ECCC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$2.26B
5Y Perf.-5.9%
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Stock Comparison
ECCC vs ECC vs OFS vs OXLC
Revenue, margins, valuation, and 5-year total return — side by side.
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$560M
5Y Perf.-68.4%
OFS
OFS Capital Corporation
Asset Management
Market Cap$52M
5Y Perf.-60.8%
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$989M
5Y Perf.-72.5%
ECCC vs ECC vs OFS vs OXLC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ECCC | ECC | OFS | OXLC |
|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management |
| Market Cap | $2.26B | $560M | $52M | $989M |
| Revenue (TTM) | $116M | $116M | $-12M | $96M |
| Net Income (TTM) | $34M | $34M | $-33M | $189M |
| Gross Margin | 84.2% | 84.2% | 239.8% | 59.8% |
| Operating Margin | 73.7% | 73.7% | 280.2% | 50.6% |
| Forward P/E | 28.2x | 4.7x | — | 2.6x |
| Total Debt | $272M | $272M | $218M | $487M |
| Cash & Equiv. | $42M | $42M | $3M | $295M |
ECCC vs ECC vs OFS vs OXLC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ECCC
ECC
OFS
OXLC
| Stock | Jun 21 | May 26 | Return |
|---|---|---|---|
| Eagle Point Credit … (ECCC) | 100 | 94.1 | -5.9% |
| Eagle Point Credit … (ECC) | 100 | 31.6 | -68.4% |
| OFS Capital Corpora… (OFS) | 100 | 39.2 | -60.8% |
| Oxford Lane Capital… (OXLC) | 100 | 27.5 | -72.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ECCC vs ECC vs OFS vs OXLC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OXLC leads in 3 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Eagle Point Credit Company Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. ECC and OFS also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
ECCC
Eagle Point Credit Company Inc.
The Banking Pick
ECCC is the #2 pick in this set and the best alternative if growth exposure and bank quality is your priority.
- Rev growth -14.9%, EPS growth -50.6%
- NIM 10.2% vs OFS's 6.7%
- -14.9% NII/revenue growth vs OFS's -124.6%
- +16.4% vs OFS's -42.1%
Best for: growth exposure and bank quality
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.68, yield 41.0%
- 34.8% 10Y total return vs ECCC's 29.0%
- 41.0% yield, vs OFS's 30.5%
Best for: income & stability and long-term compounding
OFS
OFS Capital Corporation
The Banking Pick
OFS is the clearest fit if your priority is value.
- Better valuation composite
Best for: value
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 0.62, Low D/E 24.9%, current ratio 220.74x
- Beta 0.62, yield 33.4%, current ratio 220.74x
- Efficiency ratio 0.1% vs ECC's 0.1% (lower = leaner)
- Beta 0.62 vs OFS's 0.90, lower leverage
Best for: sleep-well-at-night and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ECCC | -14.9% NII/revenue growth vs OFS's -124.6% |
| Value | OFS | Better valuation composite |
| Quality / Margins | OXLC | Efficiency ratio 0.1% vs ECC's 0.1% (lower = leaner) |
| Stability / Safety | OXLC | Beta 0.62 vs OFS's 0.90, lower leverage |
| Dividends | ECC | 41.0% yield, vs OFS's 30.5% |
| Momentum (1Y) | ECCC | +16.4% vs OFS's -42.1% |
| Efficiency (ROA) | OXLC | Efficiency ratio 0.1% vs ECC's 0.1% |
ECCC vs ECC vs OFS vs OXLC — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLECCCLAGGINGECC
Who Leads Where
OFS leads in 2 of 6 categories
ECCC leads 2 • OXLC leads 1 • ECC leads 0 • 1 tied
Explore the data ↓ECCEagle Point Credit Co…
0leads
OXLCOxford Lane Capital C…
1leads
OFSOFS Capital Corporati…
2leads
ECCCEagle Point Credit Co…
2leads
6 Total Categories
CATEGORYLEADERvs OFSvs OXLCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OFS3/5
Valuation MetricsMultiples, price ratios, and targets
OFS3/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OXLC4/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ECCC5/6
Risk & VolatilityBeta, volatility, and downside exposure
ECCC2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
OFS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ECCC and OFS operate at a comparable scale, with $116M and -$12M in trailing revenue. Profitability is closely matched — net margins range from 2.8% (OFS) to 50.6% (OXLC).
