Eagle Point Credit Company Inc. (ECCW) 10-Year Financial Performance & Capital Metrics

ECCW • • Banking & Credit

Financial ServicesAsset ManagementBusiness Development Companies (BDCs)CLO & Structured Credit Investors

AboutEagle Point Credit Co., Inc. is a closed-end investment company. Its investment objective is to generate high current income, and generate capital appreciation by investing primarily in equity and junior debt tranches of CLOs. The company was founded on March 24, 2014 and is headquartered in Greenwich, CT.Show more

Net Interest Income $153M +29.6%
Total Revenue $116M -14.9%
Net Income $80M -32.4%
Return on Equity 9.6% -50.1%
Net Interest Margin 10.17% -17.8%
Efficiency Ratio 10.45% +262.0%
ROA 6.53% -52.9%
Equity / Assets 62.23% -19.3%
Book Value per Share 10.03 -8.4%
Tangible BV/Share 10.03 -8.4%
Debt/Equity 0.29 +35.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 10.2%
✓Efficient operations: 10.5% efficiency ratio
✓Well capitalized: 62.2% equity/assets
✓Trading near 52-week high

✗Weaknesses

✗Weak 3Y average ROE of 3.0%
✗Weak Piotroski F-Score: 3/9
✗Shares diluted 39.0% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y17.56%

5Y70.34%

3Y-9.28%

TTM-

Profit (Net Income) CAGR

10Y25.41%

5Y-

3Y-15.23%

TTM-44.55%

EPS CAGR

10Y-1.72%

5Y-

3Y-37.43%

TTM-67.28%

ROCE

10Y Avg5.76%

5Y Avg8.18%

3Y Avg2.47%

Latest7.08%

Peer Comparison

CLO & Structured Credit Investors

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
OXLCGOxford Lane Capital Corp. 7.95% Notes due 2032		25.35	237.14	-67.05%	50.6%	10.15%		0.25
OXLCOxford Lane Capital Corp.	1.45B	14.92	139.57	-65.74%	50.6%	10.15%		0.25
PDPAPearl Diver Credit Company Inc.		25.32	29.79	6.8%	86.65%	13.08%		0.05
ECCUEagle Point Credit Company Inc.		25.20	29.30	-14.94%	69.26%	3.08%		0.29
ECCXEagle Point Credit Company Inc. 6.6875% NT 28	454.98M	25.15	29.24	-14.94%	69.26%	3.08%	22.76%	0.29
ECCFEagle Point Credit Company Inc.		24.93	28.99	-14.94%	69.26%	3.08%		0.29
ECCWEagle Point Credit Company Inc.		24.90	28.95	-14.94%	69.26%	3.08%		0.29
ECCCEagle Point Credit Company Inc.		24.65	28.66	-14.94%	69.26%	3.08%		0.29

