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OFS Credit Company
(NASDAQ:OCCI)
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Rating:48Neutral
Price Target:
$1.50
â–¼(-42.97% Downside)
Action:Reiterated
Date:10/21/26
The score is weighed down primarily by weak financial performance (declining revenue, negative profitability and margins) and bearish technicals (price below all key moving averages with negative MACD and very low RSI). The extremely high dividend yield provides some support on valuation, but the negative P/E and loss-making profile limit its positive impact.
Positive Factors
Credit Investment Model
OCCI’s focus on corporate debt provides a defined investment model centered on recurring interest income and potential capital appreciation. A managed credit portfolio can support repeatable shareholder distributions when underwriting and portfolio performance remain sound, giving the company a durable earnings framework.
Negative Factors
Revenue Contraction
A 54.6% revenue decline signals a substantial contraction in the income base supporting OCCI’s investment-company operations. If sustained, weaker revenue can reduce distributable earnings, limit reinvestment capacity, and make future results more dependent on portfolio recoveries or investment revaluations.
Read all positive and negative factors
Positive Factors
Negative Factors
Credit Investment Model
OCCI’s focus on corporate debt provides a defined investment model centered on recurring interest income and potential capital appreciation. A managed credit portfolio can support repeatable shareholder distributions when underwriting and portfolio performance remain sound, giving the company a durable earnings framework.
Read all positive factors
OFS Credit Company (OCCI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$43.35M
Dividend Yield58.5%
Average Volume (3M)226.33K
Price to Earnings (P/E)―
Beta (1Y)0.87
Revenue Growth-11.85%
EPS Growth-800.20%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)-0.37
Shares Outstanding29,492,216
10 Day Avg. Volume344,283
30 Day Avg. Volume226,332
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)0.80
Price to Sales (P/S)3.04
P/FCF Ratio-2.45
Enterprise Value/Market Cap5.46
Enterprise Value/Revenue5.46
Enterprise Value/Gross Profit8.24
Enterprise Value/Ebitda15.77
Forecast
1Y Price Target
$3.00Price Target Upside14.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.98
Revenue Forecast (FY)$39.40M
OFS Credit Company Business Overview & Revenue Model
Company Description
OFS Credit Company, Inc. functions as an investment fund, with its activities administered by OFS Advisor....
How the Company Makes Money
OCCI makes money primarily from investment income generated by its credit portfolio. The core revenue stream is interest income earned on debt investments (e.g., loans and other interest-bearing credit instruments) held in the portfolio; this incl...
OFS Credit Company Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
60
Neutral
Cash Flow
50
Neutral
| Breakdown | Oct 2025 | Oct 2024 | Oct 2023 | Oct 2022 | Oct 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 40.54M | 18.69M | 30.70M | 26.22M | 22.97M |
| Gross Profit | 28.70M | 18.69M | 30.70M | 18.88M | 18.10M |
| EBITDA | -2.22M | 33.67M | -6.61M | -9.15M | 23.03M |
| Net Income | -9.91M | 15.02M | -1.89M | -13.59M | 20.31M |
Balance Sheet | |||||
| Total Assets | 270.82M | 240.77M | 185.93M | 159.03M | 165.21M |
| Cash, Cash Equivalents and Short-Term Investments | 13.51M | 24.70M | 16.78M | 12.54M | 15.00M |
| Total Debt | 0.00 | 0.00 | 62.77M | 0.00 | 49.03M |
| Total Liabilities | 117.80M | 92.17M | 65.74M | 64.82M | 57.11M |
| Stockholders Equity | 153.02M | 148.61M | 120.19M | 94.21M | 108.10M |
Cash Flow | |||||
| Free Cash Flow | -50.32M | -30.55M | -23.68M | -14.60M | -65.72M |
| Operating Cash Flow | -50.32M | -30.55M | -23.68M | -14.60M | -65.72M |
| Investing Cash Flow | 0.00 | 0.00 | -49.78M | -31.47M | -86.58M |
| Financing Cash Flow | 39.13M | 38.47M | 27.92M | 12.14M | 74.27M |
OFS Credit Company Technical Analysis
Negative
2.63
Price Trends
2.22
Negative
2.32
Negative
2.68
Negative
Market Momentum
-0.20
Positive
13.94
Positive
4.26
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OCCI, the sentiment is Negative. The current price of 2.63 is above the 20-day moving average (MA) of 1.94, above the 50-day MA of 2.22, and below the 200-day MA of 2.68, indicating a bearish trend. The MACD of -0.20 indicates Positive momentum. The RSI at 13.94 is Positive, neither overbought nor oversold. The STOCH value of 4.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OCCI.
OFS Credit Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $414.81M | 8.58 | 10.19% | 10.78% | -38.83% | -36.61% | |
60 Neutral | $187.40M | 18.18 | <0.01% | 33.45% | 138.32% | -27.91% | |
60 Neutral | $337.29M | -3.17 | -17.68% | 18.91% | -141.00% | -809.18% | |
59 Neutral | $52.65M | -2.38 | -18.44% | 17.30% | -43.53% | -316.63% | |
48 Neutral | $43.35M | -0.84 | -41.00% | 53.23% | -11.85% | -800.20% |
* Financial Sector Average
OCCI
OFS Credit Company
1.47
-2.36
-61.57%
GLAD
Gladstone Capital
18.36
0.70
3.95%
PNNT
Pennantpark Investment
2.87
-2.39
-45.39%
OFS
OFS Capital
3.93
-2.03
-34.08%
TCPC
BlackRock TCP Capital
4.02
-0.85
-17.47%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.