OXLCI
Oxford Lane Capital Corp.
Asset Management
Market Cap$6.12B
5Y Perf.-0.5%
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Stock Comparison
OXLCI vs ECC vs OXLC vs PFLT
Revenue, margins, valuation, and 5-year total return — side by side.
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$560M
5Y Perf.-57.0%
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$989M
5Y Perf.-63.2%
PFLT
PennantPark Floating Rate Capital Ltd.
Asset Management
Market Cap$888M
5Y Perf.-20.0%
OXLCI vs ECC vs OXLC vs PFLT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OXLCI | ECC | OXLC | PFLT |
|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management |
| Market Cap | $6.12B | $560M | $989M | $888M |
| Revenue (TTM) | $307M | $116M | $96M | $172M |
| Net Income (TTM) | $545M | $34M | $189M | $118M |
| Gross Margin | 74.7% | 84.2% | 59.8% | 45.6% |
| Operating Margin | 73.4% | 73.7% | 50.6% | 39.4% |
| Forward P/E | 6.4x | 4.7x | 2.6x | 7.9x |
| Total Debt | $478M | $272M | $487M | $1.78B |
| Cash & Equiv. | $43M | $42M | $295M | $123M |
OXLCI vs ECC vs OXLC vs PFLT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OXLCI
ECC
OXLC
PFLT
| Stock | Jul 24 | May 26 | Return |
|---|---|---|---|
| Oxford Lane Capital… (OXLCI) | 100 | 99.5 | -0.5% |
| Eagle Point Credit … (ECC) | 100 | 43.0 | -57.0% |
| Oxford Lane Capital… (OXLC) | 100 | 36.8 | -63.2% |
| PennantPark Floatin… (PFLT) | 100 | 80.0 | -20.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OXLCI vs ECC vs OXLC vs PFLT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OXLCI leads in 3 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Eagle Point Credit Company Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. PFLT also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
OXLCI
Oxford Lane Capital Corp.
The Banking Pick
OXLCI carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 26.9%, EPS growth 186.0%
- 26.9% NII/revenue growth vs OXLC's -65.7%
- Beta 0.57 vs PFLT's 0.79, lower leverage
- +9.5% vs OXLC's -36.6%
Best for: growth exposure
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the #2 pick in this set and the best alternative if income & stability and bank quality is your priority.
- Dividend streak 0 yrs, beta 0.68, yield 41.0%
- NIM 10.2% vs PFLT's 5.0%
- Lower P/E (4.7x vs 7.9x)
- 41.0% yield, vs PFLT's 13.5%
Best for: income & stability and bank quality
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
Best for: sleep-well-at-night and defensive
PFLT
PennantPark Floating Rate Capital Ltd.
The Banking Pick
PFLT is the clearest fit if your priority is long-term compounding.
- 72.6% 10Y total return vs ECC's 34.8%
- Efficiency ratio 0.1% vs OXLCI's 0.3% (lower = leaner)
- Efficiency ratio 0.1% vs OXLCI's 0.3%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OXLCI | 26.9% NII/revenue growth vs OXLC's -65.7% |
| Value | ECC | Lower P/E (4.7x vs 7.9x) |
| Quality / Margins | PFLT | Efficiency ratio 0.1% vs OXLCI's 0.3% (lower = leaner) |
| Stability / Safety | OXLCI | Beta 0.57 vs PFLT's 0.79, lower leverage |
| Dividends | ECC | 41.0% yield, vs PFLT's 13.5% |
| Momentum (1Y) | OXLCI | +9.5% vs OXLC's -36.6% |
| Efficiency (ROA) | PFLT | Efficiency ratio 0.1% vs OXLCI's 0.3% |
OXLCI vs ECC vs OXLC vs PFLT — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOXLCILAGGINGOXLC
Who Leads Where
ECC leads in 2 of 6 categories
OXLCI leads 2 • PFLT leads 1 • OXLC leads 0 • 1 tied
Explore the data ↓OXLCOxford Lane Capital C…
0leads
PFLTPennantPark Floating …
1leads
ECCEagle Point Credit Co…
2leads
OXLCIOxford Lane Capital C…
2leads
6 Total Categories
CATEGORYLEADERvs ECCvs PFLTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ECC3/5
Valuation MetricsMultiples, price ratios, and targets
ECC5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OXLCI5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PFLT4/6
Risk & VolatilityBeta, volatility, and downside exposure
OXLCI2/2
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)
OXLCI is the larger business by revenue, generating $307M annually — 3.2x OXLC's $96M. OXLCI is the more profitable business, keeping 76.6% of every revenue dollar as net income compared to PFLT's 38.7%.
