EIC
Eagle Point Income Company Inc.
Asset Management - Income
Market Cap$246M
5Y Perf.-1.3%
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Stock Comparison
EIC vs OXLC
Revenue, margins, valuation, and 5-year total return — side by side.
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$974M
5Y Perf.-41.0%
EIC vs OXLC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | EIC | OXLC |
|---|---|---|
| Industry | Asset Management - Income | Asset Management |
| Market Cap | $246M | $974M |
| Revenue (TTM) | $46M | $96M |
| Net Income (TTM) | $28M | $189M |
| Gross Margin | 94.1% | 59.8% |
| Operating Margin | 107.6% | 50.6% |
| Forward P/E | 7.6x | 2.5x |
| Total Debt | $2M | $487M |
| Cash & Equiv. | $8M | $295M |
EIC vs OXLC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EIC
OXLC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Eagle Point Income … (EIC) | 100 | 98.7 | -1.3% |
| Oxford Lane Capital… (OXLC) | 100 | 59.0 | -41.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EIC vs OXLC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: EIC leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Oxford Lane Capital Corp. is the stronger pick specifically for valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
EIC
Eagle Point Income Company Inc.
The Banking Pick
EIC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 0.52, yield 22.1%
- Rev growth 70.7%, EPS growth -8.8%
- Lower volatility, beta 0.52, Low D/E 0.6%, current ratio 224.31x
Best for: income & stability and growth exposure
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC is the clearest fit if your priority is long-term compounding.
- 23.9% 10Y total return vs EIC's 12.5%
- Lower P/E (2.5x vs 7.6x)
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | EIC | 70.7% NII/revenue growth vs OXLC's -65.7% |
| Value | OXLC | Lower P/E (2.5x vs 7.6x) |
| Quality / Margins | EIC | Efficiency ratio 0.1% vs OXLC's 0.1% (lower = leaner) |
| Stability / Safety | EIC | Beta 0.52 vs OXLC's 0.62, lower leverage |
| Dividends | EIC | 22.1% yield, 3-year raise streak, vs OXLC's 33.9% |
| Momentum (1Y) | EIC | -16.1% vs OXLC's -36.8% |
| Efficiency (ROA) | EIC | Efficiency ratio 0.1% vs OXLC's 0.1% |
EIC vs OXLC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLEICLAGGINGOXLC
OXLCOxford Lane Capital C…
0leads
EICEagle Point Income Co…
5leads
6 Total Categories
CATEGORYLEADERvs OXLCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
EIC5/5
Valuation MetricsMultiples, price ratios, and targets
EIC3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
EIC7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
EIC5/6
Risk & VolatilityBeta, volatility, and downside exposure
EIC2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
EIC leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OXLC is the larger business by revenue, generating $96M annually — 2.1x EIC's $46M. EIC is the more profitable business, keeping 91.0% of every revenue dollar as net income compared to OXLC's 50.6%.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| RevenueTrailing 12 months | $46M | $96M |
| EBITDAEarnings before interest/tax | $30M | $271M |
| Net IncomeAfter-tax profit | $28M | $189M |
| Free Cash FlowCash after capex | -$4M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +94.1% | +59.8% |
| Operating MarginEBIT ÷ Revenue | +107.6% | +50.6% |
| Net MarginNet income ÷ Revenue | +91.0% | +50.6% |
| FCF MarginFCF ÷ Revenue | -3.4% | -7.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +6.9% | -7.7% |
EIC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
EIC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 3.7x trailing earnings, EIC trades at a 96% valuation discount to OXLC's 93.8x P/E. On an enterprise value basis, EIC's 20.9x EV/EBITDA is more attractive than OXLC's 24.1x.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| Market CapShares × price | $246M | $974M |
| Enterprise ValueMkt cap + debt − cash | $240M | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 3.73x | 93.83x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.61x | 2.51x |
| PEG RatioP/E ÷ EPS growth rate | 0.21x | — |
| EV / EBITDAEnterprise value multiple | 20.85x | 24.05x |
| Price / SalesMarket cap ÷ Revenue | 5.38x | 10.17x |
| Price / BookPrice ÷ Book value/share | 0.49x | 0.46x |
| Price / FCFMarket cap ÷ FCF | — | — |
EIC leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
EIC leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
OXLC delivers a 10.2% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for EIC. EIC carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to OXLC's 0.25x. On the Piotroski fundamental quality scale (0–9), EIC scores 4/9 vs OXLC's 2/9, reflecting mixed financial health.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +10.2% |
| ROA (TTM)Return on assets | +5.0% | +7.1% |
| ROICReturn on invested capital | +15.0% | +1.9% |
| ROCEReturn on capital employed | +14.1% | +2.1% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 2 |
| Debt / EquityFinancial leverage | 0.01x | 0.25x |
| Net DebtTotal debt minus cash | -$6M | $192M |
| Cash & Equiv.Liquid assets | $8M | $295M |
| Total DebtShort + long-term debt | $2M | $487M |
| Interest CoverageEBIT ÷ Interest expense | 10.41x | 1.26x |
EIC leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
EIC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in EIC five years ago would be worth $12,658 today (with dividends reinvested), compared to $9,473 for OXLC. Over the past 12 months, EIC leads with a -16.1% total return vs OXLC's -36.8%. The 3-year compound annual growth rate (CAGR) favors EIC at 4.1% vs OXLC's -1.3% — a key indicator of consistent wealth creation.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| YTD ReturnYear-to-date | -3.9% | -24.1% |
| 1-Year ReturnPast 12 months | -16.1% | -36.8% |
| 3-Year ReturnCumulative with dividends | +12.7% | -3.9% |
| 5-Year ReturnCumulative with dividends | +26.6% | -5.3% |
| 10-Year ReturnCumulative with dividends | +12.5% | +23.9% |
| CAGR (3Y)Annualised 3-year return | +4.1% | -1.3% |
EIC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
EIC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
EIC is the less volatile stock with a 0.52 beta — it tends to amplify market swings less than OXLC's 0.62 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EIC currently trades 70.8% from its 52-week high vs OXLC's 40.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.52x | 0.62x |
| 52-Week HighHighest price in past year | $14.80 | $24.90 |
| 52-Week LowLowest price in past year | $9.17 | $8.01 |
| % of 52W HighCurrent price vs 52-week peak | +70.8% | +40.3% |
| RSI (14)Momentum oscillator 0–100 | 74.7 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 163K | 1.5M |
EIC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — EIC and OXLC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EIC as "Buy" and OXLC as "Buy". For income investors, OXLC offers the higher dividend yield at 33.94% vs EIC's 22.15%.
