OCCI
OFS Credit Company, Inc.
Asset Management
Market Cap$96M
5Y Perf.-65.1%
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Stock Comparison
OCCI vs FSCO vs OXLC vs ECC
Revenue, margins, valuation, and 5-year total return — side by side.
FSCO
FS Credit Opportunities Corp.
Asset Management
Market Cap$1.02B
5Y Perf.+0.5%
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$989M
5Y Perf.-60.4%
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$560M
5Y Perf.-61.0%
OCCI vs FSCO vs OXLC vs ECC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCCI | FSCO | OXLC | ECC |
|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management |
| Market Cap | $96M | $1.02B | $989M | $560M |
| Revenue (TTM) | $41M | $254M | $96M | $116M |
| Net Income (TTM) | $-10M | $188M | $189M | $34M |
| Gross Margin | 70.8% | 81.3% | 59.8% | 84.2% |
| Operating Margin | -5.5% | 77.5% | 50.6% | 73.7% |
| Forward P/E | 2.3x | 5.4x | 2.6x | 4.7x |
| Total Debt | $114M | $453M | $487M | $272M |
| Cash & Equiv. | $14M | $189M | $295M | $42M |
OCCI vs FSCO vs OXLC vs ECC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCCI
FSCO
OXLC
ECC
| Stock | Nov 22 | May 26 | Return |
|---|---|---|---|
| OFS Credit Company,… (OCCI) | 100 | 34.9 | -65.1% |
| FS Credit Opportuni… (FSCO) | 100 | 100.5 | +0.5% |
| Oxford Lane Capital… (OXLC) | 100 | 39.6 | -60.4% |
| Eagle Point Credit … (ECC) | 100 | 39.0 | -61.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCCI vs FSCO vs OXLC vs ECC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FSCO leads in 3 of 7 categories, making it the strongest pick for profitability and margin quality and recent price momentum and sentiment. OFS Credit Company, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. OXLC and ECC also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
OCCI
OFS Credit Company, Inc.
The Banking Pick
OCCI is the #2 pick in this set and the best alternative if income & stability and bank quality is your priority.
- Dividend streak 2 yrs, beta 0.64, yield 35.3%
- NIM 13.7% vs FSCO's 8.9%
- 117.0% NII/revenue growth vs OXLC's -65.7%
- Lower P/E (2.3x vs 2.6x)
Best for: income & stability and bank quality
FSCO
FS Credit Opportunities Corp.
The Banking Pick
FSCO carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 70.5% 10Y total return vs ECC's 34.8%
- Efficiency ratio 0.0% vs OCCI's 0.8% (lower = leaner)
- -16.4% vs OXLC's -36.6%
- Efficiency ratio 0.0% vs OCCI's 0.8%
Best for: long-term compounding
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC is the clearest fit if your priority is 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
- Beta 0.62 vs ECC's 0.68, lower leverage
Best for: sleep-well-at-night and defensive
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the clearest fit if your priority is growth exposure.
- Rev growth -14.9%, EPS growth -50.6%
- 41.0% yield, vs FSCO's 13.9%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OCCI | 117.0% NII/revenue growth vs OXLC's -65.7% |
| Value | OCCI | Lower P/E (2.3x vs 2.6x) |
| Quality / Margins | FSCO | Efficiency ratio 0.0% vs OCCI's 0.8% (lower = leaner) |
| Stability / Safety | OXLC | Beta 0.62 vs ECC's 0.68, lower leverage |
| Dividends | ECC | 41.0% yield, vs FSCO's 13.9% |
| Momentum (1Y) | FSCO | -16.4% vs OXLC's -36.6% |
| Efficiency (ROA) | FSCO | Efficiency ratio 0.0% vs OCCI's 0.8% |
OCCI vs FSCO vs OXLC vs ECC — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFSCOLAGGINGOXLC
Who Leads Where
FSCO leads in 2 of 6 categories
ECC leads 1 • OCCI leads 1 • OXLC leads 0 • 2 tied
Explore the data ↓OXLCOxford Lane Capital C…
0leads
ECCEagle Point Credit Co…
1leads
OCCIOFS Credit Company, I…
1leads
FSCOFS Credit Opportuniti…
2leads
6 Total Categories
CATEGORYLEADERvs OCCIvs ECCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ECC3/5
Valuation MetricsMultiples, price ratios, and targets
