Pearl Diver Credit Company Inc. AI Stock Analysis
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Pearl Diver Credit Company Inc. (PDCC) AI Stock Analysis
Pearl Diver Credit Company Inc.
(NYSE:PDCC)
The score is driven primarily by a relatively solid balance sheet and financial flexibility, offset by volatile operating profitability and inconsistent cash-flow conversion. Technicals add pressure due to a clear downtrend (price below key moving averages and negative MACD). Valuation is mixed: the negative P/E reduces confidence in earnings-based value signals, while the unusually high dividend yield provides some support but may be less dependable given underlying volatility.
Pearl Diver Credit Company Inc. (PDCC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $51.17M
- Dividend Yield
- 28.40%
- Average Volume (3M)
- 2,755
- Price to Earnings (P/E)
- -23.2
- Beta (1Y)
- 0.13
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- ―
- Sector
- General
- Sector Strength
- 55
- Industry
- Asset Management
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 headquart...
Pearl Diver Credit Company Inc. Financial Statement Overview
Summary
Balance sheet strength is a clear positive (low leverage, sizable equity), but operating performance and cash generation are uneven. 2025 revenue and net margin were strong, yet operating profitability turned materially negative while net income stayed positive, suggesting less reliable earnings quality. Cash flow also swung sharply from negative in 2024 to strong positive in 2025, highlighting volatility.
Income Statement
58NeutralBalance Sheet
74PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 13.82M | 22.27M | 17.49M | 2.24M |
| Gross Profit | 10.71M | 17.56M | 17.42M | 2.24M |
| EBITDA | -15.84M | -15.99M | 15.15M | 8.40M |
| Net Income | -18.34M | -19.33M | 6.77M | 8.38M |
Balance Sheet | ||||
| Total Assets | 116.95M | 141.35M | 179.07M | 96.46M |
| Cash, Cash Equivalents and Short-Term Investments | 3.19M | 1.03M | 188.06K | 19.49M |
| Total Debt | 4.72M | 6.93M | 6.64M | 0 |
| Total Liabilities | 5.94M | 9.21M | 43.86M | 18.76K |
| Stockholders Equity | 111.01M | 132.13M | 135.22M | 96.44M |
Cash Flow | ||||
| Free Cash Flow | 22.24M | 27.81M | -9.71M | 2.17M |
| Operating Cash Flow | 22.24M | 27.81M | -9.71M | 2.17M |
| Investing Cash Flow | -3.64M | -44.26M | -152.72M | -70.75M |
| Financing Cash Flow | -13.79M | -12.45M | 162.62M | 88.06M |
Pearl Diver Credit Company Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PDCC, the sentiment is Neutral. The current price of 7.71 is above the 20-day moving average (MA) of 7.43, below the 50-day MA of 8.06, and below the 200-day MA of 9.20, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 47.75 is Neutral, neither overbought nor oversold. The STOCH value of 38.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PDCC.
Pearl Diver Credit Company Inc. Peers Comparison
Overall Rating
- PDCC56Neutral
RMCO52Neutral
MLCI48Neutral
CWD40Underperform
BTTC34Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PDCC | 56Neutral | $53.47M | -23.15 | -5.12% | 28.40% | ― | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| RMCO | 52Neutral | $33.23M | -36.01 | -6.51% | 0.45% | 133.51% | -250.89% |
| MLCI | 48Neutral | $39.72M | -0.57 | -63.29% | 3.46% | 47.32% | -117.27% |
| CWD | 40Underperform | $4.13M | -0.09 | -1431.61% | ― | -49.72% | 78.89% |
| BTTC | 34Underperform | $4.84M | 0.00 | <0.01% | ― | ― | -8154.56% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PDCC | Pearl Diver Credit Company Inc. | 7.71 | -5.47 | -41.48% | |
| BTTC | Black Titan Corporation | 0.30 | -3.00 | -90.82% | |
| RMCO | Royalty Management Holding Corporation | 2.23 | -0.68 | -23.34% | |
| CWD | CaliberCos, Inc. Class A | 0.41 | -1.93 | -82.31% | |
| MLCI | Mount Logan Capital Inc | 3.47 | -4.00 | -53.52% |
Pearl Diver Credit Company Inc. Corporate Events
Pearl Diver Credit Announces September 2026 NAV Update
NeutralPearl Diver Credit Company Inc. reported that management’s unaudited net asset value per share of its common stock stood at $10.67 as of September 30, 2026. This figure provides investors with a snapshot of the company’s per-share asset value at that...
Pearl Diver Credit Updates August 2026 Net Asset Value
NeutralPearl Diver Credit Company Inc. reported that management’s unaudited net asset value per share of its common stock stood at $10.86 as of August 31, 2026. This NAV disclosure provides investors with an updated snapshot of the company’s per-share value...
Pearl Diver Credit Reports July 2026 NAV Update
NeutralPearl Diver Credit Company Inc. reported that management’s unaudited net asset value per share of its common stock was $10.96 as of July 31, 2026. This NAV figure provides investors with a snapshot of the company’s underlying portfolio value at that...
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: Nov 07, 2026