ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$560M
5Y Perf.-41.6%
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Stock Comparison
ECC vs PFLT
Revenue, margins, valuation, and 5-year total return — side by side.
PFLT
PennantPark Floating Rate Capital Ltd.
Asset Management
Market Cap$888M
5Y Perf.+7.6%
ECC vs PFLT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ECC | PFLT |
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $560M | $888M |
| Revenue (TTM) | $116M | $172M |
| Net Income (TTM) | $34M | $118M |
| Gross Margin | 84.2% | 45.6% |
| Operating Margin | 73.7% | 39.4% |
| Forward P/E | 4.7x | 7.9x |
| Total Debt | $272M | $1.78B |
| Cash & Equiv. | $42M | $123M |
ECC vs PFLT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ECC
PFLT
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Eagle Point Credit … (ECC) | 100 | 58.4 | -41.6% |
| PennantPark Floatin… (PFLT) | 100 | 107.6 | +7.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ECC vs PFLT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFLT leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Eagle Point Credit Company Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.68, yield 41.0%
- Lower volatility, beta 0.68, Low D/E 29.0%, current ratio 2.22x
- Beta 0.68, yield 41.0%, current ratio 2.22x
Best for: income & stability and sleep-well-at-night
PFLT
PennantPark Floating Rate Capital Ltd.
The Banking Pick
PFLT carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 2.2%, EPS growth -48.6%
- 72.6% 10Y total return vs ECC's 34.8%
- 2.2% NII/revenue growth vs ECC's -14.9%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFLT | 2.2% NII/revenue growth vs ECC's -14.9% |
| Value | ECC | Lower P/E (4.7x vs 7.9x) |
| Quality / Margins | PFLT | Efficiency ratio 0.1% vs ECC's 0.1% (lower = leaner) |
| Stability / Safety | ECC | Beta 0.68 vs PFLT's 0.79, lower leverage |
| Dividends | ECC | 41.0% yield, vs PFLT's 13.5% |
| Momentum (1Y) | PFLT | +1.5% vs ECC's -27.9% |
| Efficiency (ROA) | PFLT | Efficiency ratio 0.1% vs ECC's 0.1% |
ECC vs PFLT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLECCLAGGINGPFLT
PFLTPennantPark Floating …
1leads
ECCEagle Point Credit Co…
3leads
6 Total Categories
CATEGORYLEADERvs PFLTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ECC4/5
Valuation MetricsMultiples, price ratios, and targets
ECC6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ECC6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PFLT6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
ECC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFLT and ECC operate at a comparable scale, with $172M and $116M in trailing revenue. ECC is the more profitable business, keeping 69.3% of every revenue dollar as net income compared to PFLT's 38.7%.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| RevenueTrailing 12 months | $116M | $172M |
| EBITDAEarnings before interest/tax | $63M | $39M |
| Net IncomeAfter-tax profit | $34M | $118M |
| Free Cash FlowCash after capex | $65M | $242M |
| Gross MarginGross profit ÷ Revenue | +84.2% | +45.6% |
| Operating MarginEBIT ÷ Revenue | +73.7% | +39.4% |
| Net MarginNet income ÷ Revenue | +69.3% | +38.7% |
| FCF MarginFCF ÷ Revenue | +89.3% | +55.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.9% | +40.9% |
ECC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
ECC leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 5.0x trailing earnings, ECC trades at a 60% valuation discount to PFLT's 12.4x P/E. On an enterprise value basis, ECC's 9.2x EV/EBITDA is more attractive than PFLT's 37.7x.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| Market CapShares × price | $560M | $888M |
| Enterprise ValueMkt cap + debt − cash | $790M | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 4.98x | 12.43x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.66x | 7.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.40x |
| EV / EBITDAEnterprise value multiple | 9.24x | 37.66x |
| Price / SalesMarket cap ÷ Revenue | 4.83x | 5.18x |
| Price / BookPrice ÷ Book value/share | 0.43x | 0.77x |
| Price / FCFMarket cap ÷ FCF | 5.41x | 9.34x |
ECC leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
ECC leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
PFLT delivers a 11.2% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $3 for ECC. ECC carries lower financial leverage with a 0.29x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFLT's 1.65x. On the Piotroski fundamental quality scale (0–9), PFLT scores 4/9 vs ECC's 3/9, reflecting mixed financial health.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| ROE (TTM)Return on equity | +3.1% | +11.2% |
| ROA (TTM)Return on assets | +2.2% | +4.3% |
| ROICReturn on invested capital | +6.1% | +2.1% |
| ROCEReturn on capital employed | +7.1% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 |
| Debt / EquityFinancial leverage | 0.29x | 1.65x |
| Net DebtTotal debt minus cash | $230M | $1.7B |
| Cash & Equiv.Liquid assets | $42M | $123M |
| Total DebtShort + long-term debt | $272M | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 12.34x | 0.35x |
ECC leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PFLT leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFLT five years ago would be worth $11,718 today (with dividends reinvested), compared to $10,754 for ECC. Over the past 12 months, PFLT leads with a +1.5% total return vs ECC's -27.9%. The 3-year compound annual growth rate (CAGR) favors PFLT at 5.7% vs ECC's -6.0% — a key indicator of consistent wealth creation.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| YTD ReturnYear-to-date | -19.3% | -0.4% |
| 1-Year ReturnPast 12 months | -27.9% | +1.5% |
| 3-Year ReturnCumulative with dividends | -17.0% | +18.2% |
| 5-Year ReturnCumulative with dividends | +7.5% | +17.2% |
| 10-Year ReturnCumulative with dividends | +34.8% | +72.6% |
| CAGR (3Y)Annualised 3-year return | -6.0% | +5.7% |
PFLT leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Risk & Volatility
ECC is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than PFLT's 0.79 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PFLT currently trades 82.3% from its 52-week high vs ECC's 52.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.68x | 0.79x |
| 52-Week HighHighest price in past year | $8.23 | $10.88 |
| 52-Week LowLowest price in past year | $3.46 | $7.68 |
| % of 52W HighCurrent price vs 52-week peak | +52.0% | +82.3% |
| RSI (14)Momentum oscillator 0–100 | 61.8 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 1.7M | 987K |
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates ECC as "Buy" and PFLT as "Buy". Consensus price targets imply 17.3% upside for PFLT (target: $11) vs 11.0% for ECC (target: $5). For income investors, ECC offers the higher dividend yield at 40.99% vs PFLT's 13.47%.
