Pearl Diver Credit Company Inc. (PDPA) Financial Ratios
3 years of historical data (2023–2025) · Financial Services · Asset Management
EV/EBITDA
N/A
—
5yr avg: 13.56
30Y Low13.6·High13.6
P/FCF
6.26
-1% vs avg
5yr avg: 6.32
30Y Low6.3·High6.3
P/B Ratio
↓
1.32
-6% vs avg
5yr avg: 1.40
30Y Low1.3·High1.5
ROE
↓
-14.5%
↑-693% vs avg
5yr avg: 2.4%
30Y Low-14%·High13%
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.
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 31.7x earnings, roughly in line with its 5-year average of 30.6x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 133%. On a free-cash-flow basis, the stock trades at 6.3x P/FCF, roughly in line with the 5-year average of 6.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $174M | $176M | $199M | — |
| Enterprise Value | $181M | $183M | $205M | — |
| P/E Ratio → | 31.66 | 31.95 | 29.27 | — |
| P/S Ratio | 7.82 | 7.89 | 11.38 | — |
| P/B Ratio | 1.32 | 1.33 | 1.47 | — |
| P/FCF | 6.26 | 6.32 | — | — |
| P/OCF | 6.26 | 6.32 | — | — |
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
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | 8.20 | 11.75 | — |
| EV / EBITDA | — | — | 13.56 | — |
| EV / EBIT | — | — | 13.56 | — |
| EV / FCF | — | 6.57 | — | — |
PDPA 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 20.3%. 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% | 86.6% | 373.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | -14.5% | -14.5% | 13.1% | 8.7% |
| ROA | -12.1% | -12.1% | 11.0% | 8.7% |
| ROIC | -8.5% | -8.5% | 9.5% | — |
| ROCE | -10.4% | -10.4% | 11.5% | — |
PDPA 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 | — | — | 214.34 | — |
PDPA 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 | — | — | — | — |
PDPA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Pearl Diver Credit Company Inc. returns 10.3% to shareholders annually primarily through dividends. The earnings yield of 3.2% (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 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | 10.3% | — | — | — |
| Payout Ratio | — | — | — | 25.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | 3.2% | 3.1% | 3.4% | — |
| FCF Yield | 16.0% | 15.8% | — | — |
| Buyback Yield | 0.0% | — | — | — |
| Total Shareholder Yield | 10.3% | — | — | — |
| Shares Outstanding | — | $7M | $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 | $174M | 31.7 | — | 6.3 | 78.9% | -71.8% | -14.5% | -8.5% | — |
 OXLC | $812M | -1.4 | — | 1.2 | 68.2% | -135.4% | -39.2% | -18.7% | — |
 ECC | $484M | -3.5 | — | — | 59.1% | -75.3% | -15.9% | -5.9% | — |
 OCCI | $73M | -6.4 | — | 2.1 | 70.8% | -5.5% | -6.6% | -0.8% | — |
 EIC | $237M | -204.5 | 34.6 | — | 83.4% | 21.5% | -0.4% | 2.1% | 13.3 |
 ARCC | $13B | 9.7 | 12.8 | 11.3 | 75.7% | 69.7% | 9.4% | 5.7% | 7.3 |
 GBDC | $3B | 8.7 | 11.8 | — | 81.5% | 78.9% | 9.4% | 5.9% | 7.1 |
 PSEC | $1B | -1.6 | — | 2.1 | 147.0% | 169.8% | -14.0% | -6.3% | — |
 SLRC | $678M | 7.3 | 11.1 | — | 73.3% | 72.9% | 9.3% | 5.8% | 7.0 |
 CGBD | $761M | 10.8 | 12.8 | — | 70.9% | 86.2% | 6.8% | 5.6% | 8.7 |
 PFLT | $742M | 10.4 | 35.5 | 7.8 | 45.6% | 39.4% | 6.8% | 2.1% | 26.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 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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PDPA — 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 31.7x. The historical average is 30.6x. This places it at the 50th percentile of its historical range.
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 2.4%.
Is PDPA stock overvalued?
Based on historical data, Pearl Diver Credit Company Inc. is trading at a P/E of 31.7x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Pearl Diver Credit Company Inc.'s dividend yield?
Pearl Diver Credit Company Inc.'s current dividend yield is 10.31%.
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.