OFS Credit Company, Inc.(OCCI)Earnings, Financials & Key Ratios
OCCI•NASDAQ•Banking & Credit
$3.38
$95M mkt cap·Price updated May 6, 2026
AboutOFS Credit Company, Inc. is a fund of OFS Advisor.Show more
- Net Interest Income$37M+28.6%
- Total Revenue$41M+117.0%
- Net Income-$10M-166.0%
- Return on Equity-6.57%-158.8%
- Net Interest Margin13.74%+14.4%
- Efficiency Ratio76.25%+288.8%
- ROA-3.88%-155.0%
- Equity / Assets56.5%-8.5%
- Book Value per Share5.99-32.7%
- Tangible BV/Share5.99-32.7%
- Debt/Equity0.74
OCCI Key Insights
OFS Credit Company, Inc. (OCCI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 13.7%
- ✓Well capitalized: 56.5% equity/assets
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 0.9%
- ✗High cost structure: 76.2% efficiency ratio
- ✗Weak momentum: RS Rating 18 (bottom 18%)
- ✗Shares diluted 53.1% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OCCI Price & Volume
OFS Credit Company, Inc. (OCCI) stock price & volume — 10-year historical chart
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OCCI Growth Metrics
OFS Credit Company, Inc. (OCCI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years15.64%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-165.99%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-141.61%
Return on Capital
10 Years0.66%
5 Years3.31%
3 Years0.32%
Last Year-0.88%
OCCI Recent Earnings
OFS Credit Company, Inc. (OCCI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 4/12 qtrs (33%)
Q4 2025Latest
Dec 10, 2025EPS
$0.32
Est $0.36
-11.1%
Revenue
$11M
Est $13M
-12.7%
Q4 2025
Sep 12, 2025EPS
$0.31
Est $0.38
-18.4%
Revenue
$12M
Est $12M
-1.4%
Q3 2025
Jun 9, 2025EPS
$0.37
Est $0.24
+54.2%
Revenue
$10M
Est $12M
-15.0%
Q2 2025
Mar 6, 2025EPS
$0.34
Est $0.23
+47.8%
Revenue
$10M
Est $10M
+4.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Dec 10, 2025 | $0.32vs $0.36-11.1% | $11Mvs $13M-12.7% |
| Q4 2025 | Sep 12, 2025 | $0.31vs $0.38-18.4% | $12Mvs $12M-1.4% |
| Q3 2025 | Jun 9, 2025 | $0.37vs $0.24+54.2% | $10Mvs $12M-15.0% |
| Q2 2025 | Mar 6, 2025 | $0.34vs $0.23+47.8% | $10Mvs $10M+4.9% |
Based on last 12 quarters of dataView full earnings history →
OCCI Peer Comparison
OFS Credit Company, Inc. (OCCI) competitors in Closed-end funds and investment trusts — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ECC | 552.12M | 4.22 | 4.91 | -14.94% | 3.08% | 0.29 | ||
 OXLC | 974M | 10.03 | 93.83 | -65.74% | 10.15% | 0.25 | ||
 EIC | 245.91M | 10.48 | 3.73 | 70.74% | 8% | 0.01 | ||
 ARCC | 13.76B | 19.16 | 10.30 | 32.87% | 8.11% | 1.12 | ||
 FSCO | 1.04B | 5.23 | 5.51 | -17.44% | 13.47% | 0.32 | ||
 CGBD | 866.09M | 11.88 | 7.52 | -2.92% | 6.2% | 1.07 | ||
 SLRC | 761.04M | 13.95 | 8.21 | 24.76% | 7.31% | 1.15 | ||
 PFLT | 913.8M | 9.21 | 12.79 | 2.2% | 3.23% | 1.65 |
Compare OCCI vs Peers
OFS Credit Company, Inc. (OCCI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OCCI Income Statement
OFS Credit Company, Inc. (OCCI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 7.88M | 9.44M | 12.83M | 22.17M | 27.07M | 28.92M | 37.2M |
| NII Growth % | - | - | 19.85% | 35.96% | 72.78% | 22.09% | 6.84% | 28.63% |
| Net Interest Margin % | 0% | 11.56% | 14.84% | 7.77% | 13.94% | 14.56% | 12.01% | 13.74% |
