Eagle Point Income Co (EIC) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: 17.28%
• Average Volume (3M): 212.71K
• Price to Earnings (P/E): 7.9
• Beta (1Y): 0.23
• Revenue Growth: 65.99%
• EPS Growth: -77.92%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management - Income
• EPS (TTM): 0.44
• Shares Outstanding: 23,464,222
• 10 Day Avg. Volume: 159,276
• 30 Day Avg. Volume: 212,707
• PEG Ratio: -0.63
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 5.03
• P/FCF Ratio: -1.46
• Enterprise Value/Market Cap: 10.00T>
• Enterprise Value/Revenue: 6.77
• Enterprise Value/Gross Profit: 7.04
• Enterprise Value/Ebitda: 13.68
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: $11.50 ▲(11.54% Upside)
• Action: Reiterated Date: 01/13/26
• Date: Action: Reiterated 01/13/26

The score is primarily constrained by weak cash generation and higher leverage risk in the financials, reinforced by bearish technical signals (below key moving averages and negative MACD). These are partially offset by an attractive valuation (low P/E and high yield) and a neutral earnings-call backdrop with improving NAV and shareholder-friendly buybacks but a reduced distribution and realized losses.

Positive Factors

Revenue Growth

The significant revenue growth of approximately 70.7% indicates strong market demand and effective portfolio management, enhancing long-term financial stability.

Balance Sheet Health

A debt-free balance sheet enhances financial flexibility and reduces risk, supporting sustainable growth and resilience against economic downturns.

Return on Equity

High return on equity reflects efficient use of shareholder funds, indicating strong management performance and potential for attractive shareholder returns.

Negative Factors

Cash Flow Challenges

Negative free cash flow suggests potential liquidity issues, which could limit the company's ability to invest in growth opportunities or weather financial downturns.

Interest Rate Impact

Decreasing interest rates may compress yields on investments, potentially reducing future income and affecting profitability.

Effective Yield Compression

Yield compression due to tight loan spreads can reduce investment returns, impacting long-term income generation and financial performance.

Eagle Point Income Co Business Overview & Revenue Model

Company Description

Eagle Point Income Company manages capital on behalf of institutional, high-net-worth, and retail investors through private funds, separately managed accounts, and publicly-listed closed-end vehicles. They provide CLO securities and related investments. The investment objective is to generate high current income, with a secondary objective to generate capital appreciation.

How the Company Makes Money

Eagle Point Income Co makes money through its investments in CLOs and other income-generating securities. The company's primary source of revenue is the interest income earned from these investments. CLOs are structured finance securities backed by a pool of loans, typically corporate loans, and EIC earns returns through the interest payments made on these underlying loans. Additionally, the company may also benefit from capital gains by actively managing its portfolio to take advantage of market opportunities. EIC's revenues are influenced by factors such as interest rate movements, credit market conditions, and the performance of the underlying loan assets. The company may also engage in partnerships and leverage financial instruments to optimize its income-generating potential.

Eagle Point Income Co Financial Statement Overview

Summary

Profitability is currently strong, but overall quality is held back by persistently negative and volatile operating/free cash flow and a notable recent step-up in leverage, which increases balance-sheet risk.

Income Statement

Profitability is strong in the latest TTM (Trailing-Twelve-Months), with high gross and operating profitability and a healthy net profit margin. Revenue is still growing, though at a much slower pace than earlier periods and growth appears more modest and less consistent over time. History shows earnings volatility (including a loss in 2022 and unusual margin behavior in 2020), which keeps the score below top-tier despite the current strength.

Balance Sheet

The balance sheet shows a meaningful equity base and a positive return on equity in the latest TTM (Trailing-Twelve-Months), but leverage has risen sharply versus prior years. Debt relative to equity moved from very low levels in 2024 to a much more leveraged posture in the latest period, reducing financial flexibility. Overall, it is not overextended, but the direction of leverage is a clear risk factor.

