OXLCI
Oxford Lane Capital Corp.
Asset Management
Market Cap$6.16B
5Y Perf.+0.1%
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Stock Comparison
OXLCI vs OXLC vs ECC vs ECCX vs OCCI
Revenue, margins, valuation, and 5-year total return — side by side.
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$974M
5Y Perf.-63.8%
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$552M
5Y Perf.+1.8%
ECCX
Eagle Point Credit Company Inc. 6.6875% NT 28
Asset Management
Market Cap$2.35B
5Y Perf.-0.3%
OCCI
OFS Credit Company, Inc.
Asset Management
Market Cap$95M
5Y Perf.-53.2%
OXLCI vs OXLC vs ECC vs ECCX vs OCCI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OXLCI | OXLC | ECC | ECCX | OCCI |
|---|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management | Asset Management |
| Market Cap | $6.16B | $974M | $552M | $2.35B | $95M |
| Revenue (TTM) | $307M | $96M | $116M | $116M | $41M |
| Net Income (TTM) | $545M | $189M | $34M | $34M | $-10M |
| Gross Margin | 74.7% | 59.8% | 84.2% | 84.2% | 70.8% |
| Operating Margin | 73.4% | 50.6% | 73.7% | 73.7% | -5.5% |
| Forward P/E | 6.5x | 2.5x | 4.6x | 29.3x | 2.3x |
| Total Debt | $478M | $487M | $272M | $272M | $114M |
| Cash & Equiv. | $43M | $295M | $42M | $42M | $14M |
OXLCI vs OXLC vs ECC vs ECCX vs OCCI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OXLCI
OXLC
ECC
ECCX
OCCI
| Stock | Jul 24 | May 26 | Return |
|---|---|---|---|
| Oxford Lane Capital… (OXLCI) | 100 | 100.1 | +0.1% |
| Oxford Lane Capital… (OXLC) | 100 | 36.2 | -63.8% |
| Eagle Point Credit … (ECC) | 100 | 42.4 | -57.6% |
| Eagle Point Credit … (ECCX) | 100 | 101.8 | +1.8% |
| OFS Credit Company,… (OCCI) | 100 | 46.8 | -53.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OXLCI vs OXLC vs ECC vs ECCX vs OCCI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OXLC and OCCI are tied at the top with 2 categories each (5-stock set) — the right choice depends on your priorities. OFS Credit Company, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. OXLCI, ECC, and ECCX also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
OXLCI
Oxford Lane Capital Corp.
The Banking Pick
OXLCI ranks third and is worth considering specifically for growth exposure.
- Rev growth 26.9%, EPS growth 186.0%
- +10.2% vs OXLC's -36.8%
Best for: growth exposure
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC has the current edge in this matchup, primarily because of its strength in sleep-well-at-night and defensive.
- Lower volatility, beta 0.62, Low D/E 24.9%, current ratio 220.74x
- Beta 0.62, yield 33.9%, current ratio 220.74x
- Efficiency ratio 0.1% vs OCCI's 0.8% (lower = leaner)
- Efficiency ratio 0.1% vs OCCI's 0.8%
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 dividends.
- 41.6% yield, vs OCCI's 35.7%
Best for: dividends
ECCX
Eagle Point Credit Company Inc. 6.6875% NT 28
The Banking Pick
ECCX is the clearest fit if your priority is long-term compounding.
