PDCC
Pearl Diver Credit Company Inc.
Asset Management
Market Cap$65M
5Y Perf.-53.5%
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Side-by-side financial analysisPDCC
EIC
JPM
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Stock Comparison
PDCC vs EIC vs JPM
Revenue, margins, valuation, and 5-year total return — side by side.
EIC
Eagle Point Income Company Inc.
Asset Management - Income
Market Cap$239M
5Y Perf.-36.2%
JPM
JPMorgan Chase & Co.
Banks - Diversified
Market Cap$892.31B
5Y Perf.+50.1%
PDCC vs EIC vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PDCC |  EIC |  JPM |
|---|---|---|---|
| Industry | Asset Management | Asset Management - Income | Banks - Diversified |
| Market Cap | $65M | $239M | $892.31B |
| Revenue (TTM) | $22M | $54M | $280.33B |
| Net Income (TTM) | $-19M | $-1M | $57.05B |
| Gross Margin | 78.9% | 91.4% | 60.0% |
| Operating Margin | -71.8% | 50.1% | 25.9% |
| Forward P/E | — | 7.5x | 14.3x |
| Total Debt | $7M | $145M | $942.38B |
| Cash & Equiv. | $100K | $6M | $343.34B |
PDCC vs EIC vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PDCC
EIC
JPM
| Stock | Jul 24 | Jun 26 | Return |
|---|---|---|---|
| Pearl Diver Credit … (PDCC) | 100 | 46.5 | -53.5% |
| Eagle Point Income … (EIC) | 100 | 63.8 | -36.2% |
| JPMorgan Chase & Co. (JPM) | 100 | 150.1 | +50.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PDCC vs EIC vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PDCC and JPM are tied at the top with 3 categories each — the right choice depends on your priorities. JPMorgan Chase & Co. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
PDCC
Pearl Diver Credit Company Inc.
The Banking Pick
PDCC has the current edge in this matchup, primarily because of its strength in growth exposure and sleep-well-at-night.
- Rev growth 27.4%, EPS growth -376.5%
- Lower volatility, beta 0.27, Low D/E 5.2%, current ratio 0.15x
- NIM 13.7% vs JPM's 2.2%
Best for: growth exposure and sleep-well-at-night
EIC
Eagle Point Income Company Inc.
The Banking Pick
EIC is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 0 yrs, beta 0.53, yield 18.0%
- Beta 0.53, yield 18.0%, current ratio 9.09x
- 18.0% yield, vs JPM's 1.9%, (1 stock pays no dividend)
Best for: income & stability and defensive
JPM
JPMorgan Chase & Co.
The Banking Pick
JPM is the clearest fit if your priority is long-term compounding.
- 475.6% 10Y total return vs EIC's 13.6%
- Efficiency ratio 0.3% vs PDCC's 1.5% (lower = leaner)
- +20.3% vs PDCC's -28.6%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  PDCC | 27.4% NII/revenue growth vs JPM's 3.3% |
| Value | PDCC | Better valuation composite |
| Quality / Margins |  JPM | Efficiency ratio 0.3% vs PDCC's 1.5% (lower = leaner) |
| Stability / Safety | PDCC | Beta 0.27 vs JPM's 0.94, lower leverage |
| Dividends |  EIC | 18.0% yield, vs JPM's 1.9%, (1 stock pays no dividend) |
| Momentum (1Y) | JPM | +20.3% vs PDCC's -28.6% |
| Efficiency (ROA) | JPM | Efficiency ratio 0.3% vs PDCC's 1.5% |
PDCC vs EIC vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
FY 2025
PDCC vs EIC vs JPM — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJPMLAGGINGEIC
EICEagle Point Income Co…
0leads
PDCCPearl Diver Credit Co…
1leads
JPMJPMorgan Chase & Co.
