OCCI
OFS Credit Company, Inc.
Asset Management
Market Cap$95M
5Y Perf.-64.3%
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Stock Comparison
OCCI vs ECC
Revenue, margins, valuation, and 5-year total return — side by side.
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$552M
5Y Perf.-42.4%
OCCI vs ECC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCCI | ECC |
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $95M | $552M |
| Revenue (TTM) | $41M | $116M |
| Net Income (TTM) | $-10M | $34M |
| Gross Margin | 70.8% | 84.2% |
| Operating Margin | -5.5% | 73.7% |
| Forward P/E | 2.3x | 4.6x |
| Total Debt | $114M | $272M |
| Cash & Equiv. | $14M | $42M |
OCCI vs ECC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCCI
ECC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| OFS Credit Company,… (OCCI) | 100 | 35.7 | -64.3% |
| Eagle Point Credit … (ECC) | 100 | 57.6 | -42.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCCI vs ECC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OCCI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Eagle Point Credit Company Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
OCCI
OFS Credit Company, Inc.
The Banking Pick
OCCI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.64, yield 35.7%
- Rev growth 117.0%, EPS growth -143.3%
- Lower volatility, beta 0.64, Low D/E 74.4%, current ratio 3.99x
Best for: income & stability and growth exposure
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the clearest fit if your priority is long-term compounding.
- 33.8% 10Y total return vs OCCI's -7.7%
- Efficiency ratio 0.1% vs OCCI's 0.8% (lower = leaner)
- -28.3% vs OCCI's -30.0%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OCCI | 117.0% NII/revenue growth vs ECC's -14.9% |
| Value | OCCI | Lower P/E (2.3x vs 4.6x) |
| Quality / Margins | ECC | Efficiency ratio 0.1% vs OCCI's 0.8% (lower = leaner) |
| Stability / Safety | OCCI | Beta 0.64 vs ECC's 0.68 |
| Dividends | OCCI | 35.7% yield, 2-year raise streak, vs ECC's 41.6% |
| Momentum (1Y) | ECC | -28.3% vs OCCI's -30.0% |
| Efficiency (ROA) | ECC | Efficiency ratio 0.1% vs OCCI's 0.8% |
OCCI vs ECC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLECCLAGGINGOCCI
OCCIOFS Credit Company, I…
1leads
ECCEagle Point Credit Co…
3leads
6 Total Categories
CATEGORYLEADERvs OCCIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ECC5/5
Valuation MetricsMultiples, price ratios, and targets
OCCI4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ECC6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ECC4/6
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 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ECC is the larger business by revenue, generating $116M annually — 2.9x OCCI's $41M. ECC is the more profitable business, keeping 69.3% of every revenue dollar as net income compared to OCCI's -24.4%.
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| RevenueTrailing 12 months | $41M | $116M |
| EBITDAEarnings before interest/tax | -$7M | $63M |
| Net IncomeAfter-tax profit | -$10M | $34M |
| Free Cash FlowCash after capex | $35M | $65M |
| Gross MarginGross profit ÷ Revenue | +70.8% | +84.2% |
| Operating MarginEBIT ÷ Revenue | -5.5% | +73.7% |
| Net MarginNet income ÷ Revenue | -24.4% | +69.3% |
| FCF MarginFCF ÷ Revenue | +85.2% | +89.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -2.2% | +3.9% |
ECC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
OCCI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| Market CapShares × price | $95M | $552M |
| Enterprise ValueMkt cap + debt − cash | $195M | $782M |
| Trailing P/EPrice ÷ TTM EPS | -8.65x | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.25x | 4.60x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 9.15x |
| Price / SalesMarket cap ÷ Revenue | 2.33x | 4.76x |
| Price / BookPrice ÷ Book value/share | 0.56x | 0.42x |
| Price / FCFMarket cap ÷ FCF | 2.74x | 5.33x |
OCCI leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
ECC leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
ECC delivers a 3.1% return on equity — every $100 of shareholder capital generates $3 in annual profit, vs $-6 for OCCI. ECC carries lower financial leverage with a 0.29x debt-to-equity ratio, signaling a more conservative balance sheet compared to OCCI's 0.74x. On the Piotroski fundamental quality scale (0–9), OCCI scores 5/9 vs ECC's 3/9, reflecting solid financial health.
