OXLCI
Oxford Lane Capital Corp.
Asset Management
Market Cap$6.12B
5Y Perf.-0.5%
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Stock Comparison
OXLCI vs ECCX
Revenue, margins, valuation, and 5-year total return — side by side.
ECCX
Eagle Point Credit Company Inc. 6.6875% NT 28
Asset Management
Market Cap$2.35B
5Y Perf.+1.7%
OXLCI vs ECCX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OXLCI | ECCX |
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $6.12B | $2.35B |
| Revenue (TTM) | $307M | $116M |
| Net Income (TTM) | $545M | $34M |
| Gross Margin | 74.7% | 84.2% |
| Operating Margin | 73.4% | 73.7% |
| Forward P/E | 6.4x | 29.3x |
| Total Debt | $478M | $272M |
| Cash & Equiv. | $43M | $42M |
OXLCI vs ECCX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OXLCI
ECCX
| Stock | Jul 24 | May 26 | Return |
|---|---|---|---|
| Oxford Lane Capital… (OXLCI) | 100 | 99.5 | -0.5% |
| Eagle Point Credit … (ECCX) | 100 | 101.7 | +1.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OXLCI vs ECCX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ECCX leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Oxford Lane Capital Corp. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
OXLCI
Oxford Lane Capital Corp.
The Banking Pick
OXLCI is the clearest fit if your priority is growth exposure.
- Rev growth 26.9%, EPS growth 186.0%
- 26.9% NII/revenue growth vs ECCX's -14.9%
- Lower P/E (6.4x vs 29.3x)
Best for: growth exposure
ECCX
Eagle Point Credit Company Inc. 6.6875% NT 28
The Banking Pick
ECCX carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.50, yield 7.0%
- 59.2% 10Y total return vs OXLCI's 15.6%
- Lower volatility, beta 0.50, Low D/E 29.0%, current ratio 2.22x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OXLCI | 26.9% NII/revenue growth vs ECCX's -14.9% |
| Value | OXLCI | Lower P/E (6.4x vs 29.3x) |
| Quality / Margins | ECCX | Efficiency ratio 0.1% vs OXLCI's 0.3% (lower = leaner) |
| Stability / Safety | ECCX | Beta 0.50 vs OXLCI's 0.57, lower leverage |
| Dividends | ECCX | 7.0% yield, vs OXLCI's 2.7% |
| Momentum (1Y) | OXLCI | +9.5% vs ECCX's +9.4% |
| Efficiency (ROA) | ECCX | Efficiency ratio 0.1% vs OXLCI's 0.3% |
OXLCI vs ECCX — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLECCXLAGGINGOXLCI
OXLCIOxford Lane Capital C…
2leads
ECCXEagle Point Credit Co…
4leads
6 Total Categories
CATEGORYLEADERvs OXLCIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ECCX4/5
Valuation MetricsMultiples, price ratios, and targets
OXLCI2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OXLCI5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ECCX5/6
Risk & VolatilityBeta, volatility, and downside exposure
ECCX2/2
Analyst OutlookRatings, price targets, and dividends
ECCX1/1
Income & Cash Flow (Last 12 Months)
ECCX leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OXLCI is the larger business by revenue, generating $307M annually — 2.6x ECCX's $116M. OXLCI is the more profitable business, keeping 76.6% of every revenue dollar as net income compared to ECCX's 69.3%.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| RevenueTrailing 12 months | $307M | $116M |
| EBITDAEarnings before interest/tax | $338M | $63M |
| Net IncomeAfter-tax profit | $545M | $34M |
| Free Cash FlowCash after capex | $782M | $65M |
| Gross MarginGross profit ÷ Revenue | +74.7% | +84.2% |
| Operating MarginEBIT ÷ Revenue | +73.4% | +73.7% |
| Net MarginNet income ÷ Revenue | +76.6% | +69.3% |
| FCF MarginFCF ÷ Revenue | -40.4% | +89.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | +3.9% |
ECCX leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OXLCI leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
At 26.1x trailing earnings, OXLCI trades at a 11% valuation discount to ECCX's 29.3x P/E.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| Market CapShares × price | $6.1B | $2.4B |
| Enterprise ValueMkt cap + debt − cash | $6.6B | $2.6B |
| Trailing P/EPrice ÷ TTM EPS | 26.11x | 29.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.41x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 30.18x |
| Price / SalesMarket cap ÷ Revenue | 19.95x | 20.27x |
| Price / BookPrice ÷ Book value/share | 5.23x | 2.51x |
| Price / FCFMarket cap ÷ FCF | — | 22.70x |
OXLCI leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
OXLCI leads this category, winning 5 of 8 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 ECCX. ECCX carries lower financial leverage with a 0.29x debt-to-equity ratio, signaling a more conservative balance sheet compared to OXLCI's 0.41x. On the Piotroski fundamental quality scale (0–9), OXLCI scores 5/9 vs ECCX's 3/9, reflecting solid financial health.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| ROE (TTM)Return on equity | +33.9% | +3.1% |
| ROA (TTM)Return on assets | +24.4% | +2.2% |
| ROICReturn on invested capital | +11.4% | +6.1% |
| ROCEReturn on capital employed | +15.4% | +7.1% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 |
| Debt / EquityFinancial leverage | 0.41x | 0.29x |
| Net DebtTotal debt minus cash | $435M | $230M |
| Cash & Equiv.Liquid assets | $43M | $42M |
| Total DebtShort + long-term debt | $478M | $272M |