OCCI4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FSCO4/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FSCO6/6
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 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FSCO is the larger business by revenue, generating $254M annually — 6.3x OCCI's $41M. FSCO is the more profitable business, keeping 74.2% of every revenue dollar as net income compared to OCCI's -24.4%.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $41M | $254M | $96M | $116M |
| EBITDAEarnings before interest/tax | -$7M | — | $271M | $63M |
| Net IncomeAfter-tax profit | -$10M | — | $189M | $34M |
| Free Cash FlowCash after capex | $35M | — | $1.5B | $65M |
| Gross MarginGross profit ÷ Revenue | +70.8% | +81.3% | +59.8% | +84.2% |
| Operating MarginEBIT ÷ Revenue | -5.5% | +77.5% | +50.6% | +73.7% |
| Net MarginNet income ÷ Revenue | -24.4% | +74.2% | +50.6% | +69.3% |
| FCF MarginFCF ÷ Revenue | +85.2% | +26.5% | -7.3% | +89.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -2.2% | — | -7.7% | +3.9% |
ECC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OCCI leads this category, winning 4 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, FSCO's 6.5x EV/EBITDA is more attractive than OXLC's 24.4x.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| Market CapShares × price | $96M | $1.0B | $989M | $560M |
| Enterprise ValueMkt cap + debt − cash | $196M | $1.3B | $1.2B | $790M |
| Trailing P/EPrice ÷ TTM EPS | -8.74x | 5.42x | 95.23x | 4.98x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.27x | — | 2.55x | 4.66x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | — | 6.53x | 24.35x | 9.24x |
| Price / SalesMarket cap ÷ Revenue | 2.36x | 4.02x | 10.32x | 4.83x |
| Price / BookPrice ÷ Book value/share | 0.57x | 0.72x | 0.47x | 0.43x |
| Price / FCFMarket cap ÷ FCF | 2.77x | 15.21x | — | 5.41x |
OCCI leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
FSCO leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
FSCO delivers a 13.5% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-6 for OCCI. OXLC carries lower financial leverage with a 0.25x 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 OXLC's 2/9, reflecting solid financial health.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | -6.1% | +13.5% | +10.2% | +3.1% |
| ROA (TTM)Return on assets | -3.6% | +8.5% | +7.1% | +2.2% |
| ROICReturn on invested capital | -0.8% | +8.1% | +1.9% | +6.1% |
| ROCEReturn on capital employed | -0.9% | +9.0% | +2.1% | +7.1% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 | 2 | 3 |
| Debt / EquityFinancial leverage | 0.74x | 0.32x | 0.25x | 0.29x |
| Net DebtTotal debt minus cash | $100M | $264M | $192M | $230M |
| Cash & Equiv.Liquid assets | $14M | $189M | $295M | $42M |
| Total DebtShort + long-term debt | $114M | $453M | $487M | $272M |
| Interest CoverageEBIT ÷ Interest expense | 1.95x | 4.14x | 1.26x | 12.34x |
FSCO leads this category, winning 4 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FSCO leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FSCO five years ago would be worth $17,050 today (with dividends reinvested), compared to $8,575 for OCCI. Over the past 12 months, FSCO leads with a -16.4% total return vs OXLC's -36.6%. The 3-year compound annual growth rate (CAGR) favors FSCO at 19.7% vs ECC's -6.0% — a key indicator of consistent wealth creation.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -23.0% | -15.0% | -23.1% | -19.3% |
| 1-Year ReturnPast 12 months | -29.7% | -16.4% | -36.6% | -27.9% |
| 3-Year ReturnCumulative with dividends | -10.6% | +71.3% | -3.4% | -17.0% |
| 5-Year ReturnCumulative with dividends | -14.2% | +70.5% | -5.6% | +7.5% |
| 10-Year ReturnCumulative with dividends | -7.5% | +70.5% | +24.0% | +34.8% |
| CAGR (3Y)Annualised 3-year return | -3.7% | +19.7% | -1.1% | -6.0% |
FSCO leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FSCO and OXLC each lead in 1 of 2 comparable metrics.