2leads
6 Total Categories
CATEGORYLEADERvs PDCCvs EICMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
PDCC3/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JPM5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
JPM6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
Evenly matched — EIC and JPM each lead in 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 12585.8x PDCC's $22M. JPM is the more profitable business, keeping 20.4% of every revenue dollar as net income compared to PDCC's -86.8%.
| Metric | PDCCPearl Diver Credi… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| RevenueTrailing 12 months | $22M | $54M | $280.3B |
| EBITDAEarnings before interest/tax | — | $2M | $81.4B |
| Net IncomeAfter-tax profit | — | -$1M | $57.0B |
| Free Cash FlowCash after capex | — | -$3M | $100.9B |
| Gross MarginGross profit ÷ Revenue | +78.9% | +91.4% | +60.0% |
| Operating MarginEBIT ÷ Revenue | -71.8% | +50.1% | +25.9% |
| Net MarginNet income ÷ Revenue | -86.8% | -2.1% | +20.4% |
| FCF MarginFCF ÷ Revenue | +124.8% | -5.0% | +36.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -178.5% | +16.0% |
Evenly matched — EIC and JPM each lead in 2 of 5 comparable metrics.
Valuation Metrics
PDCC leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
On an enterprise value basis, JPM's 18.3x EV/EBITDA is more attractive than EIC's 34.7x.
| Metric | PDCCPearl Diver Credi… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| Market CapShares × price | $65M | $239M | $892.3B |
| Enterprise ValueMkt cap + debt − cash | $72M | $378M | $1.49T |
| Trailing P/EPrice ÷ TTM EPS | -4.07x | -206.28x | 15.93x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.55x | 14.34x |
| PEG RatioP/E ÷ EPS growth rate | — | — | 0.90x |
| EV / EBITDAEnterprise value multiple | — | 34.74x | 18.32x |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 4.72x | 3.19x |
| Price / BookPrice ÷ Book value/share | 0.50x | 0.77x | 2.46x |
| Price / FCFMarket cap ÷ FCF | 2.34x | — | 8.85x |
PDCC leads this category, winning 3 of 6 comparable metrics.
Profitability & Efficiency
JPM leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
JPM delivers a 15.9% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $-14 for PDCC. PDCC carries lower financial leverage with a 0.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. 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… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| ROE (TTM)Return on equity | -14.5% | -0.3% | +15.9% |
| ROA (TTM)Return on assets | -12.1% | -0.2% | +1.3% |
| ROICReturn on invested capital | -8.5% | +2.1% | +4.5% |
| ROCEReturn on capital employed | -10.4% | +2.4% | +8.9% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 | 5 |
| Debt / EquityFinancial leverage | 0.05x | 0.46x | 2.60x |
| Net DebtTotal debt minus cash | $7M | $139M | $599.0B |
| Cash & Equiv.Liquid assets | $99,688 | $6M | $343.3B |
| Total DebtShort + long-term debt | $7M | $145M | $942.4B |
| Interest CoverageEBIT ÷ Interest expense | -4.78x | 3.00x | 0.74x |
JPM leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
JPM leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JPM five years ago would be worth $22,071 today (with dividends reinvested), compared to $7,404 for PDCC. Over the past 12 months, JPM leads with a +20.3% total return vs PDCC's -28.6%. The 3-year compound annual growth rate (CAGR) favors JPM at 32.7% vs PDCC's -9.5% — a key indicator of consistent wealth creation.
| Metric | PDCCPearl Diver Credi… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| YTD ReturnYear-to-date | -24.7% | -4.5% | -0.9% |
| 1-Year ReturnPast 12 months | -28.6% | -12.3% | +20.3% |
| 3-Year ReturnCumulative with dividends | -26.0% | +23.3% | +133.8% |
| 5-Year ReturnCumulative with dividends | -26.0% | +26.6% | +120.7% |
| 10-Year ReturnCumulative with dividends | -26.0% | +13.6% | +475.6% |
| CAGR (3Y)Annualised 3-year return | -9.5% | +7.2% | +32.7% |
JPM leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PDCC and JPM 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 JPM's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JPM currently trades 94.7% from its 52-week high vs PDCC's 52.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PDCCPearl Diver Credi… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.27x | 0.53x | 0.94x |
| 52-Week HighHighest price in past year | $18.40 | $14.05 | $337.25 |
| 52-Week LowLowest price in past year | $9.25 | $9.17 | $266.85 |
| % of 52W HighCurrent price vs 52-week peak | +52.0% | +72.5% | +94.7% |
| RSI (14)Momentum oscillator 0–100 | 32.6 | 37.1 | 65.0 |
| Avg Volume (50D)Average daily shares traded | 13K | 112K | 7.0M |
Evenly matched — PDCC and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — EIC and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: EIC as "Buy", JPM as "Buy". Consensus price targets imply 71.7% upside for EIC (target: $18) vs 6.4% for JPM (target: $340). For income investors, EIC offers the higher dividend yield at 18.02% vs JPM's 1.86%.
