# Scottish American Investment Company Plc (SAIN.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price 556p, market value 805 millionp.

## Valuation
- **P/E (trailing): 17.4×** (5-yr avg 1975.4×, 3-yr avg 2438.2×). Scottish American Investment Company Plc trades at 17.4× trailing earnings, well below its own five-year average of 1975.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 6.4×**. Each dollar of revenue is priced at 6.4×.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 11.6×**. Enterprise value is 11.6× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.4%** (5-yr avg 0.0%). Free cash flow equals 5.4% of the market value, above its five-year average of 0.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.8%**. The inverse of the P/E: 5.8% of the price is earned each year.

## Profitability
- **Gross margin: 96.6%**. Scottish American Investment Company Plc keeps 96.6% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 58.8%**. 58.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 58.7%**. 58.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 2.0%**. 2.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 7.1%**. Return on all capital, debt included, is 7.1%.
- **Return on assets: 7.1%**. Each dollar of assets produces 7.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -65.4%** (3-yr -10.6%/yr, 5-yr 5.1%/yr). Revenue fell 65.4% over the last year, against 5.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -62.1%** (5-yr -27.5%/yr). Earnings per share fell 62.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 4.6%/yr**. Free cash flow has compounded at 4.6% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: 4 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Scottish American Investment Company Plc does not currently pay a dividend, but it returned 9.0% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 9.8%** (YTD 8.5%, 3-mo 3.1%). The shares are up 9.8% over twelve months including dividends.
- **From 52-week high: -2.9%** (15.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.57** (volatility 11%). Beta of 0.57 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SAIN.L · Page: https://foliofundamentals.com/stocks/sain.l

Not investment advice.