PDCC
Pearl Diver Credit Company Inc.
Asset Management
Market Cap$65M
5Y Perf.-53.5%
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Side-by-side financial analysisPDCC
ECC
OXLC
EIC
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Stock Comparison
PDCC vs ECC vs OXLC vs EIC
Revenue, margins, valuation, and 5-year total return — side by side.
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$505M
5Y Perf.-61.6%
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$906M
5Y Perf.-66.5%
EIC
Eagle Point Income Company Inc.
Asset Management - Income
Market Cap$239M
5Y Perf.-36.2%
PDCC vs ECC vs OXLC vs EIC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PDCC |  ECC |  OXLC |  EIC |
|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management - Income |
| Market Cap | $65M | $505M | $906M | $239M |
| Revenue (TTM) | $22M | $168M | $819M | $54M |
| Net Income (TTM) | $-19M | $-124M | $-537M | $-1M |
| Gross Margin | 78.9% | 81.6% | 70.9% | 91.4% |
| Operating Margin | -71.8% | -50.2% | -54.1% | 50.1% |
| Forward P/E | — | 5.1x | 2.8x | 7.5x |
| Total Debt | $7M | $276M | $773M | $145M |
| Cash & Equiv. | $100K | $47M | $97M | $6M |
PDCC vs ECC vs OXLC vs EIC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PDCC
ECC
OXLC
EIC
| Stock | Jul 24 | Jun 26 | Return |
|---|---|---|---|
| Pearl Diver Credit … (PDCC) | 100 | 46.5 | -53.5% |
| Eagle Point Credit … (ECC) | 100 | 38.4 | -61.6% |
| Oxford Lane Capital… (OXLC) | 100 | 33.5 | -66.5% |
| Eagle Point Income … (EIC) | 100 | 63.8 | -36.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PDCC vs ECC vs OXLC vs EIC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OXLC and EIC are tied at the top with 3 categories each — the right choice depends on your priorities. Eagle Point Income Company Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. PDCC also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
PDCC
Pearl Diver Credit Company Inc.
The Banking Pick
PDCC is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.27, Low D/E 5.2%, current ratio 0.15x
- Beta 0.27 vs ECC's 0.77, lower leverage
Best for: sleep-well-at-night
ECC
Eagle Point Credit Company Inc.
The Banking Pick
ECC is the clearest fit if your priority is long-term compounding.
- 49.4% 10Y total return vs EIC's 13.6%
Best for: long-term compounding
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 0.66, yield 49.8%
- Rev growth 309.1%, EPS growth -12.3%
- NIM 22.4% vs EIC's 10.5%
- 309.1% NII/revenue growth vs ECC's 0.1%
Best for: income & stability and growth exposure
EIC
Eagle Point Income Company Inc.
The Banking Pick
EIC is the #2 pick in this set and the best alternative if defensive is your priority.
- Beta 0.53, yield 18.0%, current ratio 9.09x
- Efficiency ratio 0.6% vs OXLC's 2.0% (lower = leaner)
- -12.3% vs OXLC's -33.9%
- Efficiency ratio 0.6% vs OXLC's 2.0%
Best for: defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  OXLC | 309.1% NII/revenue growth vs ECC's 0.1% |
| Value | OXLC | Lower P/E (2.8x vs 7.5x) |
| Quality / Margins |  EIC | Efficiency ratio 0.6% vs OXLC's 2.0% (lower = leaner) |
| Stability / Safety |  PDCC | Beta 0.27 vs ECC's 0.77, lower leverage |
| Dividends | OXLC | 49.8% yield, 4-year raise streak, vs EIC's 18.0%, (1 stock pays no dividend) |
| Momentum (1Y) | EIC | -12.3% vs OXLC's -33.9% |
| Efficiency (ROA) | EIC | Efficiency ratio 0.6% vs OXLC's 2.0% |
PDCC vs ECC vs OXLC vs EIC — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLEICLAGGINGECC
Who Leads Where
EIC leads in 3 of 6 categories
OXLC leads 2 • PDCC leads 0 • ECC leads 0 • 1 tied
Explore the data ↓ECCEagle Point Credit Co…
0leads
PDCCPearl Diver Credit Co…
0leads
OXLCOxford Lane Capital C…
2leads
EICEagle Point Income Co…
3leads
6 Total Categories
CATEGORYLEADERvs OXLCvs PDCCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
EIC4/5
Valuation MetricsMultiples, price ratios, and targets
OXLC3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
EIC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
EIC5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
OXLC2/2
Income & Cash Flow (Last 12 Months)
EIC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OXLC is the larger business by revenue, generating $819M annually — 36.8x PDCC's $22M. EIC is the more profitable business, keeping -2.1% of every revenue dollar as net income compared to PDCC's -86.8%.