| Metric | PDCCPearl Diver Credi… | EICEagle Point Incom… | JPMJPMorgan Chase & … |
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy |
| Price TargetConsensus 12-month target | — | $17.50 | $339.75 |
| # AnalystsCovering analysts | — | 2 | 61 |
| Dividend YieldAnnual dividend ÷ price | — | +18.0% | +1.9% |
| Dividend StreakConsecutive years of raises | 2 | 0 | 15 |
| Dividend / ShareAnnual DPS | — | $1.84 | $5.95 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +41.7% | +3.9% |
Evenly matched — EIC and JPM each lead in 1 of 2 comparable metrics.
Key Takeaway
JPM leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). PDCC leads in 1 (Valuation Metrics). 3 tied.
Best OverallJPMorgan Chase & Co. (JPM)Leads 2 of 6 categories
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PDCC vs EIC vs JPM: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is PDCC or EIC or JPM a better buy right now?
For growth investors, Pearl Diver Credit Company Inc.
(PDCC) is the stronger pick with 27. 4% revenue growth year-over-year, versus 3. 3% for JPMorgan Chase & Co. (JPM). JPMorgan Chase & Co. (JPM) offers the better valuation at 15. 9x trailing P/E (14. 3x forward), making it the more compelling value choice. Analysts rate Eagle Point Income Company Inc. (EIC) a "Buy" — based on 2 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 — PDCC or EIC or JPM?
On forward P/E, Eagle Point Income Company Inc.
is actually cheaper at 7. 5x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — PDCC or EIC or JPM?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +120. 7%, compared to -26. 0% for Pearl Diver Credit Company Inc. (PDCC). Over 10 years, the gap is even starker: JPM returned +475. 6% 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.
04Which is safer — PDCC or EIC or JPM?
By beta (market sensitivity over 5 years), Pearl Diver Credit Company Inc.
(PDCC) is the lower-risk stock at 0. 27β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately 244% 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 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — PDCC or EIC or JPM?
By revenue growth (latest reported year), Pearl Diver Credit Company Inc.
(PDCC) is pulling ahead at 27. 4% versus 3. 3% for JPMorgan Chase & Co. (JPM). On earnings-per-share growth, the picture is similar: JPMorgan Chase & Co. grew EPS 1. 5% year-over-year, compared to -376. 5% for Pearl Diver 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 — PDCC or EIC or JPM?
JPMorgan Chase & Co.
(JPM) is the more profitable company, earning 20. 4% net margin versus -86. 8% for Pearl Diver Credit Company Inc. — meaning it keeps 20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 26. 0% versus -71. 8% for PDCC. 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.
07Is PDCC or EIC or JPM more undervalued right now?
On forward earnings alone, Eagle Point Income Company Inc.
(EIC) trades at 7. 5x forward P/E versus 14. 3x for JPMorgan Chase & Co. — 6. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EIC: 71. 7% to $17. 50.
08Which pays a better dividend — PDCC or EIC or JPM?
In this comparison, EIC (18.
0% yield), JPM (1. 9% yield) pay a dividend. PDCC does not pay a meaningful dividend and should not be held primarily for income.
09Is PDCC or EIC or JPM 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.
10What are the main differences between PDCC and EIC and JPM?
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; EIC is a small-cap income-oriented stock; JPM is a large-cap deep-value stock. EIC, JPM 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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