Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) Stock Analysis & Winston Score

Sachem Capital Corp. is a real estate finance company that lends money to real estate investors — not a traditional property owner. Its core product is short-term, high-interest loans called "hard money" loans, used by borrowers who fix up and flip houses or develop properties. It mainly serves small real estate investors across the northeastern United States, though it has expanded to other regions.

The company makes money by charging interest on the loans it issues, funded partly by selling debt securities like these 6.00% Notes due 2026. It is a Real Estate Investment Trust (REIT), meaning it must pay out most of its income as dividends to shareholders. Sachem is a relatively small lender with a market cap around $1.2 billion, and its competitive position depends on speed and flexibility rather than low rates. The main risk it faces is borrower defaults, which rise sharply when real estate markets slow down or interest rates stay high.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-100.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-953.7% YoY

YoY Growth Rate

Earnings declining

Insider Activity

100.0%ownership

Insiders own a meaningful stake in the company

Cash Runway

~2 years

$30M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

$30M cash & investments at current burn rate

Revenue declining

Sachem Capital Corp. 6.00% Notes Due 2026's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

N/A

Data not available

Operating Margin

N/A

Data not available

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

N/A

Data not available

EPS YoY

N/A

Data not available

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-3.7%

Burning cash (-3.7%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.62x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

19.63%

no trend

Healthy income — 19.63% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+14.3%

no trend

Dividend growing fast (14.3% YoY)

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