Stock fact sheet · data as of
SWK Holdings Corporation 9.00% Senior Notes due 2027 (SWKHL): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · United States · Speculative / Distressed
Is SWKHL undervalued?
SWK Holdings Corporation 9.00% Senior Notes due 2027 (SWKHL) closed at 25.11 on 16 Oct 2026. The GLS average fair value - the simple average of the 3 valuation models that produced a positive number - is 57.08, which puts the price 56% below it. 2 of the 3 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files SWKHL under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for SWKHL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 22.47 | -10% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 89.92 | +258% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 58.86 | +134% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | 1.24 | -95% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
SWK Holdings Corporation 9.00% Senior Notes due 2027 scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 4.8/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -0.9%, ROE -1.1%, ROA -0.9% - with debt at 0.14 times equity and a free-cash-flow yield of 9.7%.
The dividend yield is high at 25.16% (payout ratio -694%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | -0.9% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | -1.1% |
| Debt / equity | 0.14 | ROA | -0.9% |
| Free-cash-flow yield | 9.7% | Payout ratio | -694% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 38: No options
No options are listed on SWK Holdings Corporation 9.00% Senior Notes due 2027 in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 38) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 4k shares a day on a market cap of $192M, with a beta of 0.06 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 56% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 4k shares/day, $192M cap, beta 0.06 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 5 Nov 2026, 20 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to SWK Holdings Corporation 9.00% Senior Notes due 2027 by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TROO TROOPS, Inc. | 1.63 | - | - | 25Weak | $199M |
| CPSS Consumer Portfolio Services, Inc. | 9.17 | 69.18 | +87% | 73Good | $201M |
| MFIN Medallion Financial Corp. | 11.19 | 65.18 | +83% | 76Good | $257M |
| RWAY Runway Growth Finance Corp. | 6.31 | 19.22 | +67% | 45Weak | $264M |
| RWAYL Runway Growth Finance Corp. - 7 | 25.25 | 26.73 | +6% | 39No options | $268M |
| PMTS CPI Card Group Inc. | 25.31 | 50.47 | +50% | 39No options | $293M |
| RM Regional Management Corp. | 33.38 | 202.77 | +84% | 73Good | $308M |
| LX LexinFintech Holdings Ltd. | 0.6840 | 85.88 | +99% | 63Fair | $115M |
| ORBS Eightco Holdings Inc. | 0.7676 | - | - | 35Weak | $330M |
| TREE LendingTree, Inc. | 24.17 | 233.16 | +90% | 63Fair | $339M |
| HTT High Templar Tech Limited | 2.14 | 36.14 | +94% | 50Fair | $359M |
| FOA Finance of America Companies Inc. | 10.99 | - | - | 39Weak | $101M |
⚖ Compare SWKHL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SWKHL
Is SWKHL undervalued right now?
By the GLS models, yes: at 25.11 the stock is 56% below the average fair value of 57.08 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SWKHL and what does it mean?
SWKHL has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SWKHL?
57.08 per share as of 16 Oct 2026 - the simple average of the 3 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does SWK Holdings Corporation 9.00% Senior Notes due 2027 report earnings next?
The next earnings report is due on 5 Nov 2026, 20 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does SWKHL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SWKHL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.