| Metric | PDCCPearl Diver Credi… |  ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $22M | $168M | $819M | $54M |
| EBITDAEarnings before interest/tax | — | -$122M | -$444M | $2M |
| Net IncomeAfter-tax profit | — | -$124M | -$537M | -$1M |
| Free Cash FlowCash after capex | — | $71M | $1.6B | -$3M |
| Gross MarginGross profit ÷ Revenue | +78.9% | +81.6% | +70.9% | +91.4% |
| Operating MarginEBIT ÷ Revenue | -71.8% | -50.2% | -54.1% | +50.1% |
| Net MarginNet income ÷ Revenue | -86.8% | -74.1% | -65.5% | -2.1% |
| FCF MarginFCF ÷ Revenue | +124.8% | +42.4% | +189.3% | -5.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -3.0% | -31.8% | -178.5% |
EIC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OXLC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | PDCCPearl Diver Credi… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| Market CapShares × price | $65M | $505M | $906M | $239M |
| Enterprise ValueMkt cap + debt − cash | $72M | $734M | $1.6B | $378M |
| Trailing P/EPrice ÷ TTM EPS | -4.07x | -3.64x | -1.55x | -206.28x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 5.11x | 2.75x | 7.55x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | — | — | — | 34.74x |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 4.35x | 2.31x | 4.72x |
| Price / BookPrice ÷ Book value/share | 0.50x | 0.65x | 0.88x | 0.77x |
| Price / FCFMarket cap ÷ FCF | 2.34x | — | 1.30x | — |
OXLC leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
EIC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
EIC delivers a -0.3% return on equity — every $100 of shareholder capital generates $-0 in annual profit, vs $-33 for OXLC. PDCC carries lower financial leverage with a 0.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to OXLC's 0.75x. On the Piotroski fundamental quality scale (0–9), PDCC scores 5/9 vs EIC's 3/9, reflecting solid financial health.
| Metric | PDCCPearl Diver Credi… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | -14.5% | -11.7% | -33.2% | -0.3% |
| ROA (TTM)Return on assets | -12.1% | -8.4% | -22.5% | -0.2% |
| ROICReturn on invested capital | -8.5% | -5.9% | -18.7% | +2.1% |
| ROCEReturn on capital employed | -10.4% | -6.2% | -22.7% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 | 4 | 3 |
| Debt / EquityFinancial leverage | 0.05x | 0.37x | 0.75x | 0.46x |
| Net DebtTotal debt minus cash | $7M | $229M | $676M | $139M |
| Cash & Equiv.Liquid assets | $99,688 | $47M | $97M | $6M |
| Total DebtShort + long-term debt | $7M | $276M | $773M | $145M |
| Interest CoverageEBIT ÷ Interest expense | -4.78x | -4.11x | -4.77x | 3.00x |
EIC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
EIC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in EIC five years ago would be worth $12,658 today (with dividends reinvested), compared to $7,404 for PDCC. Over the past 12 months, EIC leads with a -12.3% total return vs OXLC's -33.9%. The 3-year compound annual growth rate (CAGR) favors EIC at 7.2% vs PDCC's -9.5% — a key indicator of consistent wealth creation.
| Metric | PDCCPearl Diver Credi… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -24.7% | -25.1% | -27.7% | -4.5% |
| 1-Year ReturnPast 12 months | -28.6% | -30.1% | -33.9% | -12.3% |
| 3-Year ReturnCumulative with dividends | -26.0% | -10.6% | -3.6% | +23.3% |
| 5-Year ReturnCumulative with dividends | -26.0% | -1.7% | -10.9% | +26.6% |
| 10-Year ReturnCumulative with dividends | -26.0% | +49.4% | +32.8% | +13.6% |
| CAGR (3Y)Annualised 3-year return | -9.5% | -3.7% | -1.2% | +7.2% |
EIC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PDCC and EIC each lead in 1 of 2 comparable metrics.
Risk & Volatility
PDCC is the less volatile stock with a 0.27 beta — it tends to amplify market swings less than ECC's 0.77 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EIC currently trades 72.5% from its 52-week high vs OXLC's 43.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PDCCPearl Diver Credi… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.27x | 0.77x | 0.66x | 0.53x |
| 52-Week HighHighest price in past year | $18.40 | $7.83 | $21.50 | $14.05 |
| 52-Week LowLowest price in past year | $9.25 | $3.46 | $8.01 | $9.17 |
| % of 52W HighCurrent price vs 52-week peak | +52.0% | +48.8% | +43.2% | +72.5% |
| RSI (14)Momentum oscillator 0–100 | 32.6 | 30.9 | 26.9 | 37.1 |
| Avg Volume (50D)Average daily shares traded | 13K | 968K | 959K | 112K |
Evenly matched — PDCC and EIC each lead in 1 of 2 comparable metrics.
