19 October 2026

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Scottish American Investment Company PLC (SAIN)

Rank #256 of 280 - Financials - UK Equities

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Scottish American Investment Company PLC

SAIN.L·Financials·Market Cap £791m

Rank #256 of 280

Quantitative Model · 280 Stocks Analysed

£5.55

+7.56% YTD

52W: £4.80 - £5.72

Factor Analysis Summary

Editorial assessment generated from Scottish American Investment Company PLC's live factor scores and sector positioning.

Based on Strategyland's proprietary 7-factor analysis, Scottish American Investment Company PLC (SAIN.L) currently holds an overall rank of #256 out of 280 FTSE 100 constituents, reflecting its weighted composite score across liquidity, valuation, profitability, solvency, asset efficiency, market trading, and technical dimensions.

Key strengths include profitability (ROE 1.9%, net margin 79.5%), where it demonstrates strong profitability metrics, ranking in the top quartile for earnings quality and return on capital; market trading, where it demonstrates strong market trading characteristics with favourable volume trends and institutional participation; and solvency (debt/equity 0.1), where it demonstrates a sound financial footing with manageable debt levels and adequate interest coverage.

Areas requiring attention include asset efficiency, where poor capital efficiency suggests assets may be underutilised or overvalued on the balance sheet, as well as liquidity, where thin trading volumes could increase transaction costs and slippage.

Within the Financials sector, Scottish American Investment Company PLC sits at composite rank #256, trailing the Financials peer average (rank 8). It ranks behind all 6 tracked Financials peers in our model.

Despite its mid-table composite rank of #256, Scottish American Investment Company PLC shows selective strength — notably in profitability and market trading — suggesting a stock with identifiable merits alongside clear areas for improvement.

Strongest Factors

Profitability — Rank 60/280 (top quartile)
Market Trading — Rank 60/280 (top quartile)
Solvency — Rank 75/280 (above average)

Weakest Factors

Asset Efficiency — Rank 223/280 (below average)
Liquidity — Rank 196/280 (below average)

Score Analysis

Scottish American Investment Company PLC is ranked #256 out of 280 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

120/280

Average Score

Liquidity

Weak196/280

Valuation

Fair124/280

Profitability

Excellent60/280

Solvency

Good75/280

Asset Efficiency

Weak223/280

Mkt Trading

Excellent60/280

Technical

Good99/280

1. Liquidity

Score: 196/280

How liquid is SAIN and can it meet its short-term obligations?

0/6

liquidity criteria met

Metric

Sector Range

Value

Rank

–

Quick Ratio

N/A

Range: N/A

–

Current Ratio

N/A

1.64xRank 103/280

Range: N/ARank 103/280

–

TTM Operating Cash Flow

N/A

3.92xRank 18/280

Range: N/ARank 18/280

–

Liquidity Coverage Ratio

100-150

N/A

Range: 100-150

–

Intangible Asset Ratio

10 - 30

N/ARank 193/280

Range: 10 - 30Rank 193/280

–

Cash-to-Debt Ratio

N/A

0.04xRank 236/280

Range: N/ARank 236/280

Key Liquidity Metrics

Quick Ratio

N/A

Sector: N/A

Current Ratio

1.64x

Sector: N/A

Overall Liquidity Rank

Rank within universe#196/280

Best (1)Worst (280)

2. Valuation

Score: 124/280

Is SAIN undervalued compared to its peers and fair value metrics?

3/7

valuation criteria met

Metric

Sector Range

Value

Rank

–

FY27e P/E

8x - 18x

N/A

Range: 8x - 18x

–

FY26e P/E

8x - 18x

N/A

Range: 8x - 18x

–

FY27e Net Div Yld (%)

3.0 - 8.0

N/A

Range: 3.0 - 8.0

✓

Div Payout Ratio

30 - 55

49.81%Rank 100/280

Range: 30 - 55Rank 100/280

–

Current EV/EBITDA

N/A

37.7xRank 267/280

Range: N/ARank 267/280

✓

Current P/TBV

0.8x - 2.0x

0.96xRank 72/280

Range: 0.8x - 2.0xRank 72/280

✓

Current P/B

0.8x - 2.0x

0.96xRank 84/280

Range: 0.8x - 2.0xRank 84/280

Key Valuation Metrics

TTM P/E

Price-to-Earnings

17.1x

FY26e P/E

Forward estimate

N/A

FY27e P/E

Forward estimate

N/A

Current P/B

Price-to-Book

0.96x

Current P/TBV

Tangible Book Value

0.96x

Current EV/EBITDA

Enterprise Value

37.7x

FY26e EV/EBITDA

Forward estimate

N/A

FY27e EV/EBITDA

Forward estimate

N/A

Dividend

SAIN pays a dividend yield of 2.99%.

Current Yield

2.99%

FY27e Net Div Yield

N/A

FY26e Gross DPS

N/A

FY27e Gross DPS

N/A

3. Profitability

Score: 60/280

How profitable is SAIN relative to its peers?

0/7

profitability criteria met

Metric

Sector Range

Value

Rank

✗

TTM Profit Margin

15 - 30

79.5%Rank 58/280

Range: 15 - 30Rank 58/280

–

T12 FCF Margin

N/A

0.1%Rank 174/280

Range: N/ARank 174/280

–

FY27e RoE

10 - 16

N/A

Range: 10 - 16

–

FY26 EPS Growth

8 - 15

N/A

Range: 8 - 15

–

FY27e EPS Growth

6 - 12

N/A

Range: 6 - 12

–

NIM

1.5 - 3.2

N/A

Range: 1.5 - 3.2

–

Expense Ratio

50 - 65

N/A

Range: 50 - 65

TTM Profit Margin

79.5%

Current RoCE

1.9%

FY27e RoE

N/A

T12 FCF Margin

0.1%

4. Solvency

Score: 75/280

How strong is SAIN's balance sheet and financial position?

