PDCC
Pearl Diver Credit Company Inc.
Asset Management
Market Cap$65M
5Y Perf.-53.5%
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Side-by-side financial analysisPDCC
OXLC
ECC
OCCI
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Stock Comparison
PDCC vs OXLC vs ECC vs OCCI
Revenue, margins, valuation, and 5-year total return — side by side.
OXLC
Oxford Lane Capital Corp.
Asset Management
Market Cap$906M
5Y Perf.-66.5%
ECC
Eagle Point Credit Company Inc.
Asset Management
Market Cap$505M
5Y Perf.-61.6%
OCCI
OFS Credit Company, Inc.
Asset Management
Market Cap$82M
5Y Perf.-61.0%
PDCC vs OXLC vs ECC vs OCCI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PDCC |  OXLC |  ECC |  OCCI |
|---|---|---|---|---|
| Industry | Asset Management | Asset Management | Asset Management | Asset Management |
| Market Cap | $65M | $906M | $505M | $82M |
| Revenue (TTM) | $22M | $819M | $168M | $43M |
| Net Income (TTM) | $-19M | $-537M | $-124M | $-10M |
| Gross Margin | 78.9% | 70.9% | 81.6% | 66.2% |
| Operating Margin | -71.8% | -54.1% | -50.2% | 35.1% |
| Forward P/E | — | 2.8x | 5.1x | 1.9x |
| Total Debt | $7M | $773M | $276M | $114M |
| Cash & Equiv. | $100K | $97M | $47M | $14M |
PDCC vs OXLC vs ECC vs OCCI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PDCC
OXLC
ECC
OCCI
| Stock | Jul 24 | Jun 26 | Return |
|---|---|---|---|
| Pearl Diver Credit … (PDCC) | 100 | 46.5 | -53.5% |
| Oxford Lane Capital… (OXLC) | 100 | 33.5 | -66.5% |
| Eagle Point Credit … (ECC) | 100 | 38.4 | -61.6% |
| OFS Credit Company,… (OCCI) | 100 | 39.0 | -61.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PDCC vs OXLC vs ECC vs OCCI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OCCI leads in 3 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Pearl Diver Credit Company Inc. is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. OXLC also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
🥇OCCI emerged as the overall leader. Track its performance:
PDCC
Pearl Diver Credit Company Inc.
The Banking Pick
PDCC is the #2 pick in this set and the best alternative if sleep-well-at-night is your priority.
- Lower volatility, beta 0.27, Low D/E 5.2%, current ratio 0.15x
- Beta 0.27 vs ECC's 0.77, lower leverage
- -28.6% vs OCCI's -36.1%
Best for: sleep-well-at-night
OXLC
Oxford Lane Capital Corp.
The Banking Pick
OXLC is the clearest fit if your priority is income & stability and bank quality.
- Dividend streak 4 yrs, beta 0.66, yield 49.8%
- NIM 22.4% vs ECC's 12.6%
- 309.1% NII/revenue growth vs ECC's 0.1%
- 49.8% yield, 4-year raise streak, vs ECC's 37.9%, (1 stock pays no dividend)
Best for: income & stability and bank quality
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 OXLC's 32.8%
Best for: long-term compounding
OCCI
OFS Credit Company, Inc.
