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Upturn AI Summary - About
Rand Capital Corp(RAND)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RAND
10/09/2026: RAND (1-star) is currently NOT-A-BUY. Pass it for now.
Rand Capital Corporation is a publicly traded Business Development Company (BDC) that provides debt and equity financing to small- to mid-sized private companies. The company benefits from a long history of regional market presence and a disciplined approach to managing a diversified investment portfolio. Its primary growth opportunity lies in capitalizing on the rising demand for private credit as traditional lending environments remain tight. However, investors must consider risks related to portfolio concentration, sensitivity to interest rate fluctuations, and competitive pressures from larger, more liquid BDC peers. The stock may best suit income-focused investors who monitor the company's ability to maintain sustainable dividends and grow its Net Asset Value over time.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers exposure to the growth of private enterprises but is constrained by its BDC structure focused on income. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and steady, rather than explosive, price movement. |
| Value investor | Strong fit | Investors may find value in buying shares at a discount or premium to Net Asset Value depending on market conditions. |
| Dividend investor | Strong fit while signal remains positive | BDCs are structured to distribute the majority of their income to shareholders via dividends. |
| Low-risk investor | Mixed fit | The inherent risk of lending to smaller, private companies introduces volatility that may not suit the most conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience price swings linked to portfolio valuation changes and market sentiment regarding BDCs. |
| Valuation risk | Medium | NAV per share fluctuations can lead to temporary market price disconnects. |
| Competition risk (Private credit lenders) | High | Larger, better-capitalized competitors can offer more attractive terms to prospective borrowers. |
| Business quality | Medium | Performance is highly dependent on the credit quality and growth trajectories of the underlying private portfolio companies. |
| Dividend income | Medium | Dividends are dependent on the net investment income generated, which can vary due to portfolio defaults or prepayments. |
| Execution risk | Medium | Management must successfully identify and exit investments at profitable valuations to grow NAV. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -0.04% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 29.76M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 1.8K shares | Beta 0.15 | 52 Weeks Range 9.33 - 15.67 | Updated Date 10/09/2026 |
52 Weeks Range 9.33 - 15.67 | Updated Date 10/09/2026 | ||
Dividends yield (FY) 11.87% | Basic EPS (TTM) -0.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Investment Portfolio | Interest income from debt investments and dividends from equity holdings. | Rand earns money by lending to and investing in private businesses, passing the net income to investors as dividends. |
Valuation
Trailing PE - | Forward PE 53.19 | Enterprise Value 34.43M | Price to Sales(TTM) 5.41 |
Enterprise Value 34.43M | Price to Sales(TTM) 5.41 | ||
Enterprise Value to Revenue 22.03 | Enterprise Value to EBITDA - | Shares Outstanding 2.97M | Shares Floating 602.20K |
Shares Outstanding 2.97M | Shares Floating 602.20K | ||
Percent Insiders 76.04 | Percent Institutions 1.61 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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