OFS Credit Company, Inc. (OCCI)
Valuation Overview•Is OFS Credit Company, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 54/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong dividend yield, though free cash flow coverage appears tight.
OCCI demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 35.1% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $11.1M | +117.0% | — | — | — | |
| EBITDA | -$6.9M | — | +37.6% | — | — | |
| Net Income | -$9.1M | -166.0% | +10.0% | — | — | |
| EPS (Diluted) | $-0.33 | -143.3% | — | — | — | |
| Free Cash Flow | $34.5M | +213.0% | — | +58.4% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 66.2% | 90.3% | 84.3% | 119.2% |
| Operating Margin | 35.1% | 15.4% | 22.3% | 137.5% |
| Net Margin | -22.9% | 16.6% | 17.3% | 64.3% |
| FCF Margin | 79.7% | -51.8% | -99.4% | 58.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q4'25Latest | $0.36 | $0.32 | -11.1% | ||
| Q3'25 | $0.38 | $0.31 | -18.4% | ||
| Q2'25 | $0.24 | $0.37 | +54.2% | ||
| Q1'25 | $0.23 | $0.34 | +47.8% | ||
| Q4'24 | $0.25 | $0.57 | +128.0% | ||
| Q3'24 | $0.29 | $0.22 | -24.1% | ||
| Q2'24 | $0.30 | $0.53 | +76.7% | ||
| Q1'24 | $0.26 | $0.44 | +69.2% |
Total return is -40.5% (1Y), lagging the benchmark by -65.5%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -39.7% | -49.0% | — |
| 1Y | -40.5% | -65.5% | +19.7% |
| 3YCAGR | -9.4% | -28.5% | +45.1% |
| 5YCAGR | -5.6% | -18.1% | +57.5% |
| 10YCAGR | -1.3% | -14.8% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about OCCI (OCCI) valuation, health, and returns.
OCCI valuation is being assessed using available models.
Valuation anchors are currently not available.
OCCI displays fair financial health with a composite quality score of 54/100, supported by a Piotroski F-Score of 4/9, Return on Invested Capital (ROIC) of -0.8%.
OCCI pays a 48.9% dividend yield, covered by a 0% payout ratio with 1 years of growth, supplemented by a 0.0% buyback yield.
OCCI's current growth trajectory is Stable. The company achieved +117.0% 1Y revenue growth and -143.3% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 1 analysts, beating EPS expectations in 67% of recent quarters with a -2-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for OCCI include: -60.3% 1-year max drawdown. Volatility risk is characterized by a beta of 0.59x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.