| Interest Income | 0 | 8.86M | 11.07M | 15.55M | 26.22M | 30.7M | 32.55M | 44.15M |
| Interest Expense | 69.47K | 982.2K | 1.63M | 2.72M | 4.05M | 3.62M | 3.63M | 6.95M |
| Loan Loss Provision | -59.47K | 1.7M | 1.54M | 2.15M | 3.29M | 0 | -3.63M | 4.9M |
| Non-Interest Income | 350.83K | -15.33M | -12.71M | 7.42M | 0 | 0 | -13.87M | -3.61M |
| Non-Interest Income % | 100% | 236.82% | 776.71% | 32.29% | 0% | 0% | -74.21% | -8.9% |
| Total Revenue | 350.83K▲ 0% | -6.47M▼ 1945.4% | -1.64M▲ 74.7% | 22.97M▲ 1504.1% | 26.22M▲ 14.2% | 30.7M▲ 17.1% | 18.69M▼ 39.1% | 40.54M▲ 117.0% |
| Revenue Growth % | - | -1945.37% | 74.73% | 1504.13% | 14.15% | 17.07% | -39.13% | 116.98% |
| Non-Interest Expense | 771.9K | 1.38M | 4.33M | 6.33M | 8.91M | 9.83M | 3.66M | 30.92M |
| Efficiency Ratio | 220.02% | -21.38% | -264.67% | 27.55% | 33.98% | 32.03% | 19.61% | 76.25% |
| Operating Income | 2.6M▲ 0% | -7.86M▼ 401.7% | -2.04M▲ 74.0% | 23.03M▲ 1226.2% | -9.15M▼ 139.7% | -8.81M▲ 3.7% | 15.02M▲ 270.5% | -2.22M▼ 114.8% |
| Operating Margin % | 742.36% | 121.38% | 125% | 100.25% | -34.91% | -28.7% | 80.39% | -5.48% |
| Operating Income Growth % | - | -401.73% | 73.98% | 1226.15% | -139.75% | 3.73% | 270.48% | -114.78% |
| Pretax Income | 286.51K▲ 0% | -7.86M▼ 2842.8% | -3.68M▲ 53.2% | 20.31M▲ 652.3% | -13.59M▼ 166.9% | -1.89M▲ 86.1% | 15.02M▲ 895.5% | -9.91M▼ 166.0% |
| Pretax Margin % | 81.67% | 121.38% | 224.76% | 88.41% | -51.81% | -6.15% | 80.39% | -24.45% |
| Income Tax | 286.51K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Effective Tax Rate % | 100% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Net Income | 286.51K▲ 0% | -7.86M▼ 2842.9% | -3.68M▲ 53.2% | 20.31M▲ 652.3% | -13.59M▼ 166.9% | -1.89M▲ 86.1% | 15.02M▲ 895.5% | -9.91M▼ 166.0% |
| Net Margin % | 81.67% | 121.38% | 224.76% | 88.41% | -51.81% | -6.15% | 80.39% | -24.45% |
| Net Income Growth % | - | -2842.87% | 53.21% | 652.33% | -166.9% | 86.1% | 895.49% | -165.99% |
| Net Income (Continuing) | 286.51K | -7.86M | -3.68M | 20.31M | -13.59M | -1.89M | 15.02M | -9.91M |
| EPS (Diluted) | 0.11▲ 0% | -3.02▼ 2845.5% | -1.14▲ 62.3% | 3.81▲ 434.2% | -1.65▼ 143.3% | -0.17▲ 89.7% | 0.90▲ 629.4% | -0.39▼ 143.3% |
| EPS Growth % | - | -2845.45% | 62.25% | 434.21% | -143.31% | 89.7% | 629.41% | -143.33% |
| EPS (Basic) | 0.11 | -3.02 | -1.14 | 3.81 | -1.65 | -0.17 | 0.90 | -0.39 |
| Diluted Shares Outstanding | 2.51M | 2.6M | 3.24M | 7.86M | 8.24M | 11.42M | 16.69M | 25.55M |
OCCI Balance Sheet
OFS Credit Company, Inc. (OCCI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 9.06M | 3.93M | 6.45M | 15M | 12.54M | 16.78M | 24.7M | 13.51M |
| Cash & Due from Banks | 9.06M | 3.93M | 6.45M | 15M | 12.54M | 16.78M | 24.7M | 13.51M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | 168.1M | 0 | 256.54M |
| Investments Growth % | - | - | - | - | - | - | -100% | - |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 168.1M | 0 | 256.54M |
| Accounts Receivables | 155.44K | 0 | 0 | 289.2K | 607.29K | 833.14K | 800.88K | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 41.88M | 64.15M | 57.15M | 149.92M | 145.88M | 0 | 215.28M | 778.19K |