- 59.2% 10Y total return vs ECC's 33.8%
- Beta 0.50 vs ECC's 0.68
Best for: long-term compounding
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 35.7%
- NIM 13.7% vs ECCX's 10.2%
- 117.0% NII/revenue growth vs OXLC's -65.7%
- Lower P/E (2.3x vs 29.3x)
Best for: income & stability and bank quality
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 29.3x) |
| Quality / Margins | OXLC | Efficiency ratio 0.1% vs OCCI's 0.8% (lower = leaner) |
| Stability / Safety | ECCX | Beta 0.50 vs ECC's 0.68 |
| Dividends | ECC | 41.6% yield, vs OCCI's 35.7% |
| Momentum (1Y) | OXLCI | +10.2% vs OXLC's -36.8% |
| Efficiency (ROA) | OXLC | Efficiency ratio 0.1% vs OCCI's 0.8% |
OXLCI vs OXLC vs ECC vs ECCX vs OCCI — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLECCXLAGGINGECC
Who Leads Where
ECCX leads in 2 of 6 categories
OCCI leads 1 • OXLCI leads 1 • OXLC leads 0 • ECC leads 0 • 2 tied
Explore the data ↓ECCEagle Point Credit Co…
0leads
OXLCOxford Lane Capital C…
0leads
OCCIOFS Credit Company, I…
1leads
OXLCIOxford Lane Capital C…
1leads
ECCXEagle Point Credit Co…
2leads
6 Total Categories
CATEGORYLEADERvs OXLCIvs OCCIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
OCCI4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OXLCI5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ECCX4/6
Risk & VolatilityBeta, volatility, and downside exposure
ECCX2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
Evenly matched — ECC and ECCX each lead in 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OXLCI is the larger business by revenue, generating $307M annually — 7.6x OCCI's $41M. OXLCI is the more profitable business, keeping 76.6% of every revenue dollar as net income compared to OCCI's -24.4%.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $307M | $96M | $116M | $116M | $41M |
| EBITDAEarnings before interest/tax | $338M | $271M | $63M | $63M | -$7M |
| Net IncomeAfter-tax profit | $545M | $189M | $34M | $34M | -$10M |
| Free Cash FlowCash after capex | $782M | $1.5B | $65M | $65M | $35M |
| Gross MarginGross profit ÷ Revenue | +74.7% | +59.8% | +84.2% | +84.2% | +70.8% |
| Operating MarginEBIT ÷ Revenue | +73.4% | +50.6% | +73.7% | +73.7% | -5.5% |
| Net MarginNet income ÷ Revenue | +76.6% | +50.6% | +69.3% | +69.3% | -24.4% |
| FCF MarginFCF ÷ Revenue | -40.4% | -7.3% | +89.3% | +89.3% | +85.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | -7.7% | +3.9% | +3.9% | -2.2% |
Evenly matched — ECC and ECCX each lead in 4 of 5 comparable metrics.
Valuation Metrics
OCCI leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, ECC trades at a 95% valuation discount to OXLC's 93.8x P/E. On an enterprise value basis, ECC's 9.1x EV/EBITDA is more attractive than ECCX's 30.2x.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| Market CapShares × price | $6.2B | $974M | $552M | $2.4B | $95M |
| Enterprise ValueMkt cap + debt − cash | $6.6B | $1.2B | $782M | $2.6B | $195M |
| Trailing P/EPrice ÷ TTM EPS | 26.28x | 93.83x | 4.91x | 29.28x | -8.65x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.45x | 2.51x | 4.60x | — | 2.25x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | — |
| EV / EBITDAEnterprise value multiple | — | 24.05x | 9.15x | 30.19x | — |
| Price / SalesMarket cap ÷ Revenue | 20.07x | 10.17x | 4.76x | 20.28x | 2.33x |
| Price / BookPrice ÷ Book value/share | 5.26x | 0.46x | 0.42x | 2.51x | 0.56x |
| Price / FCFMarket cap ÷ FCF | — | — | 5.33x | 22.71x | 2.74x |
OCCI leads this category, winning 4 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 $-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), OXLCI scores 5/9 vs OXLC's 2/9, reflecting solid financial health.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +33.9% | +10.2% | +3.1% | +3.1% | -6.1% |
| ROA (TTM)Return on assets | +24.4% | +7.1% | +2.2% | +2.2% | -3.6% |
| ROICReturn on invested capital | +11.4% | +1.9% | +6.1% | +6.1% | -0.8% |
| ROCEReturn on capital employed | +15.4% | +2.1% | +7.1% | +7.1% | -0.9% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 2 | 3 | 3 | 5 |
| Debt / EquityFinancial leverage | 0.41x | 0.25x | 0.29x | 0.29x | 0.74x |
| Net DebtTotal debt minus cash | $435M | $192M | $230M | $230M | $100M |
| Cash & Equiv.Liquid assets | $43M | $295M | $42M | $42M | $14M |
| Total DebtShort + long-term debt | $478M | $487M | $272M | $272M | $114M |
| Interest CoverageEBIT ÷ Interest expense | — | 1.26x | 12.34x | 12.34x | 1.95x |
OXLCI leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ECCX leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECCX five years ago would be worth $13,463 today (with dividends reinvested), compared to $8,612 for OCCI. Over the past 12 months, OXLCI leads with a +10.2% total return vs OXLC's -36.8%. The 3-year compound annual growth rate (CAGR) favors ECCX at 9.3% vs ECC's -6.2% — a key indicator of consistent wealth creation.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -24.1% | -20.3% | +2.6% | -23.8% |
| 1-Year ReturnPast 12 months | +10.2% | -36.8% | -28.3% | +9.5% | -30.0% |
| 3-Year ReturnCumulative with dividends | +16.3% | -3.9% | -17.5% | +30.6% | -11.0% |
| 5-Year ReturnCumulative with dividends | +16.3% | -5.3% | +6.5% | +34.6% | -13.9% |
| 10-Year ReturnCumulative with dividends | +16.3% | +23.9% | +33.8% | +59.2% | -7.7% |
| CAGR (3Y)Annualised 3-year return | +5.1% | -1.3% | -6.2% | +9.3% | -3.8% |
ECCX leads this category, winning 4 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 ECC's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ECCX currently trades 99.7% from its 52-week high vs OXLC's 40.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 0.62x | 0.68x | 0.50x | 0.64x |
| 52-Week HighHighest price in past year | $26.25 | $24.90 | $8.23 | $25.26 | $6.82 |
| 52-Week LowLowest price in past year | $7.89 | $8.01 | $3.46 | $6.58 | $2.62 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +40.3% | +51.3% | +99.7% | +49.5% |
| RSI (14)Momentum oscillator 0–100 | 72.4 | 53.6 | 62.6 | 74.7 | 67.0 |
| Avg Volume (50D)Average daily shares traded | 5K | 1.5M | 1.7M | 3K | 308K |
ECCX leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ECC and OCCI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: OXLC as "Buy", ECC as "Buy", OCCI as "Hold". For income investors, ECC offers the higher dividend yield at 41.58% vs OXLCI's 2.71%.