Analyst Outlook
OXLC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ECC as "Buy", OXLC as "Buy", EIC as "Buy". Consensus price targets imply 71.7% upside for EIC (target: $18) vs 24.3% for ECC (target: $5). For income investors, OXLC offers the higher dividend yield at 49.77% vs EIC's 18.02%.
| Metric | PDCCPearl Diver Credi… | ECCEagle Point Credi… | OXLCOxford Lane Capit… | EICEagle Point Incom… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $4.75 | — | $17.50 |
| # AnalystsCovering analysts | — | 11 | 4 | 2 |
| Dividend YieldAnnual dividend ÷ price | — | +37.9% | +49.8% | +18.0% |
| Dividend StreakConsecutive years of raises | 2 | 0 | 4 | 0 |
| Dividend / ShareAnnual DPS | — | $1.45 | $4.62 | $1.84 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.0% | +2.3% | +41.7% |
OXLC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
EIC leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OXLC leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallEagle Point Income Company … (EIC)Leads 3 of 6 categories
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PDCC vs ECC vs OXLC vs EIC: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is PDCC or ECC or OXLC or EIC a better buy right now?
For growth investors, Oxford Lane Capital Corp.
(OXLC) is the stronger pick with 309. 1% revenue growth year-over-year, versus 0. 1% for Eagle Point Credit Company Inc. (ECC). 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 is the better long-term investment — PDCC or ECC or OXLC or EIC?
Over the past 5 years, Eagle Point Income Company Inc.
(EIC) delivered a total return of +26. 6%, compared to -26. 0% for Pearl Diver Credit Company Inc. (PDCC). Over 10 years, the gap is even starker: ECC returned +49. 4% versus PDCC's -26. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PDCC or ECC or OXLC or EIC?
By beta (market sensitivity over 5 years), Pearl Diver Credit Company Inc.
(PDCC) is the lower-risk stock at 0. 27β versus Eagle Point Credit Company Inc. 's 0. 77β — meaning ECC is approximately 179% more volatile than PDCC relative to the S&P 500. On balance sheet safety, Pearl Diver Credit Company Inc. (PDCC) carries a lower debt/equity ratio of 5% versus 75% for Oxford Lane Capital Corp. — giving it more financial flexibility in a downturn.
04Which is growing faster — PDCC or ECC or OXLC or EIC?
By revenue growth (latest reported year), Oxford Lane Capital Corp.
(OXLC) is pulling ahead at 309. 1% versus 0. 1% for Eagle Point Credit Company Inc. (ECC). On earnings-per-share growth, the picture is similar: Eagle Point Income Company Inc. grew EPS -101. 8% year-over-year, compared to -1230. 2% 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.
05Which has better profit margins — PDCC or ECC or OXLC or EIC?
Eagle Point Income Company Inc.
(EIC) is the more profitable company, earning -2. 3% net margin versus -149. 4% for Oxford Lane Capital Corp. — meaning it keeps -2. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EIC leads at 21. 5% versus -135. 4% for OXLC. At the gross margin level — before operating expenses — EIC leads at 83. 4%, 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.
06Is PDCC or ECC or OXLC or EIC more undervalued right now?
On forward earnings alone, Oxford Lane Capital Corp.
(OXLC) trades at 2. 8x forward P/E versus 7. 5x for Eagle Point Income Company Inc. — 4. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EIC: 71. 7% to $17. 50.
07Which pays a better dividend — PDCC or ECC or OXLC or EIC?
In this comparison, OXLC (49.
8% yield), ECC (37. 9% yield), EIC (18. 0% yield) pay a dividend. PDCC does not pay a meaningful dividend and should not be held primarily for income.
08Is PDCC or ECC or OXLC or EIC better for a retirement portfolio?
For long-horizon retirement investors, Eagle Point Income Company Inc.
(EIC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 53), 18. 0% yield). Both have compounded well over 10 years (EIC: +13. 6%, PDCC: -26. 0%), 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 PDCC and ECC and OXLC and EIC?
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: PDCC is a small-cap high-growth stock; ECC is a small-cap income-oriented stock; OXLC is a small-cap high-growth stock; EIC is a small-cap income-oriented stock. ECC, OXLC, EIC pay a dividend while PDCC does not, making them suitable for different income and tax situations. 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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