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Pearl Diver Credit Company Inc.(PDCC)Earnings, Financials & Key Ratios
PDCC•NYSE•Banking & Credit
Price updated Jun 15, 2026
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$19M+705.8%
- Total Revenue$22M+27.4%
- Net Income-$19M-385.6%
- Return on Equity-14.46%-347.4%
- Net Interest Margin13.75%+920.9%
- Efficiency Ratio150.64%+1063.6%
- ROA-12.07%-345.6%
- Equity / Assets93.48%+23.8%
- Book Value per Share18.98+12.2%
- Tangible BV/Share18.98+12.2%
- Debt/Equity0.05+6.8%
PDCC Key Insights
Pearl Diver Credit Company Inc. (PDCC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong NIM of 13.7%
- ✓Well capitalized: 93.5% equity/assets
- ✓Share count reduced 12.9% through buybacks
- ✓Trading at only 0.5x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 0.0%
- ✗High cost structure: 150.6% efficiency ratio
- ✗Weak momentum: RS Rating 14 (bottom 14%)
- ✗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.
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PDCC Price & Volume
Pearl Diver Credit Company Inc. (PDCC) stock price & volume — 10-year historical chart
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PDCC Growth Metrics
Pearl Diver Credit Company Inc. (PDCC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
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Return on Capital
10 Years0.56%
5 Years0.56%
3 Years0.56%
Last Year-10.41%
PDCC Peer Comparison
Pearl Diver Credit Company Inc. (PDCC) 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 |
|---|---|---|---|---|---|---|---|---|
 OXLC | 905.73M | 9.28 | -1.55 | 309.08% | -65.48% | -33.24% | 0.75 | |
 ECC | 505.04M | 3.82 | -3.64 | 0.12% | -74.05% | -11.73% | 0.37 | |
 EIC | 238.79M | 10.19 | -206.28 | 10.65% | -2.15% | -0.33% | 0.46 | |
 OCCI | 82.37M | 2.81 | -7.21 | 116.98% | -22.88% | -6.12% | 0.74 | |
 ARCC | 13.37B | 18.62 | 10.01 | 32.87% | 43.69% | 8.11% | 1.12 | |
 GBDC | 3.31B | 12.72 | 8.96 | 42.5% | 26.91% | 5.24% | 1.23 | |
 PSEC | 1.16B | 2.31 | -1.71 | -159.23% | -38% | -1.12% | 0.70 | |
 SLRC | 684.12M | 12.54 | 7.38 | 24.76% | 39.78% | 7.31% | 1.15 |
Compare PDCC vs Peers
Pearl Diver Credit Company Inc. (PDCC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PDCC Income Statement
Pearl Diver Credit Company Inc. (PDCC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Net Interest Income | 0 | 2.41M | 19.43M | 6.1M |
NII Growth % | - | - | 705.82% | 0% |
Net Interest Margin % | 0% | 1.35% | 13.75% | 3.87% |
Interest Income | 0 | 2.48M | 22.77M | 6.1M |
Interest Expense | 0 | 70.69K | 3.34M | 0 |
Loan Loss Provision | 0 | 0 | 1.37M | 2.1M |
Non-Interest Income | 2.24M | 15.01M | -499.76K | 9.5M |
Non-Interest Income % | 100% | 85.81% | -2.24% | 60.89% |
Total Revenue | 2.24M▲ 0% | 17.49M▲ 679.8% | 22.27M▲ 27.4% | 15.6M▲ 0% |
Revenue Growth % | - | 679.77% | 27.37% | 0% |
Non-Interest Expense | 0 | 2.26M | 33.55M | 6.4M |
Efficiency Ratio | 0% | 12.95% | 150.64% | 41.04% |
