Pearl Diver Credit Company Inc. (PDCC) Financial Ratios
3 years of historical data (2023–2025) · Financial Services · Asset Management
EV/EBITDA
N/A
—
5yr avg: 11.22
30Y Low11.2·High11.2
P/FCF
2.34
↓-33% vs avg
5yr avg: 3.49
30Y Low3.5·High3.5
P/B Ratio
↓
0.50
↓-48% vs avg
5yr avg: 0.97
30Y Low0.7·High1.2
ROE
↓
-14.5%
↑-58651% vs avg
5yr avg: 0.0%
30Y Low-14%·High9%
Debt/EBITDA
N/A
—
5yr avg: 0.44
30Y Low0.4·High0.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PDCC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Pearl Diver Credit Company Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 2.3x P/FCF, 33% below the 5-year average of 3.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $65M | $97M | $164M | — |
| Enterprise Value | $72M | $104M | $170M | — |
| P/E Ratio → | -4.07 | — | 24.06 | — |
| P/S Ratio | 2.92 | 4.35 | 9.35 | — |
| P/B Ratio | 0.50 | 0.73 | 1.21 | — |
| P/FCF | 2.34 | 3.49 | — | — |
| P/OCF | 2.34 | 3.49 | — | — |
P/E links to full P/E history page with 30-year chart
PDCC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | 4.66 | 9.72 | — |
| EV / EBITDA | — | — | 11.22 | — |
| EV / EBIT | — | — | 11.22 | — |
| EV / FCF | — | 3.73 | — | — |
PDCC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Pearl Diver Credit Company Inc. earns an operating margin of -71.8%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 374.5% to -71.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -14.5% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 78.9% | 78.9% | 99.6% | 100.0% |
| Operating Margin | -71.8% | -71.8% | 86.6% | 374.5% |
| Net Profit Margin | -86.8% | -86.8% | 38.7% | 373.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | -14.5% | -14.5% | 5.8% | 8.7% |
| ROA | -12.1% | -12.1% | 4.9% | 8.7% |
| ROIC | -8.5% | -8.5% | 9.5% | — |
| ROCE | -10.4% | -10.4% | 11.5% | — |
PDCC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $7M ($7M total debt minus $99688 cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 0.05 | 0.05 | 0.05 | — |
| Debt / EBITDA | — | — | 0.44 | — |
| Net Debt / Equity | — | 0.05 | 0.05 | -0.20 |
| Net Debt / EBITDA | — | — | 0.43 | -2.32 |
| Debt / FCF | — | 0.25 | — | -8.97 |
| Interest Coverage | -4.78 | -4.78 | 214.34 | — |
PDCC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.15x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.04x to 0.15x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.04 | — |
| Quick Ratio | 0.15 | 0.15 | 0.04 | — |
| Cash Ratio | 0.01 | 0.01 | 0.03 | — |
| Asset Turnover | — | 0.16 | 0.10 | 0.02 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
PDCC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Pearl Diver Credit Company Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | — | — | — | — |
| Payout Ratio | — | — | 110.4% | 25.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | — | — | 4.2% | — |
| FCF Yield | 42.7% | 28.7% | — | — |
| Buyback Yield | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — |
| Shares Outstanding | — | $7M | $8M | $8M |
Peer Comparison
Compare PDCC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PDCCYou | $65M | -4.1 | — | 2.3 | 78.9% | -71.8% | -14.5% | -8.5% | — |
 OXLC | $906M | -1.5 | — | 1.3 | 68.2% | -135.4% | -39.2% | -18.7% | — |
 ECC | $505M | -3.6 | — | — | 59.1% | -75.3% | -15.9% | -5.9% | — |
 EIC | $239M | -206.3 | 34.7 | — | 83.4% | 21.5% | -0.4% | 2.1% | 13.3 |
 OCCI | $82M | -7.2 | — | 2.4 | 70.8% | -5.5% | -6.6% | -0.8% | — |
 ARCC | $13B | 10.0 | 13.0 | 11.7 | 75.7% | 69.7% | 9.4% | 5.7% | 7.3 |
 GBDC | $3B | 9.0 | 11.9 | — | 81.5% | 78.9% | 9.4% | 5.9% | 7.1 |
 PSEC | $1B | -1.7 | — | 2.2 | 147.0% | 169.8% | -14.0% | -6.3% | — |
 SLRC | $684M | 7.4 | 11.1 | — | 73.3% | 72.9% | 9.3% | 5.8% | 7.0 |
 CGBD | $762M | 10.9 | 12.8 | — | 70.9% | 86.2% | 6.8% | 5.6% | 8.7 |
 PFLT | $771M | 10.8 | 35.9 | 8.1 | 45.6% | 39.4% | 6.8% | 2.1% | 26.3 |
| Financial Services Median | — | 13.7 | 11.4 | 11.1 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 3 years · Updated daily
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Run the NumbersIs PDCC Undervalued Right Now?
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Compare NowPDCC — Frequently Asked Questions
Quick answers to the most common questions about buying PDCC stock.
What is Pearl Diver Credit Company Inc.'s P/E ratio?
Pearl Diver Credit Company Inc.'s current P/E ratio is -4.1x. The historical average is 24.1x.
What is Pearl Diver Credit Company Inc.'s ROE?
Pearl Diver Credit Company Inc.'s return on equity (ROE) is -14.5%. The historical average is 0.0%.
Is PDCC stock overvalued?
Based on historical data, Pearl Diver Credit Company Inc. is trading at a P/E of -4.1x. Compare with industry peers and growth rates for a complete picture.
What are Pearl Diver Credit Company Inc.'s profit margins?
Pearl Diver Credit Company Inc. has 78.9% gross margin and -71.8% operating margin.