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M&G Credit Income Investment Trust Plc (MGCI) AI Stock Analysis
M&G Credit Income Investment Trust Plc
(LSE:MGCI)
The score is primarily supported by strong profitability and a low-leverage balance sheet, plus a favorable valuation profile (moderate P/E and high dividend yield). These positives are meaningfully offset by negative operating/free cash flow in the last two periods and weaker technical momentum (negative MACD, sub-50 RSI, and price below key short-to-mid moving averages).
M&G Credit Income Investment Trust Plc (MGCI) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 183.02M
- Dividend Yield
- 7.98%
- Average Volume (3M)
- 423.53K
- Price to Earnings (P/E)
- 13.2
- Beta (1Y)
- 0.13
- Revenue Growth
- -9.41%
- EPS Growth
- -21.45%
- Country
- UK
- Employees
- 0
- Sector
- General
- Sector Strength
- 55
- Industry
- Asset Management
M&G Credit Income Investment Trust Plc Business Overview & Revenue Model
Company Description
M&G Credit Income Investment Trust Plc engages in investing in a diversified portfolio of public and private debt and debt-like instruments. Its objective is to generate a regular and attractive level of income with low asset value volatility. The co...
How the Company Makes Money
MGCI makes money by earning income and gains from the investment portfolio it holds on behalf of shareholders. Its core revenue stream is interest (coupon) income received from credit instruments (e.g., bonds and other debt investments) held in the p...
M&G Credit Income Investment Trust Plc Financial Statement Overview
Summary
Strong profitability and a conservatively positioned balance sheet with minimal leverage support resilience, but earnings quality is constrained by weak cash generation: operating cash flow and free cash flow turned sharply negative in 2025 and remained negative in TTM 2026 despite high reported earnings.
Income Statement
78PositiveBalance Sheet
86Very PositiveCash Flow
42Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.71M | 9.71M | 10.71M | 15.36M | -803.00K | 7.86M |
| Gross Profit | 12.07M | 8.44M | 12.48M | 15.36M | -803.00K | 7.86M |
| EBITDA | 5.98M | 10.37M | 10.82M | 13.64M | 0 | 6.34M |
| Net Income | 13.20M | 10.37M | 10.62M | 13.31M | -2.57M | 6.03M |
Balance Sheet | ||||||
| Total Assets | 191.36M | 188.27M | 140.87M | 139.04M | 144.83M | 144.85M |
| Cash, Cash Equivalents and Short-Term Investments | 2.31M | 6.45M | 3.45M | 2.84M | 3.44M | 3.13M |
| Total Debt | 0 | 0 | 0 | 0 | 7.00M | 0 |
| Total Liabilities | 3.35M | 2.50M | 878.00K | 3.76M | 9.72M | 1.09M |
| Stockholders Equity | 188.01M | 185.77M | 140.00M | 135.28M | 135.11M | 143.76M |
Cash Flow | ||||||
| Free Cash Flow | -2.30M | -32.27M | 6.72M | 19.63M | -519.00K | 5.21M |
| Operating Cash Flow | -2.30M | -32.27M | 6.72M | 19.63M | -519.00K | 5.21M |
| Investing Cash Flow | -16.73M | 0 | 0 | 0 | -87.00K | 1.12M |
| Financing Cash Flow | 14.67M | 35.27M | -6.02M | -20.29M | 718.00K | -9.02M |
M&G Credit Income Investment Trust Plc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MGCI, the sentiment is Neutral. The current price of 89.00 is above the 20-day moving average (MA) of 88.92, below the 50-day MA of 89.08, and above the 200-day MA of 88.09, indicating a neutral trend. The MACD of 0.21 indicates Negative momentum. The RSI at 48.91 is Neutral, neither overbought nor oversold. The STOCH value of 8.74 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:MGCI.
M&G Credit Income Investment Trust Plc Peers Comparison
Overall Rating
GB:ICG79Outperform
GB:ASHM76Outperform
GB:JUP74.4Outperform
GB:MGCI66Neutral
GB:BUR60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| 79Outperform | GBP 5.31B | 11.11 | 18.00% | 4.69% | 6.46% | 6.47% | |
| 76Outperform | GBP 1.48B | 13.84 | 13.19% | 7.53% | 2.50% | 27.89% | |
| 74Outperform | GBP 860.81M | 8.35 | 11.59% | 6.72% | 37.81% | 83.65% | |
| 66Neutral | GBP 183.02M | 13.17 | 7.06% | 7.98% | -9.41% | -21.45% | |
| 60Neutral | GBP 557.31M | -42.50 | -99.46% | 3.63% | -328.60% | -777.95% | |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:MGCI | M&G Credit Income Investment Trust Plc | 89.00 | 1.28 | 1.46% | |
| GB:ASHM | Ashmore Group Plc | 224.40 | 50.81 | 29.27% | |
| GB:ICG | ICG plc | 1855.00 | 5.80 | 0.31% | |
| GB:JUP | Jupiter Fund Management | 174.00 | 32.04 | 22.57% | |
| GB:BUR | Burford Capital | 260.00 | -474.99 | -64.63% |
M&G Credit Income Investment Trust Plc Corporate Events
New Kepler Research Flags Rate-Sensitive Yield at M&G Credit Income Trust
PositiveM&G Credit Income Investment Trust has been profiled in a new in-depth research note produced by Kepler Trust Intelligence’s investment companies team, aimed at serving as a detailed reference for long-term UK investors. The report highligh...
