Pearl Diver Credit Company Inc.(PDPA)Earnings, Financials & Key Ratios
PDPA•NYSE•Banking & Credit
$25.24
$202M mkt cap·29.7× P/E·Price updated May 6, 2026
AboutPearl Diver Credit Company Inc. operates as an investment company with a primary objective to maximize total return and a secondary objective to generate high current income through investments in CLOs.Show more
- Net Interest Income$2M
- Total Revenue$17M+679.8%
- Net Income$15M+80.8%
- Return on Equity13.08%+50.5%
- Net Interest Margin1.35%
- Efficiency Ratio12.95%
- ROA11%+26.6%
- Equity / Assets75.51%-24.5%
- Book Value per Share16.91+34.4%
- Tangible BV/Share16.91+34.4%
- Debt/Equity0.05
PDPA Key Insights
Pearl Diver Credit Company Inc. (PDPA) fundamental analysis — strengths, weaknesses & financial health based on 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 near 52-week high
- ✓Trading at only 1.5x book value
✗Weaknesses
- ✗Weak NIM of 1.3%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PDPA Price & Volume
Pearl Diver Credit Company Inc. (PDPA) stock price & volume — 10-year historical chart
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PDPA Growth Metrics
Pearl Diver Credit Company Inc. (PDPA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
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Profit CAGR
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EPS CAGR
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Return on Capital
10 Years11.52%
5 Years11.52%
3 Years11.52%
Last Year11.52%
PDPA Peer Comparison
Pearl Diver Credit Company Inc. (PDPA) 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 | 976.92M | 10.06 | 94.11 | -65.74% | 50.6% | 10.15% | 0.25 | |
 ECC | 553.42M | 4.23 | 4.92 | -14.94% | 69.26% | 3.08% | 18.71% | 0.29 |
 OCCI | 93.61M | 3.34 | -8.56 | 116.98% | -24.45% | -6.12% | 36.89% | 0.74 |
 EIC | 244.03M | 10.40 | 3.70 | 70.74% | 90.98% | 8% | 0.01 | |
 ARCC | 13.89B | 19.35 | 10.40 | 32.87% | 41.3% | 8.11% | 8.22% | 1.12 |
 GBDC | 3.53B | 13.40 | 9.44 | 42.5% | 43.19% | 6.42% | 1.23 | |
 PSEC | 1.31B | 2.75 | -2.04 | -159.23% | 169.75% | -5.11% | 13.66% | 0.70 |
 SLRC | 871.24M | 15.97 | 9.39 | 24.76% | 42.04% | 7.31% | 1.15 |
Compare PDPA vs Peers
Pearl Diver Credit Company Inc. (PDPA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PDPA Income Statement
Pearl Diver Credit Company Inc. (PDPA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Net Interest Income | 0 | 2.41M | - |
| NII Growth % | - | - | - |
| Net Interest Margin % | 0% | 1.35% | - |
| Interest Income | 0 | 2.48M | - |
| Interest Expense | 0 | 70.69K | - |
| Loan Loss Provision | 0 | 0 | - |
| Non-Interest Income | 2.24M | 15.01M | - |
| Non-Interest Income % | 100% | 85.81% | - |
| Total Revenue | 2.24M▲ 0% | 17.49M▲ 679.8% | -▲ 0% |
| Revenue Growth % | - | 679.77% | - |
| Non-Interest Expense | 0 | 2.26M | - |
| Efficiency Ratio | 0% | 12.95% | - |
| Operating Income | 8.4M▲ 0% | 15.15M▲ 80.4% | -▲ 0% |
| Operating Margin % | 374.53% | 86.65% | - |
| Operating Income Growth % | - | 80.4% | - |
| Pretax Income | 8.38M▲ 0% | 15.15M▲ 80.8% | -▲ 0% |
| Pretax Margin % | 373.79% | 86.65% | - |
| Income Tax | 0 | 0 | - |
| Effective Tax Rate % | 0% | 0% | - |
| Net Income | 8.38M▲ 0% | 15.15M▲ 80.8% | -▲ 0% |
| Net Margin % | 373.79% | 86.65% | - |
| Net Income Growth % | - | 80.76% | - |
| Net Income (Continuing) | 8.38M | 15.15M | - |
| EPS (Diluted) | 1.09▲ 0% | 0.85▼ 22.0% | -▲ 0% |
| EPS Growth % | - | -22.02% | - |
| EPS (Basic) | 1.09 | 0.85 | - |
| Diluted Shares Outstanding | 7.67M | 8M | 8M |
PDPA Balance Sheet
Pearl Diver Credit Company Inc. (PDPA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Cash & Short Term Investments | 19.49M | 188.06K | - |
| Cash & Due from Banks | 19.49M | 188.06K | - |
| Short Term Investments | 0 | 0 | - |
| Total Investments | 0 | 0 | - |
| Investments Growth % | - | - | - |
| Long-Term Investments | 0 | 0 | - |
| Accounts Receivables | 0 | 42.05K | - |
| Goodwill & Intangibles | 0 | 0 | 0 |
