Saratoga Financial Service Fund (SFPAX)
The fund will normally invest at least 80% of its total assets in U.S. and foreign equity securities issued by financial services companies, regardless of their stock market value (or "market capitalization"). Equity securities include common stocks, securities convertible into common stocks, preferred stocks and warrants. Up to 20% of the Portfolio's total assets may be invested in U.S. and foreign securities outside of financial companies.
Fund Info
US8034316591
803431659
Aug 1, 2000
$250
Large-Cap
Value
Expense Ratio
SFPAX has a high expense ratio of 3.81%, indicating above-average management fees.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Saratoga Financial Service Fund (SFPAX) returned 2.24% year-to-date (YTD) and 20.36% over the past 12 months. Over the past 10 years, SFPAX returned 7.14% annually, underperforming the S&P 500 benchmark at 10.85%.
SFPAX
2.24%
4.68%
-4.29%
20.36%
10.27%
14.96%
7.14%
^GSPC (Benchmark)
0.51%
6.15%
-2.00%
12.92%
12.68%
14.19%
10.85%
Monthly Returns
The table below presents the monthly returns of SFPAX, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 5.93% | -0.83% | -4.81% | -2.33% | 4.68% | 2.24% | |||||||
| 2024 | 1.62% | 4.33% | 4.37% | -4.40% | 2.52% | -1.07% | 5.61% | 3.48% | 0.39% | 2.95% | 11.09% | -6.38% | 26.05% |
| 2023 | 8.03% | -2.48% | -10.39% | 1.80% | -4.68% | 6.91% | 5.72% | -3.53% | -2.68% | -3.13% | 10.47% | 6.31% | 10.58% |
| 2022 | 0.99% | -1.56% | -1.88% | -9.30% | 2.90% | -11.27% | 6.72% | -1.94% | -8.05% | 11.42% | 5.13% | -5.92% | -14.36% |
| 2021 | -1.48% | 11.37% | 6.06% | 6.67% | 4.46% | -3.42% | -0.79% | 4.96% | -2.27% | 5.70% | -5.21% | 2.71% | 31.17% |
| 2020 | -3.11% | -11.59% | -21.82% | 9.30% | 2.58% | 0.59% | 2.21% | 3.60% | -4.73% | -0.58% | 17.18% | 6.11% | -5.81% |
| 2019 | 9.79% | 3.17% | -3.67% | 8.60% | -7.92% | 6.26% | 1.85% | -7.15% | 4.28% | 0.94% | 5.11% | 4.22% | 26.44% |
| 2018 | 5.33% | -2.61% | -3.55% | -0.54% | -0.63% | -2.54% | 2.89% | 1.63% | -3.30% | -6.36% | 2.07% | -12.30% | -19.23% |
| 2017 | -0.53% | 5.00% | -3.04% | -1.26% | -1.16% | 6.86% | 1.40% | -1.98% | 5.15% | 2.21% | 4.22% | 1.44% | 19.28% |
| 2016 | -8.77% | -3.60% | 6.93% | 2.85% | 2.27% | -3.82% | 3.07% | 3.98% | -2.75% | 0.86% | 11.08% | 3.51% | 14.98% |
| 2015 | -8.42% | 6.58% | -1.05% | 0.59% | 1.52% | -0.23% | 1.39% | -6.96% | -3.68% | 5.60% | 1.81% | -2.84% | -6.60% |
| 2014 | -5.36% | 3.09% | 2.25% | -1.46% | 0.99% | 1.96% | -1.80% | 3.68% | -0.83% | 1.79% | 2.23% | 0.69% | 7.06% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 76, SFPAX is among the top 24% of mutual funds on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Saratoga Financial Service Fund (SFPAX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Saratoga Financial Service Fund provided a 5.78% dividend yield over the last twelve months, with an annual payout of $0.61 per share.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Dividend | $0.61 | $0.61 | $0.44 | $0.47 | $0.51 | $0.34 | $0.21 | $1.68 |
Dividend yield | 5.78% | 5.91% | 5.05% | 5.71% | 5.03% | 4.19% | 2.37% | 22.57% |
Monthly Dividends
The table displays the monthly dividend distributions for Saratoga Financial Service Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.61 | $0.61 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.44 | $0.44 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.47 | $0.47 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.51 | $0.51 |
| 2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.34 | $0.34 |
| 2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.21 | $0.21 |
| 2018 | $1.68 | $1.68 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Saratoga Financial Service Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Saratoga Financial Service Fund was 71.98%, occurring on Mar 9, 2009. Recovery took 2235 trading sessions.
The current Saratoga Financial Service Fund drawdown is 4.37%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -71.98% | Feb 21, 2007 | 514 | Mar 9, 2009 | 2235 | Jan 24, 2018 | 2749 |
| -46.98% | Jan 29, 2018 | 541 | Mar 23, 2020 | 232 | Feb 23, 2021 | 773 |
| -31.58% | Dec 29, 2000 | 546 | Mar 11, 2003 | 202 | Dec 29, 2003 | 748 |
| -27.51% | Jan 13, 2022 | 328 | May 4, 2023 | 300 | Jul 16, 2024 | 628 |
| -17.92% | Nov 29, 2024 | 88 | Apr 8, 2025 | — | — | — |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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