Operating Income | 8.4M▲ 0% | 15.15M▲ 80.4% | -15.99M▼ 205.5% | 6.82M▲ 0% |
Operating Margin % | 374.53% | 86.65% | -71.78% | 43.76% |
Operating Income Growth % | - | 80.4% | -205.52% | - |
Pretax Income | 8.38M▲ 0% | 6.77M▼ 19.2% | -19.33M▼ 385.6% | 6.77M▲ 0% |
Pretax Margin % | 373.79% | 38.71% | -86.79% | 43.41% |
Income Tax | 0 | 0 | 0 | 0 |
Effective Tax Rate % | 0% | 0% | 0% | 0% |
Net Income | 8.38M▲ 0% | 6.77M▼ 19.2% | -19.33M▼ 385.6% | 5.97M▲ 0% |
Net Margin % | 373.79% | 38.71% | -86.79% | 38.28% |
Net Income Growth % | - | -19.24% | -385.56% | - |
Net Income (Continuing) | 8.38M | 6.77M | -19.33M | 6.77M |
EPS (Diluted) | 1.09▲ 0% | 0.85▼ 22.0% | -2.35▼ 376.5% | -▲ 0% |
EPS Growth % | - | -22.02% | -376.47% | - |
EPS (Basic) | 1.09 | 0.85 | -2.35 | - |
Diluted Shares Outstanding | 7.67M | 8M | 6.96M | 6.72M |
PDCC Balance Sheet
Pearl Diver Credit Company Inc. (PDCC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Cash & Short Term Investments | 19.49M | 188.06K | 1.03M | 32.94M |
Cash & Due from Banks | 19.49M | 188.06K | 99.69K | 43.62K |
Short Term Investments | 0 | 0 | 928.44K | 2.78M |
Total Investments | 0 | 29.74M | 140.87M | 157.04M |
Investments Growth % | - | - | 373.58% | 0% |
Long-Term Investments | 0 | 0 | 139.94M | 154.26M |
Accounts Receivables | 0 | 42.05K | 18.56K | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 |
PP&E (Net) | 0 | 0 | 0 | 0 |
Other Assets | 76.98M | 178.84M | 361.35K | 433.5K |
Total Current Assets | 19.49M | 230.1K | 1.05M | 2.85M |
Total Non-Current Assets | 76.98M | 178.84M | 140.3M | 154.69M |
Total Assets | 96.46M▲ 0% | 179.07M▲ 85.6% | 141.35M▼ 21.1% | 157.54M▲ 0% |
Asset Growth % | - | 85.64% | -21.07% | 0% |
Return on Assets (ROA) | 8.69% | 4.91% | -12.07% | 3.56% |
Accounts Payable | 0 | 6.26M | 0 | 0 |
Total Debt | 0 | 6.64M | 6.93M | 6.93M |
Net Debt | -19.49M | 6.45M | 6.83M | 6.88M |
Long-Term Debt | 0 | 6.64M | 0 | 0 |
Short-Term Debt | 0 | 6.64M | 6.93M | 6.93M |
Other Liabilities | 18.76K | 30.96M | 2.29M | 2.18M |
Total Current Liabilities | 0 | 6.26M | 6.93M | 6.93M |
Total Non-Current Liabilities | 18.76K | 37.6M | 2.29M | 2.18M |
Total Liabilities | 18.76K | 43.86M | 9.21M | 9.11M |
Total Equity | 96.44M▲ 0% | 135.22M▲ 40.2% | 132.13M▼ 2.3% | 148.43M▲ 0% |
Equity Growth % | - | 40.2% | -2.28% | 0% |
Equity / Assets (Capital Ratio) | 99.98% | 75.51% | 93.48% | 94.22% |
Return on Equity (ROE) | 8.69% | 5.84% | -14.46% | 4.11% |
Book Value per Share | 12.58 | 16.91 | 18.98 | 22.09 |
Tangible BV per Share | 12.58 | 16.91 | 18.98 | 22.09 |
Common Stock | 0 | 6.8K | 6.83K | 6.8K |
Additional Paid-in Capital | 0 | 133.7M | 135.14M | 129.33M |
Retained Earnings | 0 | 1.51M | -36.59M | -14.43M |
Accumulated OCI | 0 | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 33.58M | 33.52M |
PDCC Cash Flow Statement
Pearl Diver Credit Company Inc. (PDCC) cash flow — operating, investing & free cash flow history
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Cash from Operations | 2.17M | -9.71M | 27.81M | 24.22M |
