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Pearl Diver Credit Company Inc.
(NYSE:PDCC)
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Rating:64Neutral
Price Target:
$9.50
▲(3.04% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by solid overall financial positioning (low leverage and strong equity base), tempered by volatility in operating profitability and cash-flow consistency. Valuation is a key positive (low P/E and very high dividend yield), while technical signals remain a notable drag due to a clear downtrend and negative momentum indicators.
Positive Factors
Conservative balance sheet
Very low leverage and a sizable equity base (~$132M in 2025) provide durable financial flexibility. This conservatively positioned balance sheet reduces solvency risk, supports mark-to-market cushions on credit holdings, and enables opportunistic deployments or distributions during stress.
Negative Factors
Volatile operating profitability
Operating results moved from positive in 2024 to deeply negative in 2025 while net income stayed positive, implying reliance on non‑operating gains or one‑offs. This divergence reduces earnings quality and makes distributable income and forward profitability less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a sizable equity base (~$132M in 2025) provide durable financial flexibility. This conservatively positioned balance sheet reduces solvency risk, supports mark-to-market cushions on credit holdings, and enables opportunistic deployments or distributions during stress.
Read all positive factors
Pearl Diver Credit Company Inc. (PDCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$58.54M
Dividend Yield28.59%
Average Volume (3M)3.31K
Price to Earnings (P/E)5.1
Beta (1Y)0.12
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
EmployeesN/A
SectorGeneral
Sector StrengthN/A
IndustryAsset Management
Share Statistics
EPS (TTM)0.73
Shares Outstanding6,803,959
10 Day Avg. Volume1,653
30 Day Avg. Volume3,305
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.73
Price to Sales (P/S)4.35
P/FCF Ratio3.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pearl Diver Credit Company Inc. Business Overview & Revenue Model
Company Description
Pearl Diver Credit Co., Inc. functions as an investment firm, with its primary strategy revolving around the acquisition of collateralized loan obligation securities. The company initiated its operations on April 12, 2023, and its corporate headqu...
Pearl Diver Credit Company Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
74
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 19.92M | 22.27M | 17.49M | 2.24M |
| Gross Profit | 8.07M | 17.56M | 17.42M | 2.24M |
| EBITDA | 7.66M | -15.99M | 15.15M | 8.40M |
| Net Income | 5.94M | -19.33M | 6.77M | 8.38M |
Balance Sheet | ||||
| Total Assets | 157.54M | 141.35M | 179.07M | 96.46M |
| Cash, Cash Equivalents and Short-Term Investments | 2.83M | 1.03M | 188.06K | 19.49M |
| Total Debt | 6.93M | 6.93M | 6.64M | 0.00 |
| Total Liabilities | 9.11M | 9.21M | 43.86M | 18.76K |
| Stockholders Equity | 148.43M | 132.13M | 135.22M | 96.44M |
Cash Flow | ||||
| Free Cash Flow | 24.22M | 27.81M | -9.71M | 2.17M |
| Operating Cash Flow | 24.22M | 27.81M | -9.71M | 2.17M |
| Investing Cash Flow | -146.91M | -44.26M | -152.72M | -70.75M |
| Financing Cash Flow | 153.70M | -12.45M | 162.62M | 88.06M |
Pearl Diver Credit Company Inc. Technical Analysis
Negative
9.22
Price Trends
9.49
Negative
9.76
Negative
11.23
Negative
Market Momentum
-0.21
Positive
41.94
Neutral
35.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PDCC, the sentiment is Negative. The current price of 9.22 is below the 20-day moving average (MA) of 9.25, below the 50-day MA of 9.49, and below the 200-day MA of 11.23, indicating a bearish trend. The MACD of -0.21 indicates Positive momentum. The RSI at 41.94 is Neutral, neither overbought nor oversold. The STOCH value of 35.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PDCC.
Pearl Diver Credit Company Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | $58.54M | 5.09 | 9.37% | 26.68% | ― | ― | |
58 Neutral | $34.24M | -25.34 | -9.59% | 0.43% | 261.10% | -306.51% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | $34.13M | -0.43 | -63.79% | 2.85% | 48.39% | -596.86% | |
44 Neutral | $4.22M | -0.10 | 641.51% | ― | -51.65% | 58.35% | |
34 Underperform | $7.40M | 12,375,891,776,014,100.00 | 1.94% | ― | ― | -8154.56% |
* General Sector Average
PDCC
Pearl Diver Credit Company Inc.
8.94
-4.64
-34.17%
BTTC
Black Titan
0.80
-3.16
-79.80%
RMCO
Royalty Management Holding
2.39
0.93
63.25%
CWD
CaliberCos, Inc. Class A
0.47
-2.13
-81.96%
MLCI
Mount Logan Capital Inc
3.01
-4.90
-61.94%
Pearl Diver Credit Company Inc. Corporate Events
Financial Disclosures
Pearl Diver Credit Reports Mid-2026 Net Asset Value
Neutral
Jul 22, 2026
As of June 30, 2026, Pearl Diver Credit Company Inc. reported an unaudited net asset value of $11.20 per share of common stock, indicating the estimated per-share value of its investment portfolio at that date. This NAV figure provides shareholder...
Financial Disclosures
Pearl Diver Reports Updated May 2026 Net Asset Value
Neutral
Jun 9, 2026
Pearl Diver Credit Company Inc. reported that its management’s unaudited net asset value per share of common stock was $11.28 as of May 31, 2026. This net asset value figure provides investors with an updated snapshot of the company’s ...
Financial Disclosures
Pearl Diver Credit Reports April 2026 Unaudited NAV Update
Neutral
May 14, 2026
As of April 30, 2026, Pearl Diver Credit Company Inc. reported an unaudited net asset value per share of its common stock of $11.17, providing investors with an updated snapshot of the firm’s underlying portfolio value at that date. This fig...
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.