The Banking Pick
OCCI carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 117.0%, EPS growth -143.3%
- Beta 0.66, yield 42.8%, current ratio 3.99x
- Lower P/E (1.9x vs 5.1x)
- Efficiency ratio 0.8% vs OXLC's 2.0% (lower = leaner)
Best for: growth exposure and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  OXLC | 309.1% NII/revenue growth vs ECC's 0.1% |
| Value |  OCCI | Lower P/E (1.9x vs 5.1x) |
| Quality / Margins | OCCI | Efficiency ratio 0.8% 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 ECC's 37.9%, (1 stock pays no dividend) |
| Momentum (1Y) | PDCC | -28.6% vs OCCI's -36.1% |
| Efficiency (ROA) | OCCI | Efficiency ratio 0.8% vs OXLC's 2.0% |
PDCC vs OXLC vs ECC vs OCCI — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOCCILAGGINGECC
Who Leads Where
OCCI leads in 3 of 6 categories
PDCC leads 1 • OXLC leads 1 • ECC leads 0 • 1 tied
Explore the data ↓ECCEagle Point Credit Co…
0leads
OXLCOxford Lane Capital C…
1leads
PDCCPearl Diver Credit Co…
1leads
OCCIOFS Credit Company, I…
3leads
6 Total Categories
CATEGORYLEADERvs PDCCvs OXLCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OCCI3/5
Valuation MetricsMultiples, price ratios, and targets
OCCI4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OCCI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
PDCC2/2
Analyst OutlookRatings, price targets, and dividends
OXLC2/2
Income & Cash Flow (Last 12 Months)
OCCI leads this category, winning 3 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. OCCI is the more profitable business, keeping -22.9% of every revenue dollar as net income compared to PDCC's -86.8%.
| Metric | PDCCPearl Diver Credi… | OXLCOxford Lane Capit… |  ECCEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $22M | $819M | $168M | $43M |
| EBITDAEarnings before interest/tax | — | -$444M | -$122M | -$7M |
| Net IncomeAfter-tax profit | — | -$537M | -$124M | -$10M |
| Free Cash FlowCash after capex | — | $1.6B | $71M | $35M |
| Gross MarginGross profit ÷ Revenue | +78.9% | +70.9% | +81.6% | +66.2% |
| Operating MarginEBIT ÷ Revenue | -71.8% | -54.1% | -50.2% | +35.1% |
| Net MarginNet income ÷ Revenue | -86.8% | -65.5% | -74.1% | -22.9% |
| FCF MarginFCF ÷ Revenue | +124.8% | +189.3% | +42.4% | +79.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -31.8% | -3.0% | -2.2% |
OCCI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OCCI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
| Metric | PDCCPearl Diver Credi… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|
| Market CapShares × price | $65M | $906M | $505M | $82M |
| Enterprise ValueMkt cap + debt − cash | $72M | $1.6B | $734M | $183M |
| Trailing P/EPrice ÷ TTM EPS | -4.07x | -1.55x | -3.64x | -7.21x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 2.75x | 5.11x | 1.87x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | — | — | — | — |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 2.31x | 4.35x | 2.03x |
| Price / BookPrice ÷ Book value/share | 0.50x | 0.88x | 0.65x | 0.47x |
| Price / FCFMarket cap ÷ FCF | 2.34x | 1.30x | — | 2.39x |
OCCI leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
OCCI leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
OCCI delivers a -6.1% return on equity — every $100 of shareholder capital generates $-6 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 ECC's 4/9, reflecting solid financial health.
| Metric | PDCCPearl Diver Credi… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | -14.5% | -33.2% | -11.7% | -6.1% |
| ROA (TTM)Return on assets | -12.1% | -22.5% | -8.4% | -3.6% |
| ROICReturn on invested capital | -8.5% | -18.7% | -5.9% | -0.8% |
| ROCEReturn on capital employed | -10.4% | -22.7% | -6.2% | -0.9% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.05x | 0.75x | 0.37x | 0.74x |
| Net DebtTotal debt minus cash | $7M | $676M | $229M | $100M |
| Cash & Equiv.Liquid assets | $99,688 | $97M | $47M | $14M |
| Total DebtShort + long-term debt | $7M | $773M | $276M | $114M |
| Interest CoverageEBIT ÷ Interest expense | -4.78x | -4.77x | -4.11x | 1.95x |
OCCI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — PDCC and OXLC and ECC each lead in 2 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ECC five years ago would be worth $9,834 today (with dividends reinvested), compared to $7,404 for PDCC. Over the past 12 months, PDCC leads with a -28.6% total return vs OCCI's -36.1%. The 3-year compound annual growth rate (CAGR) favors OXLC at -1.2% vs PDCC's -9.5% — a key indicator of consistent wealth creation.
| Metric | PDCCPearl Diver Credi… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -24.7% | -27.7% | -25.1% | -33.3% |
| 1-Year ReturnPast 12 months | -28.6% | -33.9% | -30.1% | -36.1% |
| 3-Year ReturnCumulative with dividends | -26.0% | -3.6% | -10.6% | -23.9% |
| 5-Year ReturnCumulative with dividends | -26.0% | -10.9% | -1.7% | -22.3% |
| 10-Year ReturnCumulative with dividends | -26.0% | +32.8% | +49.4% | -10.2% |
| CAGR (3Y)Annualised 3-year return | -9.5% | -1.2% | -3.7% | -8.7% |
Evenly matched — PDCC and OXLC and ECC each lead in 2 of 6 comparable metrics.
