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Upturn AI SWOT - About
PTMN 
Portman Ridge Finance Corp (PTMN)
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Upturn Advisory Summary
10/21/2025: PTMN (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
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 -4.13% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/21/2025 |
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 10/21/2025 |
52 Weeks Range 10.74 - 16.25 | Updated Date 10/21/2025 | ||
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 5.9 | 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 Corp, previously known as KCAP Financial, Inc., is a publicly traded business development company (BDC) focused on providing financing solutions to middle-market companies. It was founded to generate both current income and capital appreciation through debt and equity investments. Details on exact founding date and milestones were not immediately available. The company has evolved through strategic shifts and acquisitions to optimize its investment portfolio.
Core Business Areas
- Direct Lending: Primarily invests in senior secured debt, including first lien and second lien loans, to middle-market companies. Aims to generate income and capital appreciation.
- CLO Investments: Invests in collateralized loan obligations (CLOs), which are securitizations of pools of corporate loans. This offers diversification and potential for leveraged returns.
- Other Investments: May invest in other asset classes opportunistically to enhance portfolio performance. These can include distressed debt, mezzanine debt, and equity.
Leadership and Structure
The leadership team consists of experienced investment professionals with backgrounds in credit analysis, portfolio management, and private equity. The organizational structure is typical of a BDC, with an investment committee overseeing investment decisions.
Top Products and Market Share
Key Offerings
- Senior Secured Debt: Provides senior secured loans to middle-market companies. Exact market share data for this specific offering is difficult to obtain. Competitors include Ares Capital (ARCC), Main Street Capital (MAIN), and Golub Capital BDC (GBDC).
- CLO Investments: Invests in CLOs for diversification and leveraged returns. Market share data for specific CLO investments is not publicly available. Competitors include other BDCs and institutional investors that invest in CLOs.
Market Dynamics
Industry Overview
The BDC industry is influenced by factors such as interest rates, economic growth, and credit spreads. BDCs compete to provide financing to middle-market companies that may not have access to traditional bank loans.
Positioning
Portman Ridge is positioned as a provider of flexible financing solutions to middle-market companies. Its competitive advantages include its experienced management team and its ability to provide tailored financing solutions.
Total Addressable Market (TAM)
The TAM for middle-market lending is substantial, estimated in the hundreds of billions of dollars annually. Portman Ridge captures a small fraction of this market, positioning it for potential growth as the middle-market lending sector expands.
Upturn SWOT Analysis
Strengths
- Experienced Management Team
- Flexible Financing Solutions
- Diversified Investment Portfolio
- Access to Capital Markets
Weaknesses
- Small Market Capitalization
- High Operating Expenses
- Sensitivity to Interest Rate Fluctuations
- Dependence on External Management
Opportunities
- Increased Demand for Middle-Market Lending
- Expansion into New Asset Classes
- Strategic Acquisitions
- Rising Interest Rates
Threats
- Economic Recession
- Increased Competition
- Regulatory Changes
- Credit Losses
Competitors and Market Share
Key Competitors
- ARCC
- MAIN
- GBDC
Competitive Landscape
Portman Ridge faces stiff competition from larger, more established BDCs. Its success depends on its ability to identify and capitalize on niche investment opportunities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on investment activity and market conditions. More data required.
Future Projections: Analyst estimates are not readily available. Requires access to current earnings call transcripts and research reports.
Recent Initiatives: Recent initiatives involve portfolio optimization and capital deployment.
Summary
Portman Ridge Finance Corp is a smaller BDC facing a highly competitive market. While its experienced management team and flexible financing solutions are strengths, its small market capitalization and reliance on external management pose challenges. Future success depends on its ability to execute its investment strategy and capitalize on growth opportunities while managing risks associated with interest rate fluctuations and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor. Market share data is estimated and may not be precise.
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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