Pearl Diver Credit Company Inc. (PDPA) Financial Ratios
2 years of historical data (2023–2024) · Financial Services · Asset Management
EV/EBITDA
13.75
+1% vs avg
5yr avg: 13.56
30Y Low13.6·High13.6
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
1.49
+1% vs avg
5yr avg: 1.47
30Y Low1.5·High1.5
ROE
↑
13.1%
↓+20% vs avg
5yr avg: 10.9%
30Y Low9%·High13%
Debt/EBITDA
0.44
+0% vs avg
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.
PDPA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Pearl Diver Credit Company Inc. trades at 29.7x earnings, roughly in line with its 5-year average of 29.3x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 122%.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Market Cap | $202M | $199M | — |
| Enterprise Value | $208M | $205M | — |
| P/E Ratio → | 29.69 | 29.27 | — |
| P/S Ratio | 11.54 | 11.38 | — |
| P/B Ratio | 1.49 | 1.47 | — |
| P/FCF | — | — | — |
| P/OCF | — | — | — |
P/E links to full P/E history page with 30-year chart
PDPA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Pearl Diver Credit Company Inc.'s enterprise value stands at 13.7x EBITDA, roughly in line with its 5-year average of 13.6x. The Financial Services sector median is 11.4x, placing the stock at a 20% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| EV / Revenue | — | 11.75 | — |
| EV / EBITDA | 13.75 | 13.56 | — |
| EV / EBIT | 13.75 | 13.56 | — |
| EV / FCF | — | — | — |
PDPA Profitability
Margins and return-on-capital ratios measuring operating efficiency
Pearl Diver Credit Company Inc. earns an operating margin of 86.6%, significantly above the Financial Services sector average of 21.2%. Operating margins have compressed from 374.5% to 86.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 13.1% is modest. ROIC of 9.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Gross Margin | 99.6% | 99.6% | 100.0% |
| Operating Margin | 86.6% | 86.6% | 374.5% |
| Net Profit Margin | 86.6% | 86.6% | 373.8% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| ROE | 13.1% | 13.1% | 8.7% |
| ROA | 11.0% | 11.0% | 8.7% |
| ROIC | 9.5% | 9.5% | — |
| ROCE | 11.5% | 11.5% | — |
PDPA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Pearl Diver Credit Company Inc. carries a Debt/EBITDA ratio of 0.4x, which is very conservative (89% below the sector average of 4.1x). Net debt stands at $6M ($7M total debt minus $188056 cash). Interest coverage of 214.3x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Debt / Equity | 0.05 | 0.05 | — |
| Debt / EBITDA | 0.44 | 0.44 | — |
| Net Debt / Equity | — | 0.05 | -0.20 |
| Net Debt / EBITDA | 0.43 | 0.43 | -2.32 |
| Debt / FCF | — | — | -8.97 |
| Interest Coverage | 214.34 | 214.34 | — |
PDPA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.04x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Current Ratio | 0.04 | 0.04 | — |
| Quick Ratio | 0.04 | 0.04 | — |
| Cash Ratio | 0.03 | 0.03 | — |
| Asset Turnover | — | 0.10 | 0.02 |
| Inventory Turnover | — | — | — |
| Days Sales Outstanding | — | — | — |
PDPA 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. The earnings yield of 3.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Dividend Yield | — | — | — |
| Payout Ratio | — | — | 25.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Earnings Yield | 3.4% | 3.4% | — |
| FCF Yield | — | — | — |
| Buyback Yield | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.0% | 0.0% | — |
| Shares Outstanding | — | $8M | $8M |
Peer Comparison
Compare PDPA 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 |
|---|---|---|---|---|---|---|---|---|---|
 PDPAYou | $202M | 29.7 | 13.7 | — | 99.6% | 86.6% | 13.1% | 9.5% | 0.4 |
 OXLC | $974M | 93.8 | 24.1 | — | 59.8% | 50.6% | 3.1% | 1.9% | 10.0 |
 ECC | $552M | 4.9 | 9.1 | 5.3 | 84.2% | 73.7% | 9.6% | 6.1% | 3.2 |
 OCCI | $95M | -8.7 | — | 2.7 | 70.8% | -5.5% | -6.6% | -0.8% | — |
 EIC | $246M | 3.7 | 20.9 | — | 94.1% | 107.6% | 17.5% | 15.0% | 0.2 |
 ARCC | $14B | 10.3 | 13.2 | 12.0 | 75.7% | 69.7% | 9.4% | 5.7% | 7.3 |
 GBDC | $3B | 9.4 | 12.1 | — | 81.5% | 78.9% | 9.4% | 5.9% | 7.1 |
 PSEC | $1B | -2.1 | — | 7.4 | 147.0% | 169.8% | -14.0% | -6.3% | — |
 SLRC | $761M | 8.2 | 11.6 | — | 73.3% | 72.9% | 9.3% | 5.8% | 7.0 |
 CGBD | $866M | 7.5 | 19.7 | 8.3 | 59.2% | 54.7% | 9.8% | 3.7% | 10.6 |
 PFLT | $914M | 12.8 | 38.0 | 9.6 | 45.6% | 39.4% | 6.8% | 2.1% | 26.3 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonPDPA — Frequently Asked Questions
Quick answers to the most common questions about buying PDPA stock.
What is Pearl Diver Credit Company Inc.'s P/E ratio?
Pearl Diver Credit Company Inc.'s current P/E ratio is 29.7x. The historical average is 29.3x. This places it at the 100th percentile of its historical range.
What is Pearl Diver Credit Company Inc.'s EV/EBITDA?
Pearl Diver Credit Company Inc.'s current EV/EBITDA is 13.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.6x.
What is Pearl Diver Credit Company Inc.'s ROE?
Pearl Diver Credit Company Inc.'s return on equity (ROE) is 13.1%. The historical average is 10.9%.
Is PDPA stock overvalued?
Based on historical data, Pearl Diver Credit Company Inc. is trading at a P/E of 29.7x. This is at the 100th percentile of its historical P/E range. 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 99.6% gross margin and 86.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Pearl Diver Credit Company Inc. have?
Pearl Diver Credit Company Inc.'s Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.