Cash Flow

Cash generation is the key weakness: operating cash flow and free cash flow are negative in the latest TTM (Trailing-Twelve-Months), and free cash flow growth deteriorated materially. Prior years also show large negative operating and free cash flow (notably 2023–2024), indicating uneven cash conversion and potential reliance on portfolio activity or financing to support operations. This persistent volatility in cash flow meaningfully pressures overall quality.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.33M	45.68M	26.75M	19.04M	12.30M	-3.25M
Gross Profit	59.03M	43.00M	22.87M	15.96M	9.02M	-4.98M
EBITDA	30.37M	41.55M	48.11M	-13.33M	8.85M	0.00
Net Income	28.44M	41.55M	29.29M	-15.95M	8.01M	-5.05M
Balance Sheet
Total Assets	563.41M	455.54M	243.73M	148.57M	173.18M	118.70M
Cash, Cash Equivalents and Short-Term Investments	41.27M	8.10M	944.06K	37.06K	211.76K	36.70K
Total Debt	191.92M	1.96M	14.49M	9.02M	19.46M	14.77M
Total Liabilities	207.91M	138.55M	85.52M	46.63M	57.83M	15.58M
Stockholders Equity	355.50M	316.99M	158.21M	101.94M	115.35M	103.12M
Cash Flow
Free Cash Flow	-3.69M	-157.06M	-63.43M	9.61M	5.33M	8.13M
Operating Cash Flow	-3.69M	-157.06M	-63.43M	9.61M	5.33M	8.13M
Investing Cash Flow	-73.51M	0.00	0.00	-4.53M	-51.14M	-1.12M
Financing Cash Flow	115.23M	164.22M	64.34M	-5.26M	45.99M	-7.17M

Eagle Point Income Co Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.31
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EIC, the sentiment is Negative. The current price of 10.31 is below the 20-day moving average (MA) of 10.51, below the 50-day MA of 10.80, and below the 200-day MA of 11.84, indicating a bearish trend. The MACD of -0.24 indicates Positive momentum. The RSI at 34.49 is Neutral, neither overbought nor oversold. The STOCH value of 46.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EIC.

Eagle Point Income Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FBNC	74 Outperform	$2.53B	22.78	6.39%	1.69%	-5.72%	-3.86%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACNB	65 Neutral	$539.49M	14.43	9.18%	2.78%	41.95%	-4.72%
FISI	59 Neutral	$680.82M	9.37	-4.98%	3.89%	-28.00%	-174.60%
EIC	58 Neutral	―	7.92	9.00%	17.28%	65.99%	-77.92%
MFIC	58 Neutral	―	10.50	7.18%	13.35%	-12.06%	-31.14%
ECPG	58 Neutral	$1.30B	-31.78	-4.51%	―	10.85%	77.59%

Eagle Point Income Co Corporate Events

Eagle Point Income Issues Preliminary Fourth-Quarter 2025 Results

For the quarter ended December 31, 2025, Eagle Point Income Co. reported management’s unaudited estimate of net asset value per common share in a range of $13.25 to $13.35, reflecting the underlying value of its income-focused investment portfolio. Over the same period, the company estimated net investment income of $0.32 to $0.36 per share and realized losses of $0.30 to $0.34 per share, indicating that while the portfolio continued to generate income, market or portfolio-related factors led to realized capital losses that partially offset those earnings for shareholders.

The most recent analyst rating on (EIC) stock is a Hold with a $12.00 price target. To see the full list of analyst forecasts on Eagle Point Income Co stock, see the EIC Stock Forecast page.

Eagle Point Income Co Announces November NAV Estimate

Eagle Point Income Co announced an unaudited estimate of its net asset value per share of common stock as of November 30, 2025, which ranged between $13.34 and $13.44.

The most recent analyst rating on (EIC) stock is a Buy with a $14.00 price target. To see the full list of analyst forecasts on Eagle Point Income Co stock, see the EIC Stock Forecast page.