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $116M | $116M | -$12M | $96M |
| EBITDAEarnings before interest/tax | $63M | $63M | -$33M | $271M |
| Net IncomeAfter-tax profit | $34M | $34M | -$33M | $189M |
| Free Cash FlowCash after capex | $65M | $65M | $35M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +84.2% | +84.2% | +2.4% | +59.8% |
| Operating MarginEBIT ÷ Revenue | +73.7% | +73.7% | +2.8% | +50.6% |
| Net MarginNet income ÷ Revenue | +69.3% | +69.3% | +2.8% | +50.6% |
| FCF MarginFCF ÷ Revenue | +89.3% | +89.3% | -3.7% | -7.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.9% | +3.9% | -142.6% | -7.7% |
OFS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OFS leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
At 5.0x trailing earnings, ECC trades at a 95% valuation discount to OXLC's 95.2x P/E. On an enterprise value basis, ECC's 9.2x EV/EBITDA is more attractive than ECCC's 29.2x.
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| Market CapShares × price | $2.3B | $560M | $52M | $989M |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $790M | $267M | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 28.17x | 4.98x | -1.58x | 95.23x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 4.66x | — | 2.55x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | 29.15x | 9.24x | — | 24.35x |
| Price / SalesMarket cap ÷ Revenue | 19.51x | 4.83x | — | 10.32x |
| Price / BookPrice ÷ Book value/share | 2.42x | 0.43x | 0.42x | 0.47x |
| Price / FCFMarket cap ÷ FCF | 21.85x | 5.41x | 1.20x | — |
OFS leads this category, winning 3 of 6 comparable metrics.
Profitability & Efficiency
OXLC leads this category, winning 4 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 $-23 for OFS. OXLC carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to OFS's 1.77x. On the Piotroski fundamental quality scale (0–9), OFS scores 4/9 vs OXLC's 2/9, reflecting mixed financial health.
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +3.1% | +3.1% | -23.4% | +10.2% |
| ROA (TTM)Return on assets | +2.2% | +2.2% | -8.6% | +7.1% |
| ROICReturn on invested capital | +6.1% | +6.1% | -6.5% | +1.9% |
| ROCEReturn on capital employed | +7.1% | +7.1% | -8.7% | +2.1% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 3 | 4 | 2 |
| Debt / EquityFinancial leverage | 0.29x | 0.29x | 1.77x | 0.25x |
| Net DebtTotal debt minus cash | $230M | $230M | $214M | $192M |
| Cash & Equiv.Liquid assets | $42M | $42M | $3M | $295M |
| Total DebtShort + long-term debt | $272M | $272M | $218M | $487M |
| Interest CoverageEBIT ÷ Interest expense | 12.34x | 12.34x | -2.00x | 1.26x |
OXLC leads this category, winning 4 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ECCC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECCC five years ago would be worth $12,897 today (with dividends reinvested), compared to $9,436 for OXLC. Over the past 12 months, ECCC leads with a +16.4% total return vs OFS's -42.1%. The 3-year compound annual growth rate (CAGR) favors ECCC at 10.8% vs OFS's -7.5% — a key indicator of consistent wealth creation.
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +0.7% | -19.3% | -14.9% | -23.1% |
| 1-Year ReturnPast 12 months | +16.4% | -27.9% | -42.1% | -36.6% |
| 3-Year ReturnCumulative with dividends | +36.0% | -17.0% | -20.8% | -3.4% |
| 5-Year ReturnCumulative with dividends | +29.0% | +7.5% | +4.9% | -5.6% |
| 10-Year ReturnCumulative with dividends | +29.0% | +34.8% | +23.8% | +24.0% |
| CAGR (3Y)Annualised 3-year return | +10.8% | -6.0% | -7.5% | -1.1% |
ECCC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
ECCC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ECCC is the less volatile stock with a -0.03 beta — it tends to amplify market swings less than OFS's 0.90 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ECCC currently trades 96.9% from its 52-week high vs OXLC's 40.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.03x | 0.68x | 0.90x | 0.62x |
| 52-Week HighHighest price in past year | $25.00 | $8.23 | $9.31 | $24.90 |
| 52-Week LowLowest price in past year | $22.10 | $3.46 | $2.72 | $8.01 |
| % of 52W HighCurrent price vs 52-week peak | +96.9% | +52.0% | +41.9% | +40.9% |
| RSI (14)Momentum oscillator 0–100 | 42.4 | 61.8 | 51.7 | 52.7 |
| Avg Volume (50D)Average daily shares traded | 7K | 1.7M | 100K | 1.5M |
ECCC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ECC and OFS each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ECCC as "Buy", ECC as "Buy", OXLC as "Buy". For income investors, ECC offers the higher dividend yield at 40.99% vs ECCC's 7.24%.
