Pearl Diver Credit Company Inc.(PDPA)Earnings, Financials & Key Ratios
PDPA•NYSE•Banking & Credit
31.7× P/E·Price updated Jun 19, 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$13M+435.0%
- Total Revenue$22M+27.4%
- Net Income-$19M-227.6%
- Return on Equity-14.46%-210.6%
- Net Interest Margin9.13%+577.8%
- Efficiency Ratio150.64%+1063.6%
- ROA-12.07%-209.7%
- Equity / Assets93.48%+23.8%
- Book Value per Share18.98+12.2%
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
- ✓Strong NIM of 9.1%
- ✓Well capitalized: 93.5% equity/assets
- ✓Share count reduced 12.9% through buybacks
- ✓Diversified revenue: 42.1% from non-interest income
- ✓Trading near 52-week high
✗Weaknesses
- ✗High cost structure: 150.6% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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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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Return on Capital
10 Years0.56%
5 Years0.56%
3 Years0.56%
Last Year-10.41%
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 | 812.03M | 8.32 | -1.39 | 309.08% | -65.48% | -33.24% | 0.75 | |
 ECC | 483.88M | 3.66 | -3.49 | 0.12% | -74.05% | -11.73% | 0.37 | |
 OCCI | 73.29M | 2.50 | -6.41 | 116.98% | -22.88% | -6.12% | 0.74 | |
 EIC | 236.68M | 10.10 | -204.45 | 10.65% | -2.15% | -0.33% | 0.46 | |
 ARCC | 12.95B | 18.03 | 9.69 | 32.87% | 43.69% | 8.11% | 1.12 | |
 GBDC | 3.22B | 12.35 | 8.70 | 42.5% | 26.91% | 5.24% | 1.23 | |
 PSEC | 1.11B | 2.21 | -1.64 | -159.23% | -38% | -1.12% | 0.70 | |
 SLRC | 677.57M | 12.42 | 7.31 | 24.76% | 39.78% | 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
| Metric | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|
Net Interest Income | 0 | 2.41M | 12.9M |
NII Growth % | - | - | 435% |
Net Interest Margin % | 0% | 1.35% | 9.13% |
Interest Income | 0 | 2.48M | 12.9M |
Interest Expense | 0 | 70.69K | 0 |
Loan Loss Provision | 0 | 0 | 4.71M |
Non-Interest Income | 2.24M | 15.01M | 9.37M |
Non-Interest Income % | 100% | 85.81% | 42.08% |
Total Revenue | 2.24M▲ 0% | 17.49M▲ 679.8% | 22.27M▲ 27.4% |
Revenue Growth % | - | 679.77% | 27.37% |
Non-Interest Expense | 0 | 2.26M | 33.55M |
Efficiency Ratio | 0% | 12.95% | 150.64% |
Operating Income | 8.4M▲ 0% | 15.15M▲ 80.4% | -15.99M▼ 205.5% |
Operating Margin % | 374.53% | 86.65% | -71.78% |
Operating Income Growth % | - | 80.4% | -205.52% |
Pretax Income | 8.38M▲ 0% | 15.15M▲ 80.8% | -19.33M▼ 227.6% |
Pretax Margin % | 373.79% | 86.65% | -86.79% |
Income Tax | 0 | 0 | 0 |
Effective Tax Rate % | 0% | 0% | 0% |
Net Income | 8.38M▲ 0% | 15.15M▲ 80.8% | -19.33M▼ 227.6% |
Net Margin % | 373.79% | 86.65% | -86.79% |
Net Income Growth % | - | 80.76% | -227.58% |
Net Income (Continuing) | 8.38M | 15.15M | -19.33M |
EPS (Diluted) | 1.09▲ 0% | 0.85▼ 22.0% | 0.79▼ 7.1% |
EPS Growth % | - | -22.02% | -7.06% |
EPS (Basic) | 1.09 | 0.85 | 0.79 |
Diluted Shares Outstanding | 7.67M | 8M | 6.96M |
PDPA Balance Sheet
Pearl Diver Credit Company Inc. (PDPA) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|
Cash & Short Term Investments | 19.49M | 188.06K | 1.03M |
Cash & Due from Banks | 19.49M | 188.06K | 99.69K |
Short Term Investments | 0 | 0 | 928.44K |
Total Investments | 0 | 0 | 140.87M |
Investments Growth % | - | - | - |
Long-Term Investments | 0 | 0 | 139.94M |
Accounts Receivables | 0 | 42.05K | 0 |
Goodwill & Intangibles | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 |
PP&E (Net) | 0 | 0 | 0 |
Other Assets | 76.98M | 178.84M | 361.35K |
Total Current Assets | 19.49M | 230.1K | 1.05M |
Total Non-Current Assets | 76.98M | 178.84M | 140.3M |
Total Assets | 96.46M▲ 0% | 179.07M▲ 85.6% | 141.35M▼ 21.1% |
Asset Growth % | - | 85.64% | -21.07% |
