Eagle Point Income Company Inc. (EICA) 10-Year Financial Performance & Capital Metrics

EICA • • Banking & Credit

Financial ServicesIncome Asset ManagementCLO & Structured Credit IncomeCLO Income Vehicles

AboutEagle Point Income Company manages capital on behalf of institutional, high-net-worth, and retail investors through private funds, separately managed accounts, and publicly-listed closed-end vehicles. They provide CLO securities and related investments. The investment objective is to generate high current income, with a secondary objective to generate capital appreciation.Show more

Net Interest Income $39M +64.3%
Total Revenue $46M +70.7%
Net Income $42M +41.9%
Return on Equity 17.49% -22.3%
Net Interest Margin 8.45% -12.1%
Efficiency Ratio 9.02% -58.8%
ROA 11.88% -20.4%
Equity / Assets 69.59% +7.2%
Book Value per Share 21.44 +28.8%
Tangible BV/Share 21.44 +28.8%
Debt/Equity 0.01 -93.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 41.1%
✓Strong NIM of 8.5%
✓Efficient operations: 9.0% efficiency ratio
✓Well capitalized: 69.6% equity/assets
✓Trading near 52-week high

✗Weaknesses

✗Shares diluted 55.5% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y42.12%

3Y54.88%

TTM-

Profit (Net Income) CAGR

10Y-

5Y41.09%

3Y73.13%

TTM-60.84%

EPS CAGR

10Y-

5Y17.78%

3Y31.7%

TTM-77.72%

ROCE

10Y Avg4.54%

5Y Avg3.14%

3Y Avg4.8%

Latest14.06%

Peer Comparison

CLO Income Vehicles

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	Debt/Equity
EICBEagle Point Income Company Inc.		24.97	8.89	70.74%	90.98%	4.94%	0.01
EICAEagle Point Income Company Inc.		24.78	8.82	70.74%	90.98%	4.94%	0.01
EICEagle Point Income Company Inc.	261.16M	11.13	3.96	70.74%	90.98%	4.94%	0.01

Profit & Loss

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	8.3M	10.74M	11.1M	16.42M	23.44M	38.51M
NII Growth %	-	-	0.29%	0.03%	0.48%	0.43%	0.64%
Net Interest Margin %	-	-	-	-	-	-	-
Interest Income	0	8.34M	11.28M	11.86M	18.95M	26.69M	46.11M
Interest Expense	0	35.48K	532.18K	764.72K	2.53M	3.25M	7.59M
Loan Loss Provision	395.2K	792.09K	1.2M	2.51M	551.23K	629.28K	-4.91M
Non-Interest Income+	1.52M	-458.95K	-14.53M	431.91K	92.02K	61.06K	-432.21K
Non-Interest Income %	-	-	-	-	-	-	-
Total Revenue+	1.52M	7.88M	-3.25M	12.3M	19.04M	26.75M	45.68M
Revenue Growth %	-	4.19%	-1.41%	4.78%	0.55%	0.41%	0.71%
Non-Interest Expense	25.72M	-433.88K	-522.89K	3.3M	29.29M	5.86M	4.12M
Efficiency Ratio	-	-	-	-	-	-	-
Operating Income+	6.07M	7.48M	-4.46M	6.94M	-13.33M	17.01M	49.15M
Operating Margin %	-	-	-	-	-	-	-
Operating Income Growth %	-	0.23%	-1.6%	2.56%	-2.92%	2.28%	1.89%
Pretax Income+	-4.91M	7.43M	-5.05M	8.85M	-15.95M	29.29M	41.55M
Pretax Margin %	-	-	-	-	-	-	-
Income Tax+	-4.91M	0	0	8.85M	0	0	0
Effective Tax Rate %	-	-	-	-	-	-	-
Net Income+	-4.91M	7.43M	-5.05M	8.01M	-15.95M	29.29M	41.55M
Net Margin %	-	-	-	-	-	-	-
Net Income Growth %	-	2.51%	-1.68%	2.59%	-2.99%	2.84%	0.42%
Net Income (Continuing)	-4.91M	7.43M	-5.05M	8.01M	-15.95M	29.29M	41.55M
EPS (Diluted)+	-1.05	1.24	-0.83	1.23	-2.28	3.08	2.81
EPS Growth %	-	2.18%	-1.67%	2.48%	-2.85%	2.35%	-0.09%
EPS (Basic)	-1.05	1.24	-0.83	1.23	-2.28	3.08	2.81
Diluted Shares Outstanding	4.66M	6.02M	6.11M	6.52M	6.99M	9.51M	14.79M