| Goodwill | 0 | 0 | - |
| Intangible Assets | 0 | 0 | - |
| PP&E (Net) | 0 | 0 | - |
| Other Assets | 76.98M | 178.84M | - |
| Total Current Assets | 19.49M | 230.1K | - |
| Total Non-Current Assets | 76.98M | 178.84M | - |
| Total Assets | 96.46M▲ 0% | 179.07M▲ 85.6% | 179.07M▲ 0% |
| Asset Growth % | - | 85.64% | - |
| Return on Assets (ROA) | 8.69% | 11% | - |
| Accounts Payable | 0 | 6.26M | - |
| Total Debt | 0 | 6.64M | 6.64M |
| Net Debt | -19.49M | 6.45M | 6.45M |
| Long-Term Debt | 0 | 6.64M | - |
| Short-Term Debt | 0 | 6.64M | - |
| Other Liabilities | 18.76K | 30.96M | - |
| Total Current Liabilities | 0 | 6.26M | - |
| Total Non-Current Liabilities | 18.76K | 37.6M | - |
| Total Liabilities | 18.76K | 43.86M | - |
| Total Equity | 96.44M▲ 0% | 135.22M▲ 40.2% | 135.22M▲ 0% |
| Equity Growth % | - | 40.2% | - |
| Equity / Assets (Capital Ratio) | 99.98% | 75.51% | 75.51% |
| Return on Equity (ROE) | 8.69% | 13.08% | - |
| Book Value per Share | 12.58 | 16.91 | 16.91 |
| Tangible BV per Share | 12.58 | 16.91 | 16.91 |
| Common Stock | 0 | 6.8K | - |
| Additional Paid-in Capital | 0 | 133.7M | - |
| Retained Earnings | 0 | 1.51M | - |
| Accumulated OCI | 0 | 0 | - |
| Treasury Stock | 0 | 0 | - |
| Preferred Stock | 0 | 0 | - |
PDPA Cash Flow Statement
Pearl Diver Credit Company Inc. (PDPA) cash flow — operating, investing & free cash flow history
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Cash from Operations | 2.17M | -168.35M | -168.35M |
| Operating CF Growth % | - | -7847.93% | - |
| Net Income | 8.38M | 10.67M | - |
| Depreciation & Amortization | 0 | 0 | - |
| Deferred Taxes | 0 | 0 | - |
| Other Non-Cash Items | -6.23M | -188.92M | - |
| Working Capital Changes | 18.76K | 9.89M | - |
| Cash from Investing | -70.75M | -152.72M | - |
| Purchase of Investments | -70.75M | -173.99M | - |
| Sale/Maturity of Investments | 0 | 1000K | - |
| Net Investment Activity | -70.75M | -172.99M | 0 |
| Acquisitions | 0 | 0 | - |
| Other Investing | 0 | 0 | - |
| Cash from Financing | 88.06M | 149.1M | - |
| Dividends Paid | -2.16M | 0 | - |
| Share Repurchases | 0 | 0 | - |
| Stock Issued | 0 | 164.96M | - |
| Net Stock Activity | 0 | 164.96M | 0 |
| Debt Issuance (Net) | 0 | 1000K | - |
| Other Financing | 90.22M | 20.06M | - |
| Net Change in Cash | 19.49M▲ 0% | -19.25M▼ 198.8% | -▲ 0% |
| Exchange Rate Effect | 0 | 0 | - |
| Cash at Beginning | 0 | 19.49M | - |
| Cash at End | 19.49M | 233.98K | - |
| Interest Paid | 0 | 0 | - |
| Income Taxes Paid | 0 | 0 | - |
| Free Cash Flow | 2.17M▲ 0% | -168.35M▼ 7847.9% | -▲ 0% |
| FCF Growth % | - | -7847.92% | - |
PDPA Banking Ratios
Pearl Diver Credit Company Inc. (PDPA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2024 | TTM |
|---|---|---|
| Return on Equity (ROE) | 13.08% | - |
| Return on Assets (ROA) | 11% | - |
| Net Interest Margin | 1.35% | - |
| Efficiency Ratio | 12.95% | - |
| Equity / Assets | 75.51% | 75.51% |
| Book Value / Share | 16.91 | 16.91 |
PDPA Frequently Asked Questions
Pearl Diver Credit Company Inc. (PDPA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Pearl Diver Credit Company Inc. (PDPA) grew revenue by 679.8% over the past year. This is strong growth.
Yes, Pearl Diver Credit Company Inc. (PDPA) is profitable, generating $15.2M in net income for fiscal year 2024 (86.6% net margin).
Dividend & Returns
Pearl Diver Credit Company Inc. (PDPA) has a return on equity (ROE) of 13.1%. This is reasonable for most industries.
Industry Metrics
Pearl Diver Credit Company Inc. (PDPA) has a net interest margin (NIM) of 1.3%. NIM has been under pressure due to interest rate environment.
Pearl Diver Credit Company Inc. (PDPA) has an efficiency ratio of 12.9%. This is excellent, indicating strong cost control.
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Pearl Diver Credit Company Inc. (PDPA) financial analysis — history, returns, DCA and operating performance tools
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