| Total Current Assets | 9.23M | 3.99M | 6.45M | 15.28M | 13.15M | 17.61M | 25.5M | 13.51M |
| Total Non-Current Assets | 41.88M | 64.15M | 57.15M | 149.92M | 145.88M | 168.1M | 215.28M | 257.32M |
| Total Assets | 51.1M▲ 0% | 68.13M▲ 33.3% | 63.59M▼ 6.7% | 165.21M▲ 159.8% | 159.03M▼ 3.7% | 185.93M▲ 16.9% | 240.77M▲ 29.5% | 270.82M▲ 12.5% |
| Asset Growth % | - | 33.33% | -6.66% | 159.79% | -3.74% | 16.92% | 29.49% | 12.48% |
| Return on Assets (ROA) | 0.56% | -13.18% | -5.58% | 17.75% | -8.38% | -1.09% | 7.04% | -3.88% |
| Accounts Payable | 590K | 320K | 0 | 5.9M | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 62.77M | 0 | 113.91M |
| Net Debt | -9.06M | -3.93M | -6.45M | -15M | -12.54M | 45.99M | -24.7M | 100.41M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 62.77M | 0 | 87.91M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26M |
| Other Liabilities | 124.73K | 21.96M | 22.12M | 51.21M | 64.82M | 0 | 92.17M | 114.42M |
| Total Current Liabilities | 590K | 320K | 0 | 5.9M | 0 | 2.77M | 0 | 3.38M |
| Total Non-Current Liabilities | 124.73K | 21.96M | 22.12M | 51.21M | 64.82M | 62.77M | 92.17M | 114.42M |
| Total Liabilities | 714.73K | 22.28M | 22.12M | 57.11M | 64.82M | 65.74M | 92.17M | 117.8M |
| Total Equity | 50.39M▲ 0% | 45.86M▼ 9.0% | 41.48M▼ 9.6% | 108.1M▲ 160.6% | 94.21M▼ 12.9% | 120.19M▲ 27.6% | 148.61M▲ 23.6% | 153.02M▲ 3.0% |
| Equity Growth % | - | -8.99% | -9.55% | 160.64% | -12.85% | 27.58% | 23.64% | 2.97% |
| Equity / Assets (Capital Ratio) | 98.6% | 67.3% | 65.22% | 65.43% | 59.24% | 64.64% | 61.72% | 56.5% |
| Return on Equity (ROE) | 0.57% | -16.33% | -8.42% | 27.15% | -13.43% | -1.76% | 11.18% | -6.57% |
| Book Value per Share | 20.11 | 17.63 | 12.81 | 13.75 | 11.44 | 10.53 | 8.90 | 5.99 |
| Tangible BV per Share | 20.11 | 17.63 | 12.81 | 13.75 | 11.44 | 10.53 | 8.90 | 5.99 |
| Common Stock | 2.5K | 3.06K | 3.58K | 7.72K | 9.44K | 15.92K | 20.7K | 28.03K |
| Additional Paid-in Capital | 49.96M | 50.95M | 53.3M | 96.35M | 109.54M | 163.08M | 193.76M | 218.83M |
| Retained Earnings | 420.08K | -5.09M | -11.83M | 11.74M | -15.34M | -42.91M | -45.17M | -65.83M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OCCI Cash Flow Statement
OFS Credit Company, Inc. (OCCI) cash flow — operating, investing & free cash flow history
| Line item | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.57M | -28.93M | 3.46M | -65.72M | -14.6M | -23.68M | -30.55M | 34.53M |
| Operating CF Growth % | - | -1225.02% | 111.95% | -2000.19% | 77.79% | -62.19% | -29.05% | 213.03% |
| Net Income | 286.51K | -7.86M | -3.68M | 20.31M | -13.59M | -1.89M | 15.02M | -9.91M |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 1.3M | -22.17M | 7.43M | -92.5M | 4.75M | -21.87M | -46.29M | 43.95M |
| Working Capital Changes | 545.74K | 1.09M | -292.9K | 6.48M | -5.76M | 82.22K | 716K | 491.01K |
| Cash from Investing | -43.62M | -38.74M | -5.18M | -86.58M | -31.47M | -49.78M | 0 | -84.86M |
| Purchase of Investments | -43.62M | -40.92M | -5.18M | -117.6M | -49.96M | -62.88M | -124.23M | -139.35M |
| Sale/Maturity of Investments | 0 | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | -43.62M | -39.92M | -5.18M | -116.6M | -48.96M | -61.88M | -123.23M | -138.35M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 0 | 0 | 0 | 0 | 64.74M | 0 |