| Metric | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $307M | $116M | $96M | $172M |
| EBITDAEarnings before interest/tax | $338M | $63M | $271M | $39M |
| Net IncomeAfter-tax profit | $545M | $34M | $189M | $118M |
| Free Cash FlowCash after capex | $782M | $65M | $1.5B | $242M |
| Gross MarginGross profit ÷ Revenue | +74.7% | +84.2% | +59.8% | +45.6% |
| Operating MarginEBIT ÷ Revenue | +73.4% | +73.7% | +50.6% | +39.4% |
| Net MarginNet income ÷ Revenue | +76.6% | +69.3% | +50.6% | +38.7% |
| FCF MarginFCF ÷ Revenue | -40.4% | +89.3% | -7.3% | +55.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | +3.9% | -7.7% | +40.9% |
ECC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
ECC leads this category, winning 5 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 PFLT's 37.7x.
| Metric | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| Market CapShares × price | $6.1B | $560M | $989M | $888M |
| Enterprise ValueMkt cap + debt − cash | $6.6B | $790M | $1.2B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 26.11x | 4.98x | 95.23x | 12.43x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.41x | 4.66x | 2.55x | 7.93x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 1.40x |
| EV / EBITDAEnterprise value multiple | — | 9.24x | 24.35x | 37.66x |
| Price / SalesMarket cap ÷ Revenue | 19.95x | 4.83x | 10.32x | 5.18x |
| Price / BookPrice ÷ Book value/share | 5.23x | 0.43x | 0.47x | 0.77x |
| Price / FCFMarket cap ÷ FCF | — | 5.41x | — | 9.34x |
ECC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
OXLCI leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
OXLCI delivers a 33.9% return on equity — every $100 of shareholder capital generates $34 in annual profit, vs $3 for ECC. OXLC carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFLT's 1.65x. On the Piotroski fundamental quality scale (0–9), OXLCI scores 5/9 vs OXLC's 2/9, reflecting solid financial health.
| Metric | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +33.9% | +3.1% | +10.2% | +11.2% |
| ROA (TTM)Return on assets | +24.4% | +2.2% | +7.1% | +4.3% |
| ROICReturn on invested capital | +11.4% | +6.1% | +1.9% | +2.1% |
| ROCEReturn on capital employed | +15.4% | +7.1% | +2.1% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 | 2 | 4 |
| Debt / EquityFinancial leverage | 0.41x | 0.29x | 0.25x | 1.65x |
| Net DebtTotal debt minus cash | $435M | $230M | $192M | $1.7B |
| Cash & Equiv.Liquid assets | $43M | $42M | $295M | $123M |
| Total DebtShort + long-term debt | $478M | $272M | $487M | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | — | 12.34x | 1.26x | 0.35x |
OXLCI leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PFLT leads this category, winning 4 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 $9,436 for OXLC. Over the past 12 months, OXLCI leads with a +9.5% total return vs OXLC's -36.6%. 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 | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +2.1% | -19.3% | -23.1% | -0.4% |
| 1-Year ReturnPast 12 months | +9.5% | -27.9% | -36.6% | +1.5% |
| 3-Year ReturnCumulative with dividends | +15.6% | -17.0% | -3.4% | +18.2% |
| 5-Year ReturnCumulative with dividends | +15.6% | +7.5% | -5.6% | +17.2% |
| 10-Year ReturnCumulative with dividends | +15.6% | +34.8% | +24.0% | +72.6% |
| CAGR (3Y)Annualised 3-year return | +5.0% | -6.0% | -1.1% | +5.7% |
PFLT leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
OXLCI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OXLCI is the less volatile stock with a 0.57 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. OXLCI currently trades 97.5% from its 52-week high vs OXLC's 40.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 0.68x | 0.62x | 0.79x |
| 52-Week HighHighest price in past year | $26.25 | $8.23 | $24.90 | $10.88 |
| 52-Week LowLowest price in past year | $7.89 | $3.46 | $8.01 | $7.68 |
| % of 52W HighCurrent price vs 52-week peak | +97.5% | +52.0% | +40.9% | +82.3% |
| RSI (14)Momentum oscillator 0–100 | 73.2 | 61.8 | 52.7 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 6K | 1.7M | 1.5M | 987K |
OXLCI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ECC as "Buy", OXLC as "Buy", 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 OXLCI's 2.72%.