Operating CF Growth % | - | -546.96% | 386.31% | 0% |
Net Income | 8.38M | 6.77M | -19.33M | 5.94M |
Depreciation & Amortization | 0 | 0 | 0 | 0 |
Deferred Taxes | 0 | 0 | 0 | 0 |
Other Non-Cash Items | -6.23M | -24.6M | 47.09M | 12.01M |
Working Capital Changes | 18.76K | 8.12M | 46.81K | 6.27M |
Cash from Investing | -70.75M | -152.72M | -44.26M | -146.91M |
Purchase of Investments | -70.75M | -173.99M | -65.64M | -186.33M |
Sale/Maturity of Investments | 0 | 21.27M | 21.38M | 39.43M |
Net Investment Activity | -70.75M | -152.72M | -44.26M | -146.91M |
Acquisitions | 0 | 0 | 0 | 0 |
Other Investing | 0 | 240 | 0 | 0 |
Cash from Financing | 88.06M | 162.62M | -12.45M | 153.7M |
Dividends Paid | -2.16M | -7.48M | 0 | -16.45M |
Share Repurchases | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 164.96M | 4.99M | 165.05M |
Net Stock Activity | 0 | 164.96M | 4.99M | 165.05M |
Debt Issuance (Net) | 0 | 1000K | 290.31K | -1.04M |
Other Financing | 90.22M | -1.5M | -17.73M | 11.77M |
Net Change in Cash | 19.49M▲ 0% | -19.25M▼ 198.8% | -188.06K▲ 99.0% | 159.38K▲ 0% |
Exchange Rate Effect | 0 | -19.49M | 28.72M | -30.86M |
Cash at Beginning | 0 | 19.49M | 188.06K | 177K |
Cash at End | 19.49M | 233.98K | 0 | 43.62K |
Interest Paid | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 |
Free Cash Flow | 2.17M▲ 0% | -9.71M▼ 547.0% | 27.81M▲ 386.3% | 24.22M▲ 0% |
FCF Growth % | - | -546.98% | 386.29% | - |
PDCC Banking Ratios
Pearl Diver Credit Company Inc. (PDCC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2024 | 2025 | TTM |
|---|---|---|---|
| Return on Equity (ROE) | 5.84% | -14.46% | 4.11% |
| Return on Assets (ROA) | 4.91% | -12.07% | 3.56% |
| Net Interest Margin | 1.35% | 13.75% | 3.87% |
| Efficiency Ratio | 12.95% | 150.64% | 41.04% |
| Equity / Assets | 75.51% | 93.48% | 94.22% |
| Book Value / Share | 16.91 | 18.98 | 22.09 |
| NII Growth | - | 705.82% | - |
| Dividend Payout | 110.43% | - | 125.23% |
Related:PDCC Dividend History·PDCC Revenue History·PDCC Price History·PDCC P/E History·PDCC Financial Ratios·PDCC Institutional Holders
PDCC SEC Filings & Documents
Pearl Diver Credit Company Inc. (PDCC) SEC filings — annual & quarterly reports (10-K, 10-Q)
PDCC Frequently Asked Questions
Pearl Diver Credit Company Inc. (PDCC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Pearl Diver Credit Company Inc. (PDCC) grew revenue by 27.4% over the past year. This is strong growth.
Pearl Diver Credit Company Inc. (PDCC) reported a net loss of $19.3M for fiscal year 2025.
Dividend & Returns
Pearl Diver Credit Company Inc. (PDCC) has a return on equity (ROE) of -14.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Pearl Diver Credit Company Inc. (PDCC) has a net interest margin (NIM) of 13.7%. This indicates healthy earnings from lending activities.
Pearl Diver Credit Company Inc. (PDCC) has an efficiency ratio of 150.6%. This is higher than peers, suggesting room for cost optimization.