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Upturn AI SWOT - About
PTMN 
Portman Ridge Finance Corp (PTMN)
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Upturn Advisory Summary
08/28/2025: 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 -1.32% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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 08/29/2025 |
52 Weeks Range 10.74 - 16.25 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 18.10% | Basic EPS (TTM) -0.94 |
Earnings Date
Report Date 2025-08-07 | When - | Estimate 0.5325 | Actual 0.5 |
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 25.58 | 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 (PTMN) is a publicly traded specialty finance company that focuses on providing customized credit solutions to middle market companies. It was formerly known as KCAP Financial, Inc. and changed its name to Portman Ridge Finance Corporation in November 2020. The company has evolved over time, adapting its investment strategies to market conditions and focusing on building a diversified portfolio of secured debt investments.
Core Business Areas
- Direct Lending: Provides senior secured loans, unitranche debt, mezzanine debt, and equity investments to middle market companies.
- Investment Management: Manages credit-related assets and generates fee income through management contracts.
Leadership and Structure
The leadership team consists of experienced investment professionals. Details about the executive team and board of directors can be found on their investor relations website. The company operates with a structure common to BDCs, overseen by a board and managed by an investment advisor.
Top Products and Market Share
Key Offerings
- Senior Secured Loans: Provides senior secured debt financing to middle market companies. Competitors include other BDCs like Ares Capital and Golub Capital. Market share data is fragmented and difficult to pinpoint precisely, but PTMN has a relatively small share compared to larger BDCs.
- Unitranche Debt: Offers unitranche loans, which blend senior and subordinated debt into a single facility. Competitors include other BDCs that offer similar financing solutions. PTMN has a relatively small share compared to larger BDCs.
Market Dynamics
Industry Overview
The specialty finance industry, particularly business development companies (BDCs), is competitive and subject to fluctuations in interest rates and credit cycles. BDCs provide capital to middle market companies, filling a funding gap left by traditional banks.
Positioning
Portman Ridge Finance Corp is positioned as a provider of customized credit solutions to middle market companies. It aims to differentiate itself through its expertise in structuring complex transactions.
Total Addressable Market (TAM)
The total addressable market for middle market lending is substantial, estimated in the hundreds of billions of dollars. PTMN's TAM is related to middle-market lending, but it's not possible to specify the actual TAM due to data limitation. PTMN is positioned to capture a small portion of this market.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Focus on customized credit solutions
- Diversified investment portfolio
Weaknesses
- Relatively small market capitalization
- Reliance on external management
- Sensitivity to interest rate changes
Opportunities
- Growth in the middle market lending space
- Increased demand for customized financing solutions
- Potential for acquisitions to expand market presence
Threats
- Increased competition from other BDCs
- Economic downturn impacting portfolio companies
- Changes in regulations affecting BDCs
Competitors and Market Share
Key Competitors
- ARCC
- GBDC
- TCRD
Competitive Landscape
PTMN faces competition from larger, more established BDCs. Its ability to differentiate itself through customized solutions and efficient capital deployment is crucial for success.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends is not available as part of this AI answer.
Future Projections: Projections for future growth based on analyst estimates is not available as part of this AI answer.
Recent Initiatives: Recent strategic initiatives is not available as part of this AI answer.
Summary
Portman Ridge Finance Corp is a smaller BDC operating in a competitive market. Its strengths lie in its experience and focus on customized solutions. It faces challenges due to its smaller size and reliance on external management, but has the opportunity to grow through strategic initiatives and capitalizing on the demand for middle market lending.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information 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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