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Upturn AI SWOT - About
PTMN 
Portman Ridge Finance Corp (PTMN)
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Upturn Advisory Summary
09/16/2025: PTMN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15
1 Year Target Price $15
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.81% | Avg. Invested days 39 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 161.86M USD | Price to earnings Ratio - | 1Y Target Price 15 |
Price to earnings Ratio - | 1Y Target Price 15 | ||
Volume (30-day avg) 4 | Beta 0.53 | 52 Weeks Range 10.74 - 16.25 | Updated Date 09/15/2025 |
52 Weeks Range 10.74 - 16.25 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 18.10% | Basic EPS (TTM) -0.94 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -15.92% | Operating Margin (TTM) 69.57% |
Management Effectiveness
Return on Assets (TTM) 5.24% | Return on Equity (TTM) -4.79% |
Valuation
Trailing PE - | Forward PE 6.29 | Enterprise Value 401138912 | Price to Sales(TTM) 2.98 |
Enterprise Value 401138912 | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 33.92 | Enterprise Value to EBITDA - | Shares Outstanding 13186800 | Shares Floating - |
Shares Outstanding 13186800 | Shares Floating - | ||
Percent Insiders 1.53 | Percent Institutions 11.58 |
Upturn AI SWOT
Portman Ridge Finance Corp
Company Overview
History and Background
Portman Ridge Finance Corporation, formerly known as KCAP Financial, Inc., is a publicly traded business development company (BDC) founded in 2006. It primarily focuses on providing customized debt and equity financing solutions to middle-market companies. Over time, it has undergone strategic shifts in investment focus and management.
Core Business Areas
- Direct Lending: Origination and investment in senior secured term loans, mezzanine debt, and other debt securities of middle-market companies.
- Equity Investments: Making strategic equity investments in portfolio companies, often alongside debt financing.
Leadership and Structure
The leadership team comprises experienced investment professionals with expertise in direct lending and private equity. The company is governed by a board of directors responsible for oversight and strategic direction.
Top Products and Market Share
Key Offerings
- Competitors: ARCC,MAIN
- Senior Secured Loans: Senior secured loans represent a significant portion of Portman Ridge's investment portfolio. These loans offer higher security due to their priority claim on assets. Market share data specific to Portman Ridge for senior secured loans is difficult to ascertain precisely. Competitors include Ares Capital (ARCC) and Main Street Capital (MAIN). Revenue generated from Senior Secured Loans is not disaggregated publicly.
- Competitors: ORCC
- Subordinated Debt: Portman Ridge also invests in subordinated or mezzanine debt, which offers higher yields but also carries higher risk. Market share data is not specifically available, competitors include Owl Rock Capital Corporation (ORCC). Revenue generated from Subordinated Debt is not disaggregated publicly.
- Competitors:
- Equity Investments: Equity investments in middle-market companies provide potential upside but are inherently riskier. Market share data is unavailable, competitors include private equity firms and other BDCs. Revenue generated from Equity Investments is not disaggregated publicly.
Market Dynamics
Industry Overview
The BDC industry is characterized by providing financing to small and medium-sized enterprises that may have limited access to traditional capital markets. Factors such as interest rate movements, regulatory changes, and economic conditions significantly impact the industry.
Positioning
Portman Ridge positions itself as a provider of flexible and customized financing solutions to middle-market companies. Its competitive advantages include its experienced investment team and its focus on building long-term relationships with portfolio companies.
Total Addressable Market (TAM)
The TAM for middle-market lending is estimated to be in the hundreds of billions of dollars. Portman Ridge occupies a small portion of this TAM and continues to look for growth opportunities to expand its reach.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Focus on customized financing solutions
- Diversified investment portfolio
- Strong relationships with portfolio companies
Weaknesses
- Relatively small asset base compared to larger BDCs
- Exposure to credit risk in portfolio companies
- Reliance on external financing
Opportunities
- Expanding investment portfolio through strategic acquisitions
- Increasing market share in middle-market lending
- Capitalizing on favorable interest rate environment
- Further diversification in financing offerings.
Threats
- Economic downturn impacting portfolio companies
- Increased competition from other BDCs and alternative lenders
- Rising interest rates increasing borrowing costs
- Regulatory changes affecting BDCs
Competitors and Market Share
Key Competitors
- ARCC
- MAIN
- ORCC
- GSL
Competitive Landscape
Portman Ridge's relatively smaller size compared to larger BDCs like Ares Capital can be a disadvantage in terms of access to capital and economies of scale. However, its focus on customized financing and building relationships can be a differentiator.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be derived from reviewing the company's financial statements and comparing across multiple periods.
Future Projections: Future growth projections are based on analyst estimates which would need to be accessed via a financial data terminal.
Recent Initiatives: Recent strategic initiatives must be identified from press releases and investor presentations.
Summary
Portman Ridge Finance Corporation is a business development company focusing on providing financing to middle-market companies. While it possesses strengths like an experienced management team and customized solutions, it faces challenges related to its relatively smaller size and exposure to credit risk. Opportunities exist for expanding its investment portfolio and increasing market share. Threats include economic downturns and increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Press Releases
- Investor Presentations
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
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 Portman Ridge Finance Corp
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2006-12-12 | Chairman, CEO & President Mr. Edward Joseph Goldthorpe | ||
Sector Financial Services | Industry Asset Management | Full time employees - | Website https://www.portmanridge.com |
Full time employees - | Website https://www.portmanridge.com | ||
BCP Investment Corp. is a business development company specializing in investments in unitranche loans (including last out), first lien loans, second lien loans, subordinated debt, equity co-investment, mezzanine, buyout in middle market companies. It also makes acquisitions in businesses complementary to the firm's business. The fund primarily invests in healthcare, cargo transport, manufacturing, industrial & environmental services, logistics & distribution, media & telecommunications, real estate, education, automotive, agriculture, aerospace/defense, packaging, electronics, finance, non-durable consumer, consumer products, business services, utilities, insurance, and food and beverage sectors. The fund typically invests $1 million to $20 million in its portfolio companies. The fund provides senior secured term loans from $2 million to $20 million maturing in five to seven years; second lien term loans from $5 million to $15 million maturing in six to eight years; senior unsecured loans $5 million to $23 million maturing in six to eight years; mezzanine loans from $5 million to $15 million maturing in seven to ten years; and equity investments from $1 to $5 million. The fund targets the companies with EBITDA between $5 million and $25 million. While investing in debt securities, it invests in those middle market firms with EBITDA between $10 million and $50 million and/or total debt between $25 million and $150 million. The fund invests in minority, and majority or control equity positions alongside its private equity sponsor partners.
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