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OCCIOFS Credit Company, Inc.
$2.63$77M
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  4. Financial Ratios

OFS Credit Company, Inc. (OCCI) Financial Ratios

Latest Ratios: P/E Ratio -6.7x · EV/EBITDA N/A · ROE -6.6%. (2018–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

OCCI Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Market Cap$77M$123M$118M$71M$79M$107M$32M$44M$47M
Enterprise Value$64M$110M$93M$117M$66M$92M$25M$40M$38M
P/E Ratio →-6.74—7.86——3.57——170.73
P/S Ratio1.903.046.322.303.004.65——134.09
P/B Ratio0.440.800.790.590.840.990.770.960.93
P/FCF——————9.20—18.29
P/OCF——————9.20—18.29

P/E links to full P/E history page with 30-year chart

OCCI EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
EV / Revenue—2.704.993.802.524.00——108.28
EV / EBITDA——2.77——3.99—4.5214.23
EV / EBIT——2.77——3.99——132.59
EV / FCF——————7.34—14.77

OCCI Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Gross Margin70.8%70.8%100.0%100.0%72.0%78.8%293.7%141.4%97.1%
Operating Margin-5.5%-5.5%80.4%-28.7%-34.9%100.3%125.0%121.4%742.4%
Net Profit Margin-24.4%-24.4%80.4%-6.2%-51.8%88.4%224.8%121.4%81.7%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
ROE-6.6%-6.6%11.2%-1.8%-13.4%27.2%-8.4%-16.3%0.6%
ROA-3.9%-3.9%7.0%-1.1%-8.4%17.8%-5.6%-13.2%0.6%
ROIC-1.1%-1.1%6.8%-4.8%-5.5%17.4%-3.5%-12.2%3.9%
ROCE-0.9%-0.9%7.1%-5.2%-5.8%21.2%-3.1%-13.3%5.2%

OCCI Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Debt / Equity———0.52—0.45———
Debt / EBITDA—————2.13———
Net Debt / Equity—-0.09-0.170.38-0.13-0.14-0.16-0.09-0.18
Net Debt / EBITDA——-0.73——-0.65—-0.44-3.39
Debt / FCF——————-1.86—-3.52
Interest Coverage-0.32-0.329.27-1.95-2.268.47-1.25-8.004.12

Net cash position: cash ($14M) exceeds total debt ($0)

OCCI Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Current Ratio3.993.998.946.355.652.59—12.4515.64
Quick Ratio3.993.998.946.355.652.59—12.4515.64
Cash Ratio3.993.998.666.055.392.54—12.2915.35
Asset Turnover—0.150.080.170.160.14-0.03-0.100.01
Inventory Turnover—————————
Days Sales Outstanding—————————

OCCI Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Dividend Yield45.7%25.0%16.1%7.1%4.6%2.1%11.0%12.4%—
Payout Ratio——126.5%——11.0%———

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Earnings Yield——12.7%——28.0%——0.6%
FCF Yield——————10.9%—5.5%
Buyback Yield1.0%0.7%0.0%0.0%0.0%0.0%0.0%0.0%100.0%
Total Shareholder Yield46.8%25.6%16.1%7.1%4.6%2.1%11.0%12.4%100.0%
Shares Outstanding—$26M$17M$11M$8M$8M$3M$3M$3M

Key Metrics

Growth RegimeMixed
ProfitabilityNegative
Balance SheetVulnerable
Cash FlowDeteriorating
Top Statement Risk

CLO equity waterfall volatility

Deep Discount Reflects Structural Uncertainty

As reported in recent financial filings, OCCI trades at a P/B ratio of 0.43, a valuation level that suggests the market is heavily discounting the fund's net asset value due to persistent concerns regarding the long-term viability of its CLO equity cash flows.

The significant discount to book value indicates that investors are pricing in a high probability of future NAV erosion rather than viewing the fund as a stable income generator. This valuation gap relative to historical norms suggests that the market remains skeptical of the fund's ability to maintain its current distribution yield without further dilutive capital raises.

Negative ROE Driven by Volatility

Based on the provided quarterly data, OCCI's ROE has swung into negative territory, reaching -5.6% in 2025Q4, which highlights the extreme sensitivity of the fund's profitability to mark-to-market adjustments within its junior CLO equity portfolio.

The DuPont decomposition reveals that profitability is currently hampered by both erratic net interest margins and high non-interest expenses. The inability to generate consistent positive returns on equity suggests that the fund's current investment strategy is struggling to overcome the structural costs of its leverage and management fee structure.

Efficiency Ratio Signals Operational Strain

According to the latest quarterly financial statements, OCCI's efficiency ratio reached an unsustainable 187.4% in 2025Q4, indicating that operating expenses are currently consuming nearly double the fund's total revenue base.

This extreme efficiency ratio suggests that the fund lacks the necessary operating leverage to absorb market volatility. Investors should monitor whether this trend is a temporary byproduct of portfolio rebalancing or a structural issue where the cost of managing the CLO equity assets exceeds the income they generate.

Thin Capital Buffer Increases Risk

As indicated by the reported equity-to-assets ratio of 0.57 in 2025Q4, OCCI maintains a relatively thin capital buffer, leaving the fund highly exposed to potential credit deterioration within its underlying corporate loan pools.

The decline in the equity-to-assets ratio over the last ten quarters suggests that the fund is increasingly reliant on leverage to support its investment activities. This trend warrants further investigation, as a lower capital cushion reduces the fund's capacity to absorb losses during periods of credit stress without triggering waterfall payment halts.

Misapplied P/E Obscures Cash Reality

The P/E ratio is fundamentally misapplied to OCCI, as reported in financial statements, because it fails to account for the non-cash valuation adjustments that frequently distort GAAP net income in CLO equity funds.

Investors should instead focus on Core Net Investment Income (NII) and cash distribution coverage, as the P/E ratio obscures the fund's actual liquidity position. Relying on P/E in this context may lead to erroneous conclusions about the sustainability of the dividend, as it ignores the underlying cash-generating capacity of the CLO waterfall.

Download Financial Ratios Data

Includes 30+ ratios · 8 years · Updated daily

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OCCI — Frequently Asked Questions

Quick answers to the most common questions about buying OCCI stock.

What is OFS Credit Company, Inc.'s P/E ratio?

OFS Credit Company, Inc.'s current P/E ratio is -6.7x. The historical average is 60.7x.

What is OFS Credit Company, Inc.'s ROE?

OFS Credit Company, Inc.'s return on equity (ROE) is -6.6%. The historical average is -1.0%.

Is OCCI stock overvalued?

Based on historical data, OFS Credit Company, Inc. is trading at a P/E of -6.7x. Compare with industry peers and growth rates for a complete picture.

What is OFS Credit Company, Inc.'s dividend yield?

OFS Credit Company, Inc.'s current dividend yield is 45.75%.

What are OFS Credit Company, Inc.'s profit margins?

OFS Credit Company, Inc. has 70.8% gross margin and -5.5% operating margin.