| Metric | OXLCIOxford Lane Capit… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | ECCXEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy | — | Hold |
| Price TargetConsensus 12-month target | — | — | $4.75 | — | — |
| # AnalystsCovering analysts | — | 4 | 11 | — | 1 |
| Dividend YieldAnnual dividend ÷ price | +2.7% | +33.9% | +41.6% | +7.0% | +35.7% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 0 | 0 | 2 |
| Dividend / ShareAnnual DPS | $0.70 | $3.40 | $1.75 | $1.75 | $1.20 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Evenly matched — ECC and OCCI each lead in 1 of 2 comparable metrics.
Key Takeaway
ECCX leads in 2 of 6 categories (Total Returns, Risk & Volatility). OCCI leads in 1 (Valuation Metrics). 2 tied.
Best OverallEagle Point Credit Company … (ECCX)Leads 2 of 6 categories
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OXLCI vs OXLC vs ECC vs ECCX vs OCCI: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is OXLCI or OXLC or ECC or ECCX or OCCI 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 4. 9x trailing P/E (4. 6x 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 — OXLCI or OXLC or ECC or ECCX or OCCI?
On trailing P/E, Eagle Point Credit Company Inc.
(ECC) is the cheapest at 4. 9x versus Oxford Lane Capital Corp. at 93. 8x. 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 — OXLCI or OXLC or ECC or ECCX or OCCI?
Over the past 5 years, Eagle Point Credit Company Inc.
6. 6875% NT 28 (ECCX) delivered a total return of +34. 6%, compared to -13. 9% for OFS Credit Company, Inc. (OCCI). Over 10 years, the gap is even starker: ECCX returned +59. 2% 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 — OXLCI or OXLC or ECC or ECCX or OCCI?
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 Eagle Point Credit Company Inc. 's 0. 68β — meaning ECC is approximately 36% more volatile than ECCX 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 — OXLCI or OXLC or ECC or ECCX or OCCI?
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: Oxford Lane Capital Corp. grew EPS 186. 0% 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 — OXLCI or OXLC or ECC or ECCX or OCCI?
Oxford Lane Capital Corp.
(OXLCI) is the more profitable company, earning 76. 6% net margin versus -24. 4% for OFS Credit Company, Inc. — 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 -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 OXLCI or OXLC or ECC or ECCX or OCCI more undervalued right now?
On forward earnings alone, OFS Credit Company, Inc.
(OCCI) trades at 2. 3x forward P/E versus 6. 5x for Oxford Lane Capital Corp. — 4. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — OXLCI or OXLC or ECC or ECCX or OCCI?
All stocks in this comparison pay dividends.
Eagle Point Credit Company Inc. (ECC) offers the highest yield at 41. 6%, versus 2. 7% for Oxford Lane Capital Corp. (OXLCI).
09Is OXLCI or OXLC or ECC or ECCX or OCCI 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%, 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 OXLCI and OXLC and ECC and ECCX and OCCI?
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; OXLC is a small-cap income-oriented stock; ECC is a small-cap deep-value stock; ECCX is a small-cap income-oriented stock; OCCI is a small-cap high-growth 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% · OXLC: -65.7%)Net Margin>
%
(OXLCI: 76.6% · OXLC: 50.6%)P/E Ratio<
x
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