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-2.52M	-7.94M	47.99M	50.4M	48.13M	48.05M	67.41M	96.91M	118.08M	153.07M
NII Growth %	-	-2.15%	7.05%	0.05%	-0.04%	-0%	0.4%	0.44%	0.22%	0.3%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	2.52M	7.94M	60.92M	65.2M	61.59M	58.54M	81.88M	111.04M	131.72M	171.41M
Interest Expense	0	0	12.93M	14.8M	13.46M	10.5M	14.47M	14.13M	13.63M	18.34M
Loan Loss Provision	0	13.61M	0	0	0	0	0	0	0	0
Non-Interest Income+	39.83M	49.82M	-12.9M	-100M	-53.5M	16.01M	73.43M	-189.64M	4.6M	-55.46M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	42.35M	57.76M	48.02M	-34.8M	8.09M	74.56M	155.31M	-78.6M	136.32M	115.95M
Revenue Growth %	0.84%	0.36%	-0.17%	-1.72%	1.23%	8.22%	1.08%	-1.51%	2.73%	-0.15%
Non-Interest Expense	13.2M	15.36M	3.96M	5.25M	3.32M	3.17M	8.98M	9.08M	3.94M	12.12M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.15M	40.48M	31.13M	-54.85M	-8.69M	60.89M	131.86M	-101.81M	118.75M	85.49M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.42%	0.39%	-0.23%	-2.76%	0.84%	8%	1.17%	-1.77%	2.17%	-0.28%
Pretax Income+	-40.96M	90.58M	31.13M	-54.85M	-8.69M	60.89M	131.86M	-101.81M	118.75M	85.49M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	384.79K	0	0	0	0	0	0	0	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-40.96M	90.96M	31.13M	-54.85M	-8.69M	60.89M	131.86M	-101.81M	118.75M	80.31M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-5.91%	3.22%	-0.66%	-2.76%	0.84%	8%	1.17%	-1.77%	2.17%	-0.32%
Net Income (Continuing)	-40.96M	90.58M	31.13M	-54.85M	-8.69M	60.89M	131.86M	-101.81M	118.75M	85.49M
EPS (Diluted)+	-2.96	5.61	1.76	-2.27	-0.30	1.88	3.51	-2.21	1.74	0.86
EPS Growth %	-3.89%	2.9%	-0.69%	-2.29%	0.87%	7.27%	0.87%	-1.63%	1.79%	-0.51%
EPS (Basic)	-2.96	5.61	1.76	-2.37	-0.30	1.88	3.51	-2.21	1.74	0.86
Diluted Shares Outstanding	13.82M	16.21M	17.69M	24.16M	28.63M	32.35M	37.53M	46.89M	67.18M	93.38M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	21.94M	26.25M	14.05M	1.52M	32.87M	4.76M	13.92M	56.83M	46.45M	42.22M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	234.28M	410.74M	0	0	0	0	0	0	8.23K	4.19M
Investments Growth %	0.08%	0.75%	-1%	-	-	-	-	-	-	507.62%
Long-Term Investments	234.28M	410.74M	0	0	0	0	0	0	8.23K	4.19M
Accounts Receivables	1000K	456.53K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0	0	0	0
Other Assets	0	-448.38M	479.91M	456.38M	428.74M	483.51M	730.72M	667.16M	871.45M	1.4B
Total Current Assets	34.68M	37.64M	33.06M	20.34M	46.02M	29.08M	37.32M	92.99M	83.03M	97.37M
Total Non-Current Assets	234.28M	410.74M	479.91M	456.38M	428.74M	483.51M	730.72M	667.16M	871.46M	1.41B
Total Assets+	268.96M	448.38M	512.97M	476.71M	474.76M	512.59M	768.04M	760.15M	954.49M	1.51B
Asset Growth %	-0.1%	0.67%	0.14%	-0.07%	-0%	0.08%	0.5%	-0.01%	0.26%	0.58%
Return on Assets (ROA)	-0.14%	0.25%	0.06%	-0.11%	-0.02%	0.12%	0.21%	-0.13%	0.14%	0.07%
Accounts Payable	0	124.31K	16.15M	0	0	6.38M	18.61M	27.43M	836.41K	43.93M
Total Debt+	67.28M	145.26M	88.61M	95.01M	99.75M	92.8M	140.69M	150.77M	157.71M	271.96M
Net Debt	45.34M	119M	74.56M	93.5M	66.88M	88.04M	126.78M	93.94M	111.27M	229.74M
Long-Term Debt	67.28M	145.26M	88.61M	95.01M	99.75M	92.8M	140.69M	150.77M	157.71M	271.96M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	92.95M	94.57M	71.74M	51.75M	82.54M	82.69M	60.17M	252.69M
Total Current Liabilities	12.07M	15.07M	16.15M	0	0	6.38M	18.61M	27.43M	836.41K	43.93M
Total Non-Current Liabilities	67.28M	145.26M	181.56M	189.59M	171.49M	144.55M	223.24M	233.46M	217.88M	524.65M
Total Liabilities	79.35M	160.33M	197.71M	189.59M	171.49M	150.93M	241.85M	260.89M	218.72M	568.58M
Total Equity+	189.61M	567.38M	315.26M	287.13M	303.27M	361.66M	526.19M	499.27M	735.78M	936.87M
Equity Growth %	-0.28%	1.99%	-0.44%	-0.09%	0.06%	0.19%	0.45%	-0.05%	0.47%	0.27%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.18%	0.24%	0.07%	-0.18%	-0.03%	0.18%	0.3%	-0.2%	0.19%	0.1%
Book Value per Share	13.72	35.01	17.82	11.88	10.59	11.18	14.02	10.65	10.95	10.03