| Metric | ECCEagle Point Credi… | PFLTPennantPark Float… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $4.75 | $10.50 |
| # AnalystsCovering analysts | 11 | 11 |
| Dividend YieldAnnual dividend ÷ price | +41.0% | +13.5% |
| Dividend StreakConsecutive years of raises | 0 | 3 |
| Dividend / ShareAnnual DPS | $1.75 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Key Takeaway
ECC leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). PFLT leads in 1 (Total Returns). 2 tied.
Best OverallEagle Point Credit Company … (ECC)Leads 3 of 6 categories
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ECC vs PFLT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ECC or PFLT a better buy right now?
For growth investors, PennantPark Floating Rate Capital Ltd.
(PFLT) is the stronger pick with 2. 2% revenue growth year-over-year, versus -14. 9% for Eagle Point Credit Company Inc. (ECC). Eagle Point Credit Company Inc. (ECC) offers the better valuation at 5. 0x trailing P/E (4. 7x forward), making it the more compelling value choice. Analysts rate Eagle Point Credit Company Inc. (ECC) a "Buy" — based on 11 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 — ECC or PFLT?
On trailing P/E, Eagle Point Credit Company Inc.
(ECC) is the cheapest at 5. 0x versus PennantPark Floating Rate Capital Ltd. at 12. 4x. On forward P/E, Eagle Point Credit Company Inc. is actually cheaper at 4. 7x.
03Which is the better long-term investment — ECC or PFLT?
Over the past 5 years, PennantPark Floating Rate Capital Ltd.
(PFLT) delivered a total return of +17. 2%, compared to +7. 5% for Eagle Point Credit Company Inc. (ECC). Over 10 years, the gap is even starker: PFLT returned +72. 6% versus ECC's +34. 8%. 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 — ECC or PFLT?
By beta (market sensitivity over 5 years), Eagle Point Credit Company Inc.
(ECC) is the lower-risk stock at 0. 68β versus PennantPark Floating Rate Capital Ltd. 's 0. 79β — meaning PFLT is approximately 16% more volatile than ECC relative to the S&P 500. On balance sheet safety, Eagle Point Credit Company Inc. (ECC) carries a lower debt/equity ratio of 29% versus 165% for PennantPark Floating Rate Capital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — ECC or PFLT?
By revenue growth (latest reported year), PennantPark Floating Rate Capital Ltd.
(PFLT) is pulling ahead at 2. 2% versus -14. 9% for Eagle Point Credit Company Inc. (ECC). On earnings-per-share growth, the picture is similar: PennantPark Floating Rate Capital Ltd. grew EPS -48. 6% year-over-year, compared to -50. 6% for Eagle Point Credit Company Inc.. 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 — ECC or PFLT?
Eagle Point Credit Company Inc.
(ECC) is the more profitable company, earning 69. 3% net margin versus 38. 7% for PennantPark Floating Rate Capital Ltd. — meaning it keeps 69. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ECC leads at 73. 7% versus 39. 4% for PFLT. At the gross margin level — before operating expenses — ECC leads at 84. 2%, 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 ECC or PFLT more undervalued right now?
On forward earnings alone, Eagle Point Credit Company Inc.
(ECC) trades at 4. 7x forward P/E versus 7. 9x for PennantPark Floating Rate Capital Ltd. — 3. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PFLT: 17. 3% to $10. 50.
08Which pays a better dividend — ECC or PFLT?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 0%, versus 13. 5% for PennantPark Floating Rate Capital Ltd. (PFLT).
09Is ECC or PFLT better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Credit Company Inc.
(ECC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 41. 0% yield). Both have compounded well over 10 years (ECC: +34. 8%, PFLT: +72. 6%), 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 ECC and PFLT?
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.
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>
%
(ECC: -14.9% · PFLT: 2.2%)Net Margin>
%
(ECC: 69.3% · PFLT: 38.7%)P/E Ratio<
x
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