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ECCV vs PFLT
Revenue, margins, valuation, and 5-year total return — side by side.
Asset Management
ECCV vs PFLT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $2.24B | $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 | 27.9x | 7.9x |
| Total Debt | $272M | $1.78B |
| Cash & Equiv. | $42M | $123M |
ECCV vs PFLT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jan 22 | May 26 | Return |
|---|---|---|---|
| Eagle Point Credit … (ECCV) | 100 | 98.9 | -1.1% |
| PennantPark Floatin… (PFLT) | 100 | 69.1 | -30.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ECCV vs PFLT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
ECCV is the clearest fit if your priority is sleep-well-at-night and bank quality.
- Lower volatility, beta 0.55, Low D/E 29.0%, current ratio 2.22x
- NIM 10.2% vs PFLT's 5.0%
- Beta 0.55 vs PFLT's 0.79, lower leverage
PFLT carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 0.79, yield 13.5%
- Rev growth 2.2%, EPS growth -48.6%
- 72.6% 10Y total return vs ECCV's 20.2%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 2.2% NII/revenue growth vs ECCV's -14.9% | |
| Value | Lower P/E (7.9x vs 27.9x) | |
| Quality / Margins | Efficiency ratio 0.1% vs ECCV's 0.1% (lower = leaner) | |
| Stability / Safety | Beta 0.55 vs PFLT's 0.79, lower leverage | |
| Dividends | 13.5% yield, 3-year raise streak, vs ECCV's 7.3% | |
| Momentum (1Y) | +11.4% vs PFLT's +1.5% | |
| Efficiency (ROA) | Efficiency ratio 0.1% vs ECCV's 0.1% |
ECCV vs PFLT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
ECCV leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFLT and ECCV operate at a comparable scale, with $172M and $116M in trailing revenue. ECCV is the more profitable business, keeping 69.3% of every revenue dollar as net income compared to PFLT's 38.7%.
| Metric | ||
|---|---|---|
| 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% |
Valuation Metrics
PFLT leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 12.4x trailing earnings, PFLT trades at a 55% valuation discount to ECCV's 27.9x P/E. On an enterprise value basis, ECCV's 28.9x EV/EBITDA is more attractive than PFLT's 37.7x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $2.2B | $888M |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 27.88x | 12.43x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.40x |
| EV / EBITDAEnterprise value multiple | 28.88x | 37.66x |
| Price / SalesMarket cap ÷ Revenue | 19.31x | 5.18x |
| Price / BookPrice ÷ Book value/share | 2.39x | 0.77x |
| Price / FCFMarket cap ÷ FCF | 21.63x | 9.34x |
Profitability & Efficiency
ECCV 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 ECCV. ECCV 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 ECCV's 3/9, reflecting mixed financial health.
| Metric | ||
|---|---|---|
| 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 |
Total Returns (Dividends Reinvested)
ECCV leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECCV five years ago would be worth $12,020 today (with dividends reinvested), compared to $11,718 for PFLT. Over the past 12 months, ECCV leads with a +11.4% total return vs PFLT's +1.5%. The 3-year compound annual growth rate (CAGR) favors ECCV at 8.9% vs PFLT's 5.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +2.5% | -0.4% |
| 1-Year ReturnPast 12 months | +11.4% | +1.5% |
| 3-Year ReturnCumulative with dividends | +29.1% | +18.2% |
| 5-Year ReturnCumulative with dividends | +20.2% | +17.2% |
| 10-Year ReturnCumulative with dividends | +20.2% | +72.6% |
| CAGR (3Y)Annualised 3-year return | +8.9% | +5.7% |
Risk & Volatility
ECCV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ECCV is the less volatile stock with a 0.55 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. ECCV currently trades 98.4% from its 52-week high vs PFLT's 82.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.55x | 0.79x |
| 52-Week HighHighest price in past year | $24.37 | $10.88 |
| 52-Week LowLowest price in past year | $7.45 | $7.68 |
| % of 52W HighCurrent price vs 52-week peak | +98.4% | +82.3% |
| RSI (14)Momentum oscillator 0–100 | 62.7 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 7K | 987K |
Analyst Outlook
PFLT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, PFLT offers the higher dividend yield at 13.47% vs ECCV's 7.32%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $10.50 |
| # AnalystsCovering analysts | — | 11 |
| Dividend YieldAnnual dividend ÷ price | +7.3% | +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% |
ECCV leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PFLT leads in 2 (Valuation Metrics, Analyst Outlook).
ECCV vs PFLT: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is ECCV 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. (ECCV). PennantPark Floating Rate Capital Ltd. (PFLT) offers the better valuation at 12. 4x trailing P/E (7. 9x forward), making it the more compelling value choice. Analysts rate PennantPark Floating Rate Capital Ltd. (PFLT) 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 — ECCV or PFLT?
On trailing P/E, PennantPark Floating Rate Capital Ltd.
(PFLT) is the cheapest at 12. 4x versus Eagle Point Credit Company Inc. at 27. 9x.
03Which is the better long-term investment — ECCV or PFLT?
Over the past 5 years, Eagle Point Credit Company Inc.
(ECCV) delivered a total return of +20. 2%, compared to +17. 2% for PennantPark Floating Rate Capital Ltd. (PFLT). Over 10 years, the gap is even starker: PFLT returned +72. 6% versus ECCV's +20. 2%. 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 — ECCV or PFLT?
By beta (market sensitivity over 5 years), Eagle Point Credit Company Inc.
(ECCV) is the lower-risk stock at 0. 55β versus PennantPark Floating Rate Capital Ltd. 's 0. 79β — meaning PFLT is approximately 44% more volatile than ECCV relative to the S&P 500. On balance sheet safety, Eagle Point Credit Company Inc. (ECCV) 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 — ECCV 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. (ECCV). 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 — ECCV or PFLT?
Eagle Point Credit Company Inc.
(ECCV) 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: ECCV leads at 73. 7% versus 39. 4% for PFLT. At the gross margin level — before operating expenses — ECCV 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.
07Which pays a better dividend — ECCV or PFLT?
All stocks in this comparison pay dividends.
PennantPark Floating Rate Capital Ltd. (PFLT) offers the highest yield at 13. 5%, versus 7. 3% for Eagle Point Credit Company Inc. (ECCV).
08Is ECCV or PFLT better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Credit Company Inc.
(ECCV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 55), 7. 3% yield). Both have compounded well over 10 years (ECCV: +20. 2%, 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.
09What are the main differences between ECCV 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.
In terms of investment character: ECCV is a small-cap income-oriented stock; PFLT is a small-cap deep-value 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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