| Metric | OXLCIOxford Lane Capit… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | PFLTPennantPark Float… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $4.75 | — | $10.50 |
| # AnalystsCovering analysts | — | 11 | 4 | 11 |
| Dividend YieldAnnual dividend ÷ price | +2.7% | +41.0% | +33.4% | +13.5% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 0 | 3 |
| Dividend / ShareAnnual DPS | $0.70 | $1.75 | $3.40 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% |
Evenly matched — ECC and PFLT each lead in 1 of 2 comparable metrics.
Key Takeaway
ECC leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). OXLCI leads in 2 (Profitability & Efficiency, Risk & Volatility). 1 tied.
Best OverallOxford Lane Capital Corp. (OXLCI)Leads 2 of 6 categories
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OXLCI vs ECC vs OXLC vs PFLT: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is OXLCI or ECC or OXLC or PFLT a better buy right now?
For growth investors, Oxford Lane Capital Corp.
(OXLCI) is the stronger pick with 26. 9% 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 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 — OXLCI or ECC or OXLC or PFLT?
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 — OXLCI or ECC or OXLC or PFLT?
Over the past 5 years, PennantPark Floating Rate Capital Ltd.
(PFLT) delivered a total return of +17. 2%, compared to -5. 6% for Oxford Lane Capital Corp. (OXLC). Over 10 years, the gap is even starker: PFLT returned +72. 6% versus OXLCI's +15. 6%. 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 — OXLCI or ECC or OXLC or PFLT?
By beta (market sensitivity over 5 years), Oxford Lane Capital Corp.
(OXLCI) is the lower-risk stock at 0. 57β versus PennantPark Floating Rate Capital Ltd. 's 0. 79β — meaning PFLT is approximately 39% more volatile than OXLCI relative to the S&P 500. On balance sheet safety, Oxford Lane Capital Corp. (OXLC) carries a lower debt/equity ratio of 25% versus 165% for PennantPark Floating Rate Capital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — OXLCI or ECC or OXLC or PFLT?
By revenue growth (latest reported year), Oxford Lane Capital Corp.
(OXLCI) is pulling ahead at 26. 9% versus -65. 7% for Oxford Lane Capital Corp. (OXLC). On earnings-per-share growth, the picture is similar: Oxford Lane Capital Corp. grew EPS 186. 0% year-over-year, compared to -90. 5% for Oxford Lane Capital Corp.. 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 — OXLCI or ECC or OXLC or PFLT?
Oxford Lane Capital Corp.
(OXLCI) is the more profitable company, earning 76. 6% net margin versus 38. 7% for PennantPark Floating Rate Capital Ltd. — meaning it keeps 76. 6% 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 OXLCI or ECC or OXLC or PFLT more undervalued right now?
On forward earnings alone, Oxford Lane Capital Corp.
(OXLC) trades at 2. 6x forward P/E versus 7. 9x for PennantPark Floating Rate Capital Ltd. — 5. 4x 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 — OXLCI or ECC or OXLC or PFLT?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 0%, versus 2. 7% for Oxford Lane Capital Corp. (OXLCI).
09Is OXLCI or ECC or OXLC or PFLT better for a retirement portfolio?
For long-horizon retirement investors, Oxford Lane Capital Corp.
(OXLCI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 57), 2. 7% yield). Both have compounded well over 10 years (OXLCI: +15. 6%, 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 OXLCI and ECC and OXLC 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: OXLCI is a small-cap high-growth stock; ECC is a small-cap deep-value stock; OXLC 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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Revenue Growth>
%
(OXLCI: 26.9% · ECC: -14.9%)Net Margin>
%
(OXLCI: 76.6% · ECC: 69.3%)P/E Ratio<
x
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