Return on Assets (ROA) | 8.69% | 11% | -12.07% |
Accounts Payable | 0 | 6.26M | 0 |
Total Debt | 0 | 6.64M | 6.93M |
Net Debt | -19.49M | 6.45M | 6.83M |
Long-Term Debt | 0 | 6.64M | 0 |
Short-Term Debt | 0 | 6.64M | 6.93M |
Other Liabilities | 18.76K | 30.96M | 2.29M |
Total Current Liabilities | 0 | 6.26M | 6.93M |
Total Non-Current Liabilities | 18.76K | 37.6M | 2.29M |
Total Liabilities | 18.76K | 43.86M | 9.21M |
Total Equity | 96.44M▲ 0% | 135.22M▲ 40.2% | 132.13M▼ 2.3% |
Equity Growth % | - | 40.2% | -2.28% |
Equity / Assets (Capital Ratio) | 99.98% | 75.51% | 93.48% |
Return on Equity (ROE) | 8.69% | 13.08% | -14.46% |
Book Value per Share | 12.58 | 16.91 | 18.98 |
Tangible BV per Share | 12.58 | 16.91 | 18.98 |
Common Stock | 0 | 6.8K | 6.83K |
Additional Paid-in Capital | 0 | 133.7M | 135.14M |
Retained Earnings | 0 | 1.51M | -36.59M |
Accumulated OCI | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 33.58M |
PDPA Cash Flow Statement
Pearl Diver Credit Company Inc. (PDPA) cash flow — operating, investing & free cash flow history
| Metric | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|
Cash from Operations | 2.17M | -168.35M | 27.81M |
Operating CF Growth % | - | -7847.93% | 116.52% |
Net Income | 8.38M | 10.67M | -19.33M |
Depreciation & Amortization | 0 | 0 | 0 |
Deferred Taxes | 0 | 0 | 0 |
Other Non-Cash Items | -6.23M | -188.92M | 47.09M |
Working Capital Changes | 18.76K | 9.89M | 46.81K |
Cash from Investing | -70.75M | -152.72M | -44.26M |
Purchase of Investments | -70.75M | -173.99M | -65.64M |
Sale/Maturity of Investments | 0 | 21.27M | 21.38M |
Net Investment Activity | -70.75M | -152.72M | -44.26M |
Acquisitions | 0 | 0 | 0 |
Other Investing | 0 | 0 | 0 |
Cash from Financing | 88.06M | 149.1M | -12.45M |
Dividends Paid | -2.16M | 0 | -17.96M |
Share Repurchases | 0 | 0 | 0 |
Stock Issued | 0 | 164.96M | 4.99M |
Net Stock Activity | 0 | 164.96M | 4.99M |
Debt Issuance (Net) | 0 | 1000K | 290.31K |
Other Financing | 90.22M | 20.06M | 230.39K |
Net Change in Cash | 19.49M▲ 0% | -19.25M▼ 198.8% | -88.37K▲ 99.5% |
Exchange Rate Effect | 0 | 0 | 28.82M |
Cash at Beginning | 0 | 19.49M | 188.06K |
Cash at End | 19.49M | 233.98K | 99.69K |
Interest Paid | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 |
Free Cash Flow | 2.17M▲ 0% | -168.35M▼ 7847.9% | 27.81M▲ 116.5% |
FCF Growth % | - | -7847.92% | 116.52% |
PDPA Banking Ratios
Pearl Diver Credit Company Inc. (PDPA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
Return on Equity (ROE) | 8.69% | 13.08% | -14.46% |
Return on Assets (ROA) | 8.69% | 11% | -12.07% |
Net Interest Margin | 0% | 1.35% | 9.13% |
Efficiency Ratio | 0% | 12.95% | 150.64% |
Equity / Assets | 99.98% | 75.51% | 93.48% |
Book Value / Share | 12.58 | 16.91 | 18.98 |
NII Growth | - | - | 435% |
Dividend Payout | 25.8% | - | - |
Related:PDPA Dividend History·PDPA Revenue History·PDPA Price History·PDPA P/E History·PDPA Financial Ratios·PDPA Institutional Holders
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 27.4% over the past year. This is strong growth.
Pearl Diver Credit Company Inc. (PDPA) reported a net loss of $19.3M for fiscal year 2025.
Dividend & Returns
Yes, Pearl Diver Credit Company Inc. (PDPA) pays a dividend with a yield of 10.31%. This makes it attractive for income-focused investors.
Pearl Diver Credit Company Inc. (PDPA) has a return on equity (ROE) of -14.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Pearl Diver Credit Company Inc. (PDPA) has a net interest margin (NIM) of 9.1%. This indicates healthy earnings from lending activities.
Pearl Diver Credit Company Inc. (PDPA) has an efficiency ratio of 150.6%. This is higher than peers, suggesting room for cost optimization.