| Cash from Financing | 50M | 23.81M | -942.65K | 74.27M | 12.14M | 27.92M | 38.47M | 39.13M |
| Dividends Paid | 0 | -5.48M | -3.49M | -2.23M | -3.63M | -5M | -19.01M | -30.75M |
| Share Repurchases | 50M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 50M | 9.17M | 2.82M | 48.66M | 3.33M | 32.91M | 31.96M | 69.88M |
| Net Stock Activity | 100M | 9.17M | 2.82M | 48.66M | 3.33M | 32.91M | 31.96M | 69.88M |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 1000K | 0 | 0 | 0 |
| Other Financing | 50M | -1.21M | -267.23K | -182.11K | 0 | 0 | -246.72K | 0 |
| Net Change in Cash | 8.96M▲ 0% | -5.13M▼ 157.2% | 2.52M▲ 149.1% | 8.55M▲ 239.8% | -2.45M▼ 128.7% | 4.24M▲ 272.7% | 7.92M▲ 86.7% | -11.19M▼ 241.4% |
| Exchange Rate Effect | 0 | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 0 |
| Cash at Beginning | 100K | 9.06M | 3.93M | 6.45M | 15M | 12.54M | 16.78M | 24.7M |
| Cash at End | 9.06M | 3.93M | 6.45M | 15M | 12.54M | 16.78M | 24.7M | 13.51M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 2.57M▲ 0% | -28.93M▼ 1225.0% | 3.46M▲ 112.0% | -65.72M▼ 2000.2% | -14.6M▲ 77.8% | -23.68M▼ 62.2% | -30.55M▼ 29.0% | 34.53M▲ 213.0% |
| FCF Growth % | - | -1225.02% | 111.95% | -2000.19% | 77.79% | -62.19% | -29.05% | 213.03% |
OCCI Banking Ratios
OFS Credit Company, Inc. (OCCI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 0.57% | -16.33% | -8.42% | 27.15% | -13.43% | -1.76% | 11.18% | -6.57% |
| Return on Assets (ROA) | 0.56% | -13.18% | -5.58% | 17.75% | -8.38% | -1.09% | 7.04% | -3.88% |
| Net Interest Margin | 0% | 11.56% | 14.84% | 7.77% | 13.94% | 14.56% | 12.01% | 13.74% |
| Efficiency Ratio | 220.02% | -21.38% | -264.67% | 27.55% | 33.98% | 32.03% | 19.61% | 76.25% |
| Equity / Assets | 98.6% | 67.3% | 65.22% | 65.43% | 59.24% | 64.64% | 61.72% | 56.5% |
| Book Value / Share | 20.11 | 17.63 | 12.81 | 13.75 | 11.44 | 10.53 | 8.9 | 5.99 |
| NII Growth | - | - | 19.85% | 35.96% | 72.78% | 22.09% | 6.84% | 28.63% |
| Dividend Payout | - | - | - | 11% | - | - | 126.53% | - |
OCCI Frequently Asked Questions
OFS Credit Company, Inc. (OCCI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
OFS Credit Company, Inc. (OCCI) grew revenue by 117.0% over the past year. This is strong growth.
OFS Credit Company, Inc. (OCCI) reported a net loss of $9.9M for fiscal year 2025.
Dividend & Returns
Yes, OFS Credit Company, Inc. (OCCI) pays a dividend with a yield of 35.65%. This makes it attractive for income-focused investors.
OFS Credit Company, Inc. (OCCI) has a return on equity (ROE) of -6.6%. Negative ROE indicates the company is unprofitable.
Industry Metrics
OFS Credit Company, Inc. (OCCI) has a net interest margin (NIM) of 13.7%. This indicates healthy earnings from lending activities.
OFS Credit Company, Inc. (OCCI) has an efficiency ratio of 76.2%. This is higher than peers, suggesting room for cost optimization.
Explore More OCCI
OFS Credit Company, Inc. (OCCI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
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Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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