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| ROE (TTM)Return on equity | -6.1% | +3.1% |
| ROA (TTM)Return on assets | -3.6% | +2.2% |
| ROICReturn on invested capital | -0.8% | +6.1% |
| ROCEReturn on capital employed | -0.9% | +7.1% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 |
| Debt / EquityFinancial leverage | 0.74x | 0.29x |
| Net DebtTotal debt minus cash | $100M | $230M |
| Cash & Equiv.Liquid assets | $14M | $42M |
| Total DebtShort + long-term debt | $114M | $272M |
| Interest CoverageEBIT ÷ Interest expense | 1.95x | 12.34x |
ECC leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ECC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECC five years ago would be worth $10,651 today (with dividends reinvested), compared to $8,612 for OCCI. Over the past 12 months, ECC leads with a -28.3% total return vs OCCI's -30.0%. The 3-year compound annual growth rate (CAGR) favors OCCI at -3.8% vs ECC's -6.2% — a key indicator of consistent wealth creation.
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| YTD ReturnYear-to-date | -23.8% | -20.3% |
| 1-Year ReturnPast 12 months | -30.0% | -28.3% |
| 3-Year ReturnCumulative with dividends | -11.0% | -17.5% |
| 5-Year ReturnCumulative with dividends | -13.9% | +6.5% |
| 10-Year ReturnCumulative with dividends | -7.7% | +33.8% |
| CAGR (3Y)Annualised 3-year return | -3.8% | -6.2% |
ECC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — OCCI and ECC each lead in 1 of 2 comparable metrics.
Risk & Volatility
OCCI is the less volatile stock with a 0.64 beta — it tends to amplify market swings less than ECC's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.64x | 0.68x |
| 52-Week HighHighest price in past year | $6.82 | $8.23 |
| 52-Week LowLowest price in past year | $2.62 | $3.46 |
| % of 52W HighCurrent price vs 52-week peak | +49.5% | +51.3% |
| RSI (14)Momentum oscillator 0–100 | 67.0 | 62.6 |
| Avg Volume (50D)Average daily shares traded | 308K | 1.7M |
Evenly matched — OCCI and ECC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — OCCI and ECC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OCCI as "Hold" and ECC as "Buy". For income investors, ECC offers the higher dividend yield at 41.58% vs OCCI's 35.65%.
| Metric | OCCIOFS Credit Compan… | ECCEagle Point Credi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $4.75 |
| # AnalystsCovering analysts | 1 | 11 |
| Dividend YieldAnnual dividend ÷ price | +35.7% | +41.6% |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | $1.20 | $1.75 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Evenly matched — OCCI and ECC each lead in 1 of 2 comparable metrics.
Key Takeaway
ECC leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OCCI leads in 1 (Valuation Metrics). 2 tied.
Best OverallEagle Point Credit Company … (ECC)Leads 3 of 6 categories
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OCCI vs ECC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OCCI or ECC a better buy right now?
For growth investors, OFS Credit Company, Inc.
(OCCI) is the stronger pick with 117. 0% 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 4. 9x trailing P/E (4. 6x 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 — OCCI or ECC?
On forward P/E, OFS Credit Company, Inc.
is actually cheaper at 2. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OCCI or ECC?
Over the past 5 years, Eagle Point Credit Company Inc.
(ECC) delivered a total return of +6. 5%, compared to -13. 9% for OFS Credit Company, Inc. (OCCI). Over 10 years, the gap is even starker: ECC returned +33. 8% versus OCCI's -7. 7%. 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 — OCCI or ECC?
By beta (market sensitivity over 5 years), OFS Credit Company, Inc.
(OCCI) is the lower-risk stock at 0. 64β versus Eagle Point Credit Company Inc. 's 0. 68β — meaning ECC is approximately 6% more volatile than OCCI 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 74% for OFS Credit Company, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OCCI or ECC?
By revenue growth (latest reported year), OFS Credit Company, Inc.
(OCCI) is pulling ahead at 117. 0% versus -14. 9% for Eagle Point Credit Company Inc. (ECC). On earnings-per-share growth, the picture is similar: Eagle Point Credit Company Inc. grew EPS -50. 6% year-over-year, compared to -143. 3% for OFS 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 — OCCI or ECC?
Eagle Point Credit Company Inc.
(ECC) is the more profitable company, earning 69. 3% net margin versus -24. 4% for OFS Credit Company, Inc. — 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 -5. 5% for OCCI. 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 OCCI or ECC more undervalued right now?
On forward earnings alone, OFS Credit Company, Inc.
(OCCI) trades at 2. 3x forward P/E versus 4. 6x for Eagle Point Credit Company Inc. — 2. 3x cheaper on a one-year earnings basis.
08Which pays a better dividend — OCCI or ECC?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 6%, versus 35. 7% for OFS Credit Company, Inc. (OCCI).
09Is OCCI or ECC better for a retirement portfolio?
For long-horizon retirement investors, OFS Credit Company, Inc.
(OCCI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 64), 35. 7% yield). Both have compounded well over 10 years (OCCI: -7. 7%, ECC: +33. 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 OCCI and ECC?
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: OCCI is a small-cap high-growth stock; ECC 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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