Risk & Volatility
OXLC is the less volatile stock with a 0.62 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. FSCO currently trades 67.3% from its 52-week high vs OXLC's 40.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.64x | 0.64x | 0.62x | 0.68x |
| 52-Week HighHighest price in past year | $6.82 | $7.65 | $24.90 | $8.23 |
| 52-Week LowLowest price in past year | $2.62 | $4.13 | $8.01 | $3.46 |
| % of 52W HighCurrent price vs 52-week peak | +50.0% | +67.3% | +40.9% | +52.0% |
| RSI (14)Momentum oscillator 0–100 | 68.3 | 54.0 | 52.7 | 61.8 |
| Avg Volume (50D)Average daily shares traded | 299K | 2.0M | 1.5M | 1.7M |
Evenly matched — FSCO and OXLC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — FSCO and ECC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: OCCI as "Hold", OXLC as "Buy", ECC as "Buy". For income investors, ECC offers the higher dividend yield at 40.99% vs FSCO's 13.94%.
| Metric | OCCIOFS Credit Compan… | FSCOFS Credit Opportu… | OXLCOxford Lane Capit… | ECCEagle Point Credi… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | — | Buy | Buy |
| Price TargetConsensus 12-month target | — | — | — | $4.75 |
| # AnalystsCovering analysts | 1 | — | 4 | 11 |
| Dividend YieldAnnual dividend ÷ price | +35.3% | +13.9% | +33.4% | +41.0% |
| Dividend StreakConsecutive years of raises | 2 | 3 | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.20 | $0.72 | $3.40 | $1.75 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% |
Evenly matched — FSCO and ECC each lead in 1 of 2 comparable metrics.
Key Takeaway
FSCO leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). ECC leads in 1 (Income & Cash Flow). 2 tied.
Best OverallFS Credit Opportunities Cor… (FSCO)Leads 2 of 6 categories
Loading custom metrics...
OCCI vs FSCO vs OXLC vs ECC: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is OCCI or FSCO or OXLC 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 -65. 7% for Oxford Lane Capital Corp. (OXLC). 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 Oxford Lane Capital Corp. (OXLC) a "Buy" — based on 4 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 FSCO or OXLC or ECC?
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, 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 FSCO or OXLC or ECC?
Over the past 5 years, FS Credit Opportunities Corp.
(FSCO) delivered a total return of +70. 5%, compared to -14. 2% for OFS Credit Company, Inc. (OCCI). Over 10 years, the gap is even starker: FSCO returned +70. 5% versus OCCI's -7. 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 — OCCI or FSCO or OXLC or ECC?
By beta (market sensitivity over 5 years), Oxford Lane Capital Corp.
(OXLC) is the lower-risk stock at 0. 62β versus Eagle Point Credit Company Inc. 's 0. 68β — meaning ECC is approximately 10% more volatile than OXLC relative to the S&P 500. On balance sheet safety, Oxford Lane Capital Corp. (OXLC) carries a lower debt/equity ratio of 25% versus 74% for OFS Credit Company, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OCCI or FSCO or OXLC or ECC?
By revenue growth (latest reported year), OFS Credit Company, Inc.
(OCCI) is pulling ahead at 117. 0% versus -65. 7% for Oxford Lane Capital Corp. (OXLC). On earnings-per-share growth, the picture is similar: FS Credit Opportunities Corp. grew EPS -22. 8% 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 FSCO or OXLC or ECC?
FS Credit Opportunities Corp.
(FSCO) is the more profitable company, earning 74. 2% net margin versus -24. 4% for OFS Credit Company, Inc. — meaning it keeps 74. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FSCO leads at 77. 5% 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 FSCO or OXLC or ECC more undervalued right now?
On forward earnings alone, OFS Credit Company, Inc.
(OCCI) trades at 2. 3x forward P/E versus 4. 7x for Eagle Point Credit Company Inc. — 2. 4x cheaper on a one-year earnings basis.
08Which pays a better dividend — OCCI or FSCO or OXLC or ECC?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 0%, versus 13. 9% for FS Credit Opportunities Corp. (FSCO).
09Is OCCI or FSCO or OXLC or ECC better for a retirement portfolio?
For long-horizon retirement investors, FS Credit Opportunities Corp.
(FSCO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 64), 13. 9% yield). Both have compounded well over 10 years (FSCO: +70. 5%, ECC: +34. 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 FSCO and OXLC 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; FSCO is a small-cap deep-value stock; OXLC is a small-cap income-oriented 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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