| Metric | ECCCEagle Point Credi… | ECCEagle Point Credi… | OFSOFS Capital Corpo… | OXLCOxford Lane Capit… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | — | Buy |
| Price TargetConsensus 12-month target | — | $4.75 | — | — |
| # AnalystsCovering analysts | 6 | 11 | — | 4 |
| Dividend YieldAnnual dividend ÷ price | +7.2% | +41.0% | +30.5% | +33.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.75 | $1.75 | $1.19 | $3.40 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% |
Evenly matched — ECC and OFS each lead in 1 of 2 comparable metrics.
Key Takeaway
OFS leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). ECCC leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallEagle Point Credit Company … (ECCC)Leads 2 of 6 categories
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ECCC vs ECC vs OFS vs OXLC: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is ECCC or ECC or OFS or OXLC a better buy right now?
For growth investors, Eagle Point Credit Company Inc.
(ECCC) is the stronger pick with -14. 9% revenue growth year-over-year, versus -124. 6% for OFS Capital Corporation (OFS). 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. (ECCC) a "Buy" — based on 6 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 — ECCC or ECC or OFS or OXLC?
On trailing P/E, Eagle Point Credit Company Inc.
(ECC) is the cheapest at 5. 0x versus Oxford Lane Capital Corp. at 95. 2x. On forward P/E, Oxford Lane Capital Corp. is actually cheaper at 2. 6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — ECCC or ECC or OFS or OXLC?
Over the past 5 years, Eagle Point Credit Company Inc.
(ECCC) delivered a total return of +29. 0%, compared to -5. 6% for Oxford Lane Capital Corp. (OXLC). Over 10 years, the gap is even starker: ECC returned +34. 8% versus OFS's +23. 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 — ECCC or ECC or OFS or OXLC?
By beta (market sensitivity over 5 years), Eagle Point Credit Company Inc.
(ECCC) is the lower-risk stock at -0. 03β versus OFS Capital Corporation's 0. 90β — meaning OFS is approximately -2831% more volatile than ECCC relative to the S&P 500. On balance sheet safety, Oxford Lane Capital Corp. (OXLC) carries a lower debt/equity ratio of 25% versus 177% for OFS Capital Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — ECCC or ECC or OFS or OXLC?
By revenue growth (latest reported year), Eagle Point Credit Company Inc.
(ECCC) is pulling ahead at -14. 9% versus -124. 6% for OFS Capital Corporation (OFS). On earnings-per-share growth, the picture is similar: Eagle Point Credit Company Inc. grew EPS -50. 6% year-over-year, compared to -216. 5% for OFS Capital Corporation. 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 — ECCC or ECC or OFS or OXLC?
OFS Capital Corporation (OFS) is the more profitable company, earning 280.
2% net margin versus 50. 6% for Oxford Lane Capital Corp. — meaning it keeps 280. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OFS leads at 280. 2% versus 50. 6% for OXLC. At the gross margin level — before operating expenses — OFS leads at 239. 8%, 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 ECCC or ECC or OFS or OXLC more undervalued right now?
On forward earnings alone, Oxford Lane Capital Corp.
(OXLC) trades at 2. 6x forward P/E versus 4. 7x for Eagle Point Credit Company Inc. — 2. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — ECCC or ECC or OFS or OXLC?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 0%, versus 7. 2% for Eagle Point Credit Company Inc. (ECCC).
09Is ECCC or ECC or OFS or OXLC better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Credit Company Inc.
(ECCC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 03), 7. 2% yield). Both have compounded well over 10 years (ECCC: +29. 0%, OFS: +23. 8%), 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 ECCC and ECC and OFS 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: ECCC is a small-cap income-oriented stock; ECC is a small-cap deep-value stock; OFS is a small-cap income-oriented 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>
%
(ECCC: -14.9% · ECC: -14.9%)Net Margin>
%
(ECCC: 69.3% · ECC: 69.3%)P/E Ratio<
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