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Pearl Diver Credit Company Inc. (PDCC) 10-Year Financial Performance & Capital Metrics

PDCC • • Banking & Credit
Financial ServicesAsset ManagementBusiness Development Companies (BDCs)CLO & Structured Credit Investors
AboutPearl Diver Credit Co., Inc. operates as an investment company. It focuses on the investing in collateralized loan obligations securities. The company was founded on April 12, 2023 and is headquartered in New York, NY.Show more
  • Net Interest Income $2M
  • Total Revenue $17M +679.8%
  • Net Income $7M -19.2%
  • Return on Equity 5.84% -32.8%
  • Net Interest Margin 1.35%
  • Efficiency Ratio 12.95%
  • ROA 4.91% -43.5%
  • Equity / Assets 75.51% -24.5%
  • Book Value per Share 16.91 +34.4%
  • Tangible BV/Share 16.91 +34.4%
  • Debt/Equity 0.05
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Efficient operations: 12.9% efficiency ratio
  • ✓Well capitalized: 75.5% equity/assets
  • ✓Diversified revenue: 85.8% from non-interest income
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Weak NIM of 1.3%
  • ✗Weak momentum: RS Rating 16 (bottom 16%)
  • ✗Dividend payout exceeds 100% of earnings
  • ✗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.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y-
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-

EPS CAGR

10Y-
5Y-
3Y-
TTM-

ROCE

10Y Avg11.52%
5Y Avg11.52%
3Y Avg11.52%
Latest11.52%

Peer Comparison

CLO & Structured Credit Investors
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Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
Safety & Leverage
TTM Growth
Famous Investor Metrics
Dividends
Latest Quarter
Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
OXLCGOxford Lane Capital Corp. 7.95% Notes due 203225.35237.14-67.05%50.6%10.15%0.25
OXLCOxford Lane Capital Corp.1.45B14.92139.57-65.74%50.6%10.15%0.25
PDPAPearl Diver Credit Company Inc.25.3229.796.8%86.65%13.08%0.05
ECCUEagle Point Credit Company Inc.25.2029.30-14.94%69.26%3.08%0.29
ECCXEagle Point Credit Company Inc. 6.6875% NT 28454.98M25.1529.24-14.94%69.26%3.08%22.76%0.29
ECCFEagle Point Credit Company Inc.24.9328.99-14.94%69.26%3.08%0.29
ECCWEagle Point Credit Company Inc.24.9028.95-14.94%69.26%3.08%0.29
ECCCEagle Point Credit Company Inc.24.6528.66-14.94%69.26%3.08%0.29

Profit & Loss

Dec 2023Dec 2024
Net Interest Income+02.41M
NII Growth %--
Net Interest Margin %--
Interest Income02.48M
Interest Expense070.69K
Loan Loss Provision00
Non-Interest Income+2.24M15.01M
Non-Interest Income %--
Total Revenue+2.24M17.49M
Revenue Growth %-6.8%
Non-Interest Expense02.26M
Efficiency Ratio--
Operating Income+8.4M15.15M
Operating Margin %--
Operating Income Growth %-0.8%
Pretax Income+8.38M6.77M
Pretax Margin %--
Income Tax+00
Effective Tax Rate %--
Net Income+8.38M6.77M
Net Margin %--
Net Income Growth %--0.19%
Net Income (Continuing)8.38M6.77M
EPS (Diluted)+1.090.85
EPS Growth %--0.22%
EPS (Basic)1.090.85
Diluted Shares Outstanding7.67M8M

Balance Sheet

Dec 2023Dec 2024
Cash & Short Term Investments+1000K188.06K
Cash & Due from Banks19.49M188.06K
Short Term Investments00
Total Investments+00
Investments Growth %--
Long-Term Investments00
Accounts Receivables042.05K
Goodwill & Intangibles+--
Goodwill00
Intangible Assets00
PP&E (Net)00
Other Assets76.98M178.84M
Total Current Assets19.49M230.1K
Total Non-Current Assets76.98M178.84M
Total Assets+96.46M179.07M
Asset Growth %-0.86%
Return on Assets (ROA)0.09%0.05%
Accounts Payable06.26M
Total Debt+06.64M
Net Debt-19.49M6.45M
Long-Term Debt06.64M
Short-Term Debt06.64M
Other Liabilities18.76K30.96M
Total Current Liabilities06.26M
Total Non-Current Liabilities18.76K37.6M
Total Liabilities18.76K43.86M
Total Equity+96.44M135.22M
Equity Growth %-0.4%
Equity / Assets (Capital Ratio)--
Return on Equity (ROE)0.09%0.06%
Book Value per Share12.5816.91
Tangible BV per Share--
Common Stock06.8K
Additional Paid-in Capital0133.7M
Retained Earnings01.51M
Accumulated OCI00
Treasury Stock00
Preferred Stock00

Cash Flow

Dec 2023Dec 2024
Cash from Operations+2.17M-9.71M
Operating CF Growth %--5.47%
Net Income8.38M6.77M
Depreciation & Amortization00
Deferred Taxes00
Other Non-Cash Items-6.23M-24.6M
Working Capital Changes18.76K8.12M
Cash from Investing+-70.75M-152.72M
Purchase of Investments-70.75M-173.99M
Sale/Maturity of Investments01000K
Net Investment Activity--
Acquisitions00
Other Investing0240
Cash from Financing+88.06M162.62M
Dividends Paid-2.16M-7.48M
Share Repurchases00
Stock Issued0164.96M
Net Stock Activity--
Debt Issuance (Net)01000K
Other Financing90.22M-1.5M
Net Change in Cash+19.49M-19.25M
Exchange Rate Effect0-1000K
Cash at Beginning019.49M
Cash at End19.49M233.98K
Interest Paid00
Income Taxes Paid00
Free Cash Flow+2.17M-168.35M
FCF Growth %--78.48%

Banking Ratios

Metric20232024
Return on Equity (ROE)8.69%5.84%
Return on Assets (ROA)8.69%4.91%
Net Interest Margin0%1.35%
Efficiency Ratio0%12.95%
Equity / Assets99.98%75.51%
Book Value / Share12.5816.91
Dividend Payout25.8%110.43%

Frequently Asked Questions

Valuation & Price

Pearl Diver Credit Company Inc. (PDCC) has a price-to-earnings (P/E) ratio of 16.5x. This is roughly in line with market averages.

Growth & Financials

Pearl Diver Credit Company Inc. (PDCC) grew revenue by 679.8% over the past year. This is strong growth.

Yes, Pearl Diver Credit Company Inc. (PDCC) is profitable, generating $6.8M in net income for fiscal year 2024 (38.7% net margin).

Dividend & Returns

Yes, Pearl Diver Credit Company Inc. (PDCC) pays a dividend with a yield of 6.68%. This makes it attractive for income-focused investors.

Pearl Diver Credit Company Inc. (PDCC) has a return on equity (ROE) of 5.8%. This is below average, suggesting room for improvement.

Industry Metrics

Pearl Diver Credit Company Inc. (PDCC) has a net interest margin (NIM) of 1.3%. NIM has been under pressure due to interest rate environment.

Pearl Diver Credit Company Inc. (PDCC) has an efficiency ratio of 12.9%. This is excellent, indicating strong cost control.

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