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	270.31M	0	358.11M	435.71M	452.76M	452.14M	517.54M	719.7M	931.13M	1.26B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	-80.7M	288.05M	-29.74M	-150.05M	-148.42M	-90.99M	-13.01M	-224.95M	-221.44M	-312.69M
Accumulated OCI	0	288.05M	0	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	23.89M	26.14M	27.43M	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-76.57M	34.84M	-29.02M	-45.8M	26.94M	1.22M	42.64M	-74.97M	85.21M	103.55M
Operating CF Growth %	0.17%	1.45%	-1.83%	-0.58%	1.59%	-0.95%	33.92%	-2.76%	2.14%	0.22%
Net Income	-40.96M	90.58M	31.13M	-54.85M	-8.69M	60.89M	131.71M	-103.64M	116.89M	80.31M
Depreciation & Amortization	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-44.57M	-60.58M	-68.39M	24.59M	30.7M	-56.57M	-87.09M	38.49M	-31.16M	25.16M
Working Capital Changes	8.96M	2.76M	8.24M	-15.54M	4.94M	-3.09M	-1.98M	-9.83M	-519.64K	-1.92M
Cash from Investing+	0	-117.21M	-71.16M	0	114.65K	22.72K	-157.48M	0	-166.78M	-532.55M
Purchase of Investments	0	-281.65M	-257.85M	-332.38M	-173.67M	-225.13M	-485.03M	0	-315.75M	-929.29M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	0	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	0	0	0	0	12.74M	31.35M	0	0	0	-4.4M
Cash from Financing+	34.78M	86.69M	16.82M	33.27M	4.29M	-29.46M	124.06M	117.87M	71.33M	424.38M
Dividends Paid	-32.46M	-34.86M	-57.29M	-52.35M	-61.51M	-40.28M	-39.21M	-103.43M	-148.12M	-163.85M
Share Repurchases	0	0	0	0	0	0	-278.63K	0	0	0
Stock Issued	0	90.31M	43.18M	76.52M	88.53M	36.56M	75.05M	205.89M	219.45M	331.82M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	0	-1000K	1000K	1000K	0	1000K
Other Financing	42.24M	86.55M	-1.38M	78.34M	65.81M	-13.14K	-26.4M	0	0	-4.57M
Net Change in Cash+	-41.79M	4.31M	-12.2M	-12.53M	31.35M	-28.11M	9.16M	42.92M	-10.39M	-4.22M
Exchange Rate Effect	0	0	0	639	178	111.57K	-72.62K	16.8K	-150.28K	404.59K
Cash at Beginning	63.73M	21.94M	26.25M	14.05M	1.52M	32.87M	4.76M	13.92M	56.83M	46.45M
Cash at End	21.94M	26.25M	14.05M	1.52M	32.87M	4.76M	13.92M	56.83M	46.45M	42.22M
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-76.57M	34.84M	-29.02M	-45.8M	26.94M	1.22M	42.64M	-74.97M	85.21M	103.55M
FCF Growth %	0.17%	1.45%	-1.83%	-0.58%	1.59%	-0.95%	33.92%	-2.76%	2.14%	0.22%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-18.08%	24.03%	7.05%	-18.21%	-2.94%	18.31%	29.7%	-19.86%	19.23%	9.6%
Return on Assets (ROA)	-14.4%	25.36%	6.48%	-11.08%	-1.83%	12.33%	20.59%	-13.32%	13.85%	6.53%
Net Interest Margin	-0.94%	-1.77%	9.36%	10.57%	10.14%	9.37%	8.78%	12.75%	12.37%	10.17%
Efficiency Ratio	31.17%	26.6%	8.25%	-15.08%	41.05%	4.26%	5.78%	-11.55%	2.89%	10.45%
Equity / Assets	70.5%	126.54%	61.46%	60.23%	63.88%	70.56%	68.51%	65.68%	77.09%	62.23%
Book Value / Share	13.72	35.01	17.82	11.88	10.59	11.18	14.02	10.65	10.95	10.03
NII Growth	-	-215.28%	704.76%	5.01%	-4.5%	-0.18%	40.31%	43.75%	21.85%	29.63%
Dividend Payout	-	38.32%	184.03%	-	-	66.16%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Eagle Point Credit Company Inc. (ECCW) has a price-to-earnings (P/E) ratio of 29.0x. This suggests investors expect higher future growth.

Growth & Financials

Eagle Point Credit Company Inc. (ECCW) saw revenue decline by 14.9% over the past year.

Yes, Eagle Point Credit Company Inc. (ECCW) is profitable, generating $34.4M in net income for fiscal year 2024 (69.3% net margin).

Dividend & Returns

Yes, Eagle Point Credit Company Inc. (ECCW) pays a dividend with a yield of 7.05%. This makes it attractive for income-focused investors.

Eagle Point Credit Company Inc. (ECCW) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

Eagle Point Credit Company Inc. (ECCW) has a net interest margin (NIM) of 10.2%. This indicates healthy earnings from lending activities.

Eagle Point Credit Company Inc. (ECCW) has an efficiency ratio of 10.5%. This is excellent, indicating strong cost control.

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