| Metric | EICEagle Point Incom… | OXLCOxford Lane Capit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $17.50 | — |
| # AnalystsCovering analysts | 2 | 4 |
| Dividend YieldAnnual dividend ÷ price | +22.1% | +33.9% |
| Dividend StreakConsecutive years of raises | 3 | 0 |
| Dividend / ShareAnnual DPS | $2.32 | $3.40 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Evenly matched — EIC and OXLC each lead in 1 of 2 comparable metrics.
Key Takeaway
EIC leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallEagle Point Income Company … (EIC)Leads 5 of 6 categories
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EIC vs OXLC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EIC or OXLC a better buy right now?
For growth investors, Eagle Point Income Company Inc.
(EIC) is the stronger pick with 70. 7% revenue growth year-over-year, versus -65. 7% for Oxford Lane Capital Corp. (OXLC). Eagle Point Income Company Inc. (EIC) offers the better valuation at 3. 7x trailing P/E (7. 6x forward), making it the more compelling value choice. Analysts rate Eagle Point Income Company Inc. (EIC) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EIC or OXLC?
On trailing P/E, Eagle Point Income Company Inc.
(EIC) is the cheapest at 3. 7x versus Oxford Lane Capital Corp. at 93. 8x. On forward P/E, Oxford Lane Capital Corp. is actually cheaper at 2. 5x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — EIC or OXLC?
Over the past 5 years, Eagle Point Income Company Inc.
(EIC) delivered a total return of +26. 6%, compared to -5. 3% for Oxford Lane Capital Corp. (OXLC). Over 10 years, the gap is even starker: OXLC returned +23. 9% versus EIC's +12. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EIC or OXLC?
By beta (market sensitivity over 5 years), Eagle Point Income Company Inc.
(EIC) is the lower-risk stock at 0. 52β versus Oxford Lane Capital Corp. 's 0. 62β — meaning OXLC is approximately 20% more volatile than EIC relative to the S&P 500. On balance sheet safety, Eagle Point Income Company Inc. (EIC) carries a lower debt/equity ratio of 1% versus 25% for Oxford Lane Capital Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — EIC or OXLC?
By revenue growth (latest reported year), Eagle Point Income Company Inc.
(EIC) is pulling ahead at 70. 7% versus -65. 7% for Oxford Lane Capital Corp. (OXLC). On earnings-per-share growth, the picture is similar: Eagle Point Income Company Inc. grew EPS -8. 8% year-over-year, compared to -90. 5% for Oxford Lane Capital Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EIC or OXLC?
Eagle Point Income Company Inc.
(EIC) is the more profitable company, earning 91. 0% net margin versus 50. 6% for Oxford Lane Capital Corp. — meaning it keeps 91. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EIC leads at 107. 6% versus 50. 6% for OXLC. At the gross margin level — before operating expenses — EIC leads at 94. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is EIC or OXLC more undervalued right now?
On forward earnings alone, Oxford Lane Capital Corp.
(OXLC) trades at 2. 5x forward P/E versus 7. 6x for Eagle Point Income Company Inc. — 5. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — EIC or OXLC?
All stocks in this comparison pay dividends.
Oxford Lane Capital Corp. (OXLC) offers the highest yield at 33. 9%, versus 22. 1% for Eagle Point Income Company Inc. (EIC).
09Is EIC or OXLC better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Income Company Inc.
(EIC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 52), 22. 1% yield). Both have compounded well over 10 years (EIC: +12. 5%, OXLC: +23. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between EIC and OXLC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: EIC is a small-cap high-growth stock; OXLC is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(EIC: 70.7% · OXLC: -65.7%)Net Margin>
%
(EIC: 91.0% · OXLC: 50.6%)P/E Ratio<
x
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