Balance Sheet

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	88.5K	196.49K	36.7K	211.76K	37.06K	944.06K	1000K
Cash & Due from Banks	88.5K	196.49K	36.7K	211.76K	37.06K	944.06K	8.1M
Short Term Investments	0	0	0	0	0	0	0
Total Investments+	0	0	0	0	0	0	0
Investments Growth %	-	-	-	-	-	-	-
Long-Term Investments	0	0	0	0	0	0	0
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0
Other Assets	68.69M	133.68M	116.43M	169.77M	143.38M	234.97M	435.75M
Total Current Assets	1.55M	3.16M	2.26M	3.41M	5.19M	8.76M	19.79M
Total Non-Current Assets	68.69M	133.68M	116.43M	169.77M	143.38M	234.97M	435.75M
Total Assets+	70.24M	136.84M	118.7M	173.18M	148.57M	243.73M	455.54M
Asset Growth %	-	0.95%	-0.13%	0.46%	-0.14%	0.64%	0.87%
Return on Assets (ROA)	-0.07%	0.07%	-0.04%	0.05%	-0.1%	0.15%	0.12%
Accounts Payable	1.32M	35.48K	71.47K	1.42M	143.39K	143.8K	88.22K
Total Debt+	0	13.64M	14.77M	19.46M	9.02M	14.49M	1.96M
Net Debt	-88.5K	13.44M	14.73M	19.25M	8.99M	13.54M	-6.14M
Long-Term Debt	0	13.64M	14.77M	19.46M	9.02M	14.49M	1.96M
Short-Term Debt	0	0	0	0	0	0	0
Other Liabilities	0	6.76M	734.47K	36.95M	37.46M	70.89M	136.5M
Total Current Liabilities	1.32M	35.48K	71.47K	1.42M	143.39K	143.8K	88.22K
Total Non-Current Liabilities	0	20.4M	15.51M	56.41M	46.49M	85.38M	138.46M
Total Liabilities	1.32M	20.43M	15.58M	57.83M	46.63M	85.52M	138.55M
Total Equity+	68.92M	116.41M	103.12M	115.35M	101.94M	158.21M	316.99M
Equity Growth %	-	0.69%	-0.11%	0.12%	-0.12%	0.55%	1%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.07%	0.08%	-0.05%	0.07%	-0.15%	0.23%	0.17%
Book Value per Share	14.80	19.34	16.89	17.70	14.58	16.64	21.44
Tangible BV per Share	-	-	-	-	-	-	-
Common Stock	75.35M	119.53M	119.18M	132.14M	146.04M	191.38M	340.18M
Additional Paid-in Capital	0	0	0	0	0	0	0
Retained Earnings	-6.43M	-3.12M	-16.06M	-15.97M	-42.27M	-33.6M	-22.87M
Accumulated OCI	0	0	0	0	0	0	0
Treasury Stock	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0

Cash Flow

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.41M	5.74M	8.13M	5.33M	9.61M	-63.43M	-157.06M
Operating CF Growth %	-	3.08%	0.42%	-0.34%	0.8%	-7.6%	-1.48%
Net Income	-4.91M	7.43M	-5.05M	8.01M	-15.95M	29.29M	41.55M
Depreciation & Amortization	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0
Other Non-Cash Items	6.5M	-312.88K	12.52M	-1.22M	27.28M	-90.25M	-195.38M
Working Capital Changes	-90.35K	-625.32K	659.66K	-586.43K	-1.72M	-2.47M	-3.24M
Cash from Investing+	-1.42M	-57.99M	-1.12M	-51.14M	-4.53M	0	0
Purchase of Investments	-3.12M	-68.33M	-36.13M	-89.25M	-14.41M	-83.54M	-290.69M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	0	1000K
Net Investment Activity	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0
Other Investing	0	0	0	0	0	0	183.1M
Cash from Financing+	100K	52.36M	-7.17M	45.99M	-5.26M	64.34M	164.22M
Dividends Paid	0	-5.44M	-9.1M	-7.05M	-12.16M	-18.08M	-34.32M
Share Repurchases	0	0	0	0	0	0	0
Stock Issued	100K	44.18M	862.55K	13.41M	14.36M	42.66M	151.99M
Net Stock Activity	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	1000K	-1000K	1000K	-1000K
Other Financing	100K	-118.14K	0	-116.98K	0	-50K	-63.29K
Net Change in Cash+	88.5K	107.99K	-159.78K	175.06K	-174.7K	907K	7.16M
Exchange Rate Effect	0	88.5K	0	-2	0	0	0
Cash at Beginning	0	88.5K	196.49K	36.7K	211.76K	37.06K	944.06K
Cash at End	88.5K	196.49K	36.7K	211.76K	37.06K	944.06K	8.1M
Interest Paid	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0
Free Cash Flow+	1.41M	5.74M	8.13M	5.33M	9.61M	-63.43M	-157.06M
FCF Growth %	-	3.08%	0.42%	-0.34%	0.8%	-7.6%	-1.48%

Banking Ratios

Metric	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-7.13%	8.02%	-4.6%	7.33%	-14.68%	22.52%	17.49%
Return on Assets (ROA)	-6.99%	7.18%	-3.95%	5.49%	-9.91%	14.93%	11.88%
Net Interest Margin	0%	6.07%	9.05%	6.41%	11.05%	9.62%	8.45%
Efficiency Ratio	1693.79%	-5.51%	16.09%	26.83%	153.86%	21.92%	9.02%
Equity / Assets	98.13%	85.07%	86.88%	66.61%	68.62%	64.91%	69.59%
Book Value / Share	14.8	19.34	16.89	17.7	14.58	16.64	21.44
NII Growth	-	-	29.44%	3.3%	47.94%	42.76%	64.3%
Dividend Payout	-	73.18%	-	87.98%	-	61.73%	82.6%

Frequently Asked Questions

Valuation & Price

Eagle Point Income Company Inc. (EICA) has a price-to-earnings (P/E) ratio of 8.8x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Eagle Point Income Company Inc. (EICA) grew revenue by 70.7% over the past year. This is strong growth.

Yes, Eagle Point Income Company Inc. (EICA) is profitable, generating $18.5M in net income for fiscal year 2024 (91.0% net margin).

Dividend & Returns

Yes, Eagle Point Income Company Inc. (EICA) pays a dividend with a yield of 9.37%. This makes it attractive for income-focused investors.

Eagle Point Income Company Inc. (EICA) has a return on equity (ROE) of 17.5%. This is reasonable for most industries.

Industry Metrics

Eagle Point Income Company Inc. (EICA) has a net interest margin (NIM) of 8.5%. This indicates healthy earnings from lending activities.

Eagle Point Income Company Inc. (EICA) has an efficiency ratio of 9.0%. This is excellent, indicating strong cost control.

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