| Interest CoverageEBIT ÷ Interest expense | — | 12.34x |
OXLCI leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
ECCX leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECCX five years ago would be worth $13,464 today (with dividends reinvested), compared to $11,563 for OXLCI. Over the past 12 months, OXLCI leads with a +9.5% total return vs ECCX's +9.4%. The 3-year compound annual growth rate (CAGR) favors ECCX at 9.3% vs OXLCI's 5.0% — a key indicator of consistent wealth creation.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| YTD ReturnYear-to-date | +2.1% | +2.6% |
| 1-Year ReturnPast 12 months | +9.5% | +9.4% |
| 3-Year ReturnCumulative with dividends | +15.6% | +30.5% |
| 5-Year ReturnCumulative with dividends | +15.6% | +34.6% |
| 10-Year ReturnCumulative with dividends | +15.6% | +59.2% |
| CAGR (3Y)Annualised 3-year return | +5.0% | +9.3% |
ECCX leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
ECCX leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ECCX is the less volatile stock with a 0.50 beta — it tends to amplify market swings less than OXLCI's 0.57 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 0.50x |
| 52-Week HighHighest price in past year | $26.25 | $25.26 |
| 52-Week LowLowest price in past year | $7.89 | $6.58 |
| % of 52W HighCurrent price vs 52-week peak | +97.5% | +99.6% |
| RSI (14)Momentum oscillator 0–100 | 73.2 | 75.2 |
| Avg Volume (50D)Average daily shares traded | 6K | 3K |
ECCX leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
ECCX leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, ECCX offers the higher dividend yield at 6.97% vs OXLCI's 2.72%.
| Metric | OXLCIOxford Lane Capit… | ECCXEagle Point Credi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +2.7% | +7.0% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.70 | $1.75 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
ECCX leads this category, winning 1 of 1 comparable metric.
Key Takeaway
ECCX leads in 4 of 6 categories (Income & Cash Flow, Total Returns). OXLCI leads in 2 (Valuation Metrics, Profitability & Efficiency).
Best OverallEagle Point Credit Company … (ECCX)Leads 4 of 6 categories
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OXLCI vs ECCX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OXLCI or ECCX 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 -14. 9% for Eagle Point Credit Company Inc. 6. 6875% NT 28 (ECCX). Oxford Lane Capital Corp. (OXLCI) offers the better valuation at 26. 1x trailing P/E (6. 4x forward), making it the more compelling value choice. 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 ECCX?
On trailing P/E, Oxford Lane Capital Corp.
(OXLCI) is the cheapest at 26. 1x versus Eagle Point Credit Company Inc. 6. 6875% NT 28 at 29. 3x.
03Which is the better long-term investment — OXLCI or ECCX?
Over the past 5 years, Eagle Point Credit Company Inc.
6. 6875% NT 28 (ECCX) delivered a total return of +34. 6%, compared to +15. 6% for Oxford Lane Capital Corp. (OXLCI). Over 10 years, the gap is even starker: ECCX returned +59. 2% 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 ECCX?
By beta (market sensitivity over 5 years), Eagle Point Credit Company Inc.
6. 6875% NT 28 (ECCX) is the lower-risk stock at 0. 50β versus Oxford Lane Capital Corp. 's 0. 57β — meaning OXLCI is approximately 14% more volatile than ECCX relative to the S&P 500. On balance sheet safety, Eagle Point Credit Company Inc. 6. 6875% NT 28 (ECCX) carries a lower debt/equity ratio of 29% versus 41% for Oxford Lane Capital Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — OXLCI or ECCX?
By revenue growth (latest reported year), Oxford Lane Capital Corp.
(OXLCI) is pulling ahead at 26. 9% versus -14. 9% for Eagle Point Credit Company Inc. 6. 6875% NT 28 (ECCX). On earnings-per-share growth, the picture is similar: Oxford Lane Capital Corp. grew EPS 186. 0% year-over-year, compared to -50. 6% for Eagle Point Credit Company Inc. 6. 6875% NT 28. 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 ECCX?
Oxford Lane Capital Corp.
(OXLCI) is the more profitable company, earning 76. 6% net margin versus 69. 3% for Eagle Point Credit Company Inc. 6. 6875% NT 28 — meaning it keeps 76. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ECCX leads at 73. 7% versus 73. 4% for OXLCI. At the gross margin level — before operating expenses — ECCX 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 — OXLCI or ECCX?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. 6. 6875% NT 28 (ECCX) offers the highest yield at 7. 0%, versus 2. 7% for Oxford Lane Capital Corp. (OXLCI).
08Is OXLCI or ECCX better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Credit Company Inc.
6. 6875% NT 28 (ECCX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 50), 7. 0% yield). Both have compounded well over 10 years (ECCX: +59. 2%, OXLCI: +15. 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 OXLCI and ECCX?
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; ECCX 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>
%
(OXLCI: 26.9% · ECCX: -14.9%)Net Margin>
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(OXLCI: 76.6% · ECCX: 69.3%)P/E Ratio<
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