Landscape
Horizon Technology Finance faces competition from other BDCs and venture debt funds. Its competitive advantages include industry expertise, strong relationships, and established track record.
Growth Trajectory and Initiatives
Historical Growth: Horizon Technology Finance's growth can be traced through increases in its investment portfolio, revenue, and net income over the past years.
Future Projections: Future growth projections are often provided by analysts covering Horizon Technology Finance.
Recent Initiatives: Horizon Technology Finance undertakes strategic initiatives, such as expanding its investment portfolio, forming strategic alliances, and adapting to changing market conditions.
Summary
Horizon Technology Finance is a niche player in the venture debt space. It is focused on technology and life sciences companies and benefits from those industries success. HRZN faces risks inherent to lending to early-stage companies and has to keep an eye on the venture capital ecosystem. Strategic alliances will help it to grow its investment portfolio.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings, Investor Presentations, Analyst Reports
- Yahoo Finance
- Bloomberg
Disclaimers:
This analysis is for informational purposes only and should not be considered as financial advice. Market conditions and company performance can change over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Horizon Technology Finance
Exchange NASDAQ | Headquaters Farmington, CT, United States | ||
IPO Launch date 2010-10-29 | CEO & Director Mr. Michael Phillip Balkin | ||
Sector Financial Services | Industry Asset Management | Full time employees - | |
Full time employees - | |||
Horizon Technology Finance Corporation is a business development company specializing in lending and and investing in development-stage investments. It focuses on making secured debt and venture lending investments to venture capital backed companies in the technology, life science, healthcare information and services, cleantech and sustainability industries. It seeks to invest in companies in the United States.
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