Risk & Volatility
PDCC leads this category, winning 2 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. PDCC currently trades 52.0% 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… | OXLCOxford Lane Capit… | ECCEagle Point Credi… | OCCIOFS Credit Compan… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.27x | 0.66x | 0.77x | 0.66x |
| 52-Week HighHighest price in past year | $18.40 | $21.50 | $7.83 | $6.36 |
| 52-Week LowLowest price in past year | $9.25 | $8.01 | $3.46 | $2.62 |
| % of 52W HighCurrent price vs 52-week peak | +52.0% | +43.2% | +48.8% | +44.2% |
| RSI (14)Momentum oscillator 0–100 | 32.6 | 26.9 | 30.9 | 33.7 |
| Avg Volume (50D)Average daily shares traded | 13K | 959K | 968K | 242K |
PDCC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
OXLC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: OXLC as "Buy", ECC as "Buy", OCCI as "Hold". For income investors, OXLC offers the higher dividend yield at 49.77% vs ECC's 37.92%.
| Metric | PDCCPearl Diver Credi… | OXLCOxford Lane Capit… | ECCEagle 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 | — | +49.8% | +37.9% | +42.8% |
| Dividend StreakConsecutive years of raises | 2 | 4 | 0 | 1 |
| Dividend / ShareAnnual DPS | — | $4.62 | $1.45 | $1.20 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.3% | +0.0% | 0.0% |
OXLC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
OCCI leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). PDCC leads in 1 (Risk & Volatility). 1 tied.
Best OverallOFS Credit Company, Inc. (OCCI)Leads 3 of 6 categories
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PDCC vs OXLC vs ECC vs OCCI: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is PDCC or OXLC or ECC or OCCI 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 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 is the better long-term investment — PDCC or OXLC or ECC or OCCI?
Over the past 5 years, Eagle Point Credit Company Inc.
(ECC) delivered a total return of -1. 7%, 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 OXLC or ECC or OCCI?
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 OXLC or ECC or OCCI?
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: OFS Credit Company, Inc. grew EPS -143. 3% 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 OXLC or ECC or OCCI?
OFS Credit Company, Inc.
(OCCI) is the more profitable company, earning -24. 4% net margin versus -149. 4% for Oxford Lane Capital Corp. — meaning it keeps -24. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OCCI leads at -5. 5% versus -135. 4% for OXLC. At the gross margin level — before operating expenses — PDCC leads at 78. 9%, 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 OXLC or ECC or OCCI more undervalued right now?
On forward earnings alone, OFS Credit Company, Inc.
(OCCI) trades at 1. 9x forward P/E versus 5. 1x for Eagle Point Credit Company Inc. — 3. 2x cheaper on a one-year earnings basis.
07Which pays a better dividend — PDCC or OXLC or ECC or OCCI?
In this comparison, OXLC (49.
8% yield), OCCI (42. 8% yield), ECC (37. 9% yield) pay a dividend. PDCC does not pay a meaningful dividend and should not be held primarily for income.
08Is PDCC or OXLC or ECC or OCCI better for a retirement portfolio?
For long-horizon retirement investors, Oxford Lane Capital Corp.
(OXLC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 66), 49. 8% yield). Both have compounded well over 10 years (OXLC: +32. 8%, 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 OXLC and ECC 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: PDCC is a small-cap high-growth stock; OXLC is a small-cap high-growth stock; ECC is a small-cap income-oriented stock; OCCI is a small-cap high-growth stock. OXLC, ECC, OCCI 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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