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OFS Credit Company
(NASDAQ:OCCI)
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Rating:50Neutral
Price Target:
$2.50
â–¼(-48.35% Downside)
Action:Reiterated
Date:07/17/26
The score is held back primarily by weak financial performance (sharp revenue drop, negative earnings, and deteriorating margins) and bearish technicals (price below key moving averages with negative MACD and very weak RSI). Valuation is mixed: an extremely high dividend yield provides support, but the negative P/E reflects ongoing losses and heightens dividend sustainability concerns.
Positive Factors
BDC lending model to U.S. middle-market
OCCI’s core business is a BDC-style credit allocator to middle-market companies via senior secured loans. That durable model generates recurring interest income, aligns risk with secured instruments, and provides diversified exposure across private/illiquid credits over time.
Negative Factors
Sharp revenue decline and negative net income
A >50% revenue contraction and negative net income signal material stress in core earning power. Persisting top-line weakness reduces the pool of distributable income, limits reinvestment capacity, and makes sustaining payouts or rebuilding capital cushions more difficult over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
BDC lending model to U.S. middle-market
OCCI’s core business is a BDC-style credit allocator to middle-market companies via senior secured loans. That durable model generates recurring interest income, aligns risk with secured instruments, and provides diversified exposure across private/illiquid credits over time.
Read all positive factors
OFS Credit Company (OCCI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$66.68M
Dividend Yield28.99%
Average Volume (3M)247.91K
Price to Earnings (P/E)―
Beta (1Y)0.75
Revenue Growth32.52%
EPS Growth-816.39%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)-0.37
Shares Outstanding29,372,400
10 Day Avg. Volume237,747
30 Day Avg. Volume247,911
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 Cap2.74
Enterprise Value/Revenue4.22
Enterprise Value/Gross Profit6.38
Enterprise Value/Ebitda12.20
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.25
Revenue Forecast (FY)$45.47M
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 portfolio and secondarily from realized and unrealized gains on its investments. Its core revenue stream is interest income earned on debt investments (commonly including floating-...
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 | -152.47K | -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
4.84
Price Trends
2.90
Negative
2.83
Negative
3.46
Negative
Market Momentum
-0.11
Positive
24.97
Positive
6.35
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 4.84 is above the 20-day moving average (MA) of 2.51, above the 50-day MA of 2.90, and above the 200-day MA of 3.46, indicating a bearish trend. The MACD of -0.11 indicates Positive momentum. The RSI at 24.97 is Positive, neither overbought nor oversold. The STOCH value of 6.35 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 | $449.83M | 10.59 | 8.94% | 9.31% | -46.94% | -51.89% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $277.72M | -2.24 | -19.08% | 21.13% | -153.69% | -168.78% | |
50 Neutral | $66.68M | -1.86 | -23.21% | 28.99% | 32.52% | -816.39% | |
49 Neutral | $218.74M | 15.99 | 0.01% | 16.61% | 122.81% | 43.00% | |
49 Neutral | $46.89M | -1.25 | -29.04% | 25.87% | -21.68% | -223.80% |
* Financial Sector Average
OCCI
OFS Credit Company
2.27
-2.42
-51.59%
GLAD
Gladstone Capital
19.91
-6.09
-23.41%
PNNT
Pennantpark Investment
3.35
-2.66
-44.21%
OFS
OFS Capital
3.50
-3.62
-50.87%
TCPC
BlackRock TCP Capital
3.31
-3.03
-47.79%
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.