M&G Credit Income Trust grows private credit exposure amid strong investor demand
PositiveM&G Credit Income Investment Trust reported a 2.36% NAV total return for the first half of 2026, trailing its SONIA +4% benchmark but outperforming key investment grade and high-yield indices. The trust maintained a trailing 12‑month divide...
M&G Credit Income Investment Trust Launches WRAP Retail Offer to Support Fundraising
PositiveM&G Credit Income Investment Trust plc has launched a WRAP Retail Offer of new ordinary shares via the Winterflood Retail Access Platform, running alongside an institutional placing as part of a wider fundraising. Shares will be issued at a 1.5%...
M&G Credit Income Investment Trust Confirms Total Voting Rights
NeutralM&G Credit Income Investment Trust Plc reported that as of 31 August 2026 its issued share capital comprised 209,718,740 ordinary shares of 1 pence each, with each share carrying one voting right. This establishes the total number of voting right...
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 175,000 new ordinary shares at 91.70 pence each under its block listing to satisfy ongoing investor demand for its stock. The newly issued shares are fully paid, rank pari passu with existing ordi...
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 250,000 new ordinary shares at 91.70 pence each under its existing block listing to satisfy ongoing investor demand for its stock. The new shares are fully paid and rank equally with existing ordi...
M&G Credit Income Investment Trust Publishes July 2026 Performance Factsheet
NeutralM&G Credit Income Investment Trust plc has released its monthly performance factsheet for the period ended 31 July 2026. The document, now available on the company’s website, provides updated performance metrics and portfolio information fo...
M&G Credit Income Investment Trust Enters Closed Period Ahead of Half-Year Results
NeutralM&G Credit Income Investment Trust plc has entered a closed period under Market Abuse Regulation ahead of releasing its half-year results for the six months to 30 June 2026. This step reflects standard regulatory practice for listed investment tr...
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 300,000 new ordinary shares at 91.65 pence per share under its block listing, responding to continuing investor demand for its existing stock. The newly issued shares are fully paid and rank pari...
M&G Credit Income Investment Trust boosts share capital to meet investor demand
PositiveM&G Credit Income Investment Trust plc has issued 100,000 new ordinary shares at 91.65 pence each under its existing block listing to satisfy sustained investor demand for its stock. The new shares are fully paid, rank pari passu with existing sh...
M&G Credit Income Investment Trust Expands Share Capital to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 400,000 new ordinary shares at 91.65 pence each under its block listing to satisfy continuing investor demand for its existing shares. The new shares are fully paid and rank pari passu with the ex...
M&G Credit Income Trust Issues New Shares to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 200,000 new ordinary shares at 91.60 pence each under its block listing, responding to continuing investor demand for its stock. The new shares are fully paid and rank pari passu with existing sha...
M&G Credit Income Investment Trust Expands Share Capital to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 500,000 new ordinary shares at 91.60 pence each under its block listing to satisfy ongoing investor demand for its existing shares. The new shares are fully paid, rank pari passu with existing sto...
M&G Credit Income Investment Trust Seeks Block Listing to Meet Share Demand
PositiveM&G Credit Income Investment Trust plc has applied for a block listing of 21,500,000 new ordinary shares on the Main Market of the London Stock Exchange. The shares will be issued from time to time at no less than the prevailing net asset value t...
M&G Credit Income Investment Trust Posts Q2 Outperformance and Leans Into Private Credit
PositiveM&G Credit Income Investment Trust reported a 1.95% NAV total return for the second quarter of 2026, marginally outperforming its benchmark amid volatile fixed income markets and resilient credit conditions. The manager maintained a disciplined s...
M&G Credit Income Investment Trust Expands Share Capital to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 750,000 new ordinary shares at 91.55 pence each under its block listing programme to satisfy continued investor demand for its existing shares. The newly issued shares are fully paid and rank equa...
M&G Credit Income Investment Trust Raises Equity to Meet Share Demand
PositiveM&G Credit Income Investment Trust plc has issued 200,000 new ordinary shares at 91.55 pence each under its block listing program to satisfy ongoing investor demand for its existing shares. The new shares are fully paid and rank pari passu with t...
M&G Credit Income Investment Trust Expands Share Capital to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 600,000 new ordinary shares at 93.30 pence per share under its block listing to satisfy continued investor demand for its existing stock. The newly issued shares are fully paid and rank pari passu...
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has expanded its share capital with the issue of 250,000 new ordinary shares at 93.30 pence each. The shares were placed under its existing block listing to satisfy ongoing market demand and will rank pari p...
M&G Credit Income Investment Trust Expands Equity Base to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has sold its remaining 50,000 ordinary shares held in treasury and issued a further 100,000 new ordinary shares under its block listing, both at 93.20 pence per share and at a premium to the prevailing net a...
M&G Credit Income Investment Trust Announces Second Interim Dividend for 2026
PositiveM&G Credit Income Investment Trust plc has declared a second interim quarterly dividend of 1.75 pence per ordinary share for the financial year ending 31 December 2026. The board has applied the UK tax streaming regime to this payment, splitting...
M&G Credit Income Investment Trust Expands Share Capital to Meet Investor Demand
PositiveM&G Credit Income Investment Trust plc has issued 100,000 new ordinary shares at 93.20 pence each under its block listing programme to satisfy ongoing investor demand, with the new shares ranking equally with existing stock. Following this issuan...
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.
Date of analysis: Oct 02, 2026