0/6

solvency criteria met

Metric

Sector Range

Value

Rank

✗

Debt/Eqt

0.5x - 1.5x

0.11xRank 67/280

Range: 0.5x - 1.5xRank 67/280

–

Interest Coverage Ratio

N/A

Rank 132Rank 132/280

Range: N/ARank 132/280

–

Net Leverage Ratio

N/A

Range: N/A

–

Altman Z-Score (Manufacturing)

N/A

11.22Rank 66/280

Range: N/ARank 66/280

–

Z-Score (Non Manufacturing)

N/A

Rank 67Rank 67/280

Range: N/ARank 67/280

–

CapAdeq Ratio Tier1

13 - 18

N/A

Range: 13 - 18

Key Solvency Metrics

Debt/Eqt

0.11x

Net Leverage Ratio

N/A

Interest Coverage

Rank 132

T12 FCF Margin

0.1%

Altman Z-Score

11.22

Safe Zone

01.812.995+

5. Asset Efficiency

Score: 223/280

How efficiently does SAIN deploy its assets and intellectual capital?

0/5

asset efficiency criteria met

Metric

Sector Range

Value

Rank

–

Efficiency Ratio

50 - 70

N/A

Range: 50 - 70

–

TTM Asset Turnover Ratio

N/A

0.07xRank 240/280

Range: N/ARank 240/280

✗

TTM CAPEX/Sales

1 - 3

15.3%Rank 43/280

Range: 1 - 3Rank 43/280

–

Working Capital Turnover

N/A

23.73xRank 19/280

Range: N/ARank 19/280

–

R&D/Sales FY27e

N/A

Range: N/A

Overall Asset Efficiency Rank

Rank within sector peers#223/280

Best (1)Worst (280)

6. Market Trading

Score: 60/280

How liquid and actively traded is SAIN?

1/2

market trading criteria met

Metric

Sector Range

Value

Rank

–

Intraday Sentiment (%)

40 - 75

N/A

Range: 40 - 75

–

10D-Avg v/s 3M-Avg Vol

N/A

87%Rank 50/280

Range: N/ARank 50/280

✓

Avg Directional Index 30D

012 - 45

17.4Rank 172/280

Range: 012 - 45Rank 172/280

–

Parabolic SAR

N/A

546.00Rank 146/280

Range: N/ARank 146/280

–

Stock Rating Rank

N/A

Range: N/A

Market Cap

£790,808,658

Enterprise Value

£883,682,186

Trading Volume

7. Technical

Score: 99/280

What do the technical indicators say about SAIN?

0/5

technical criteria met

Metric

Chart

Sector Range

Value

Rank

–

CMP v/s 52-WH

£5.72£4.80

-3.0%CMP: £5.55

N/A

-3.0%Rank 31/280

£5.72£4.80

-3.0%CMP: £5.55

Range: N/ARank 31/280

–

CMP v/s 52-WL

£5.72£4.80

+15.6%CMP: £5.55

N/A

15.6%Rank 85/280

£5.72£4.80

+15.6%CMP: £5.55

Range: N/ARank 85/280

–

RSI 14D

048.3 - Bearish100

N/A

48.3Rank 50/280

048.3 - Bearish100

Range: N/ARank 50/280

–

MA50 - MA200

£5.35+0.22£5.57

N/A

BullishRank 124/280

£5.35+0.22£5.57

Range: N/ARank 124/280

–

MACD Rank

Golden Cross

MACD: 0.50

N/A

0.50Rank 100/280

Golden Cross

MACD: 0.50

Range: N/ARank 100/280

RSI (14 Day)

48.3

Bearish

0 (Oversold)50100 (Overbought)

Moving Averages

50 SMA£5.57

200 SMA£5.35

SignalGolden Cross (Bullish)

MACD0.50

Risk Metrics

Beta

N/A

3-Yr Std Dev

N/A

5-Yr Std Dev

N/A

Peer Comparison

How does SAIN compare to other Financials stocks?

Overall Rank Comparison

Factor Score Comparison

Stock	Rank	Liquidity	Valuation	Profitability	Solvency	Mkt Trading	Technical
SAIN	#256	196	124	60	75	60	99
MUT.L	#3	128	38	24	56	27	8
RTW.L	#5	116	7	9	145	69	229
BPCR.L	#7	163	34	56	9	112	76
RCP.L	#9	179	26	22	59	13	2
AGT.L	#11	108	57	55	72	90	79
TBCG.L	#14	29	55	38	257	129	18

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Methodology Note

The analysis presented for Scottish American Investment Company PLC is produced using Strategyland's proprietary 7-factor quantitative model, which evaluates each stock across Liquidity, Valuation, Profitability, Solvency, Asset Efficiency, Market Trading, and Technical dimensions. Individual factor scores and the composite rank reflect relative rankings within the FTSE 100 universe — a lower rank number indicates stronger performance in that category.

Underlying financial and market data is sourced from LSEG (London Stock Exchange Group) and processed through our scoring engine. Scores are recalculated as new data becomes available and should be interpreted as a systematic screening output, not a forecast of future share price performance.

This content is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance and factor rankings are not indicative of future results. Please read our Risk Disclaimer before making any investment decisions.

Strategyland Research Center - strategyland.ukThis report is for informational purposes only. Not financial advice.