M&G Credit Income Investment Trust Plc (GB:MGCI)
LSE:MGCI
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M&G Credit Income Investment Trust Plc
(LSE:MGCI)
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Rating:65Neutral
Price Target:
96.00 p
â–˛(1.05% Upside)
Action:ReiteratedDate:04/04/26
The score is driven primarily by strong balance sheet quality and an attractive dividend yield, offset by inconsistent cash flow generation and weak technical momentum (below key moving averages with negative MACD).
Positive Factors
Strong balance sheet / minimal leverage
Low leverage and an equity-heavy capital structure materially reduce solvency and liquidity risk for a credit-focused trust. That resilience supports NAV stability during credit stress, gives the manager flexibility to hold positions through cycles, and underpins sustained distributions over a 2–6 month horizon.
Negative Factors
Inconsistent cash generation
Repeated episodes of materially negative operating/free cash flow indicate weak cash conversion from reported profits. That inconsistency undermines confidence in reliable dividend coverage and raises the risk that distributions or NAV may be pressured if timing, working-capital swings or impairment events recur.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong balance sheet / minimal leverage
Low leverage and an equity-heavy capital structure materially reduce solvency and liquidity risk for a credit-focused trust. That resilience supports NAV stability during credit stress, gives the manager flexibility to hold positions through cycles, and underpins sustained distributions over a 2–6 month horizon.
Read all positive factors
M&G Credit Income Investment Trust Plc (MGCI) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
N/A
Dividend Yield8.27%
Average Volume (3M)427.06K
Price to Earnings (P/E)―
Beta (1Y)0.09
Revenue Growth5.48%
EPS Growth-43.30%
CountryUK
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryAsset Management - Income
Share Statistics
EPS (TTM)0.03
Shares Outstanding205,543,750
10 Day Avg. Volume582,217
30 Day Avg. Volume427,056
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.83
Price to Sales (P/S)13.66
P/FCF Ratio-4.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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
M&G Credit Income Investment Trust Plc Business Overview & Revenue Model
Company Description
M&G Credit Income Investment Trust plc invests in a portfolio of public and private debt and debt-like instruments. The company was incorporated in 2018 and is based in Exeter, the United Kingdom....
How the Company Makes Money
MGCI makes money primarily through investment returns earned on its credit portfolio. Its key recurring source of earnings is interest income (coupon and floating-rate interest payments) received from the debt securities and loan exposures it hold...
M&G Credit Income Investment Trust Plc Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
88
Very Positive
Cash Flow
46
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 11.25M | 10.71M | 15.36M | -803.00K | 7.86M |
| Gross Profit | 11.25M | 12.48M | 15.36M | -803.00K | 7.86M |
| EBITDA | 10.37M | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 10.37M | 10.62M | 13.31M | -2.57M | 6.03M |
Balance Sheet | |||||
| Total Assets | 188.27M | 140.87M | 139.04M | 144.83M | 144.85M |
| Cash, Cash Equivalents and Short-Term Investments | 6.45M | 3.45M | 2.84M | 3.44M | 3.13M |
| Total Debt | 0.00 | 0.00 | 0.00 | 7.00M | 0.00 |
| Total Liabilities | 2.50M | 878.00K | 3.76M | 9.72M | 1.09M |
| Stockholders Equity | 185.77M | 140.00M | 135.28M | 135.11M | 143.76M |
Cash Flow | |||||
| Free Cash Flow | -32.27M | 6.72M | 19.63M | -519.00K | 5.21M |
| Operating Cash Flow | -32.27M | 6.72M | 19.63M | -519.00K | 5.21M |
| Investing Cash Flow | 0.00 | 0.00 | 0.00 | -87.00K | 1.12M |
| Financing Cash Flow | 35.27M | -6.02M | -20.29M | 718.00K | -9.02M |
M&G Credit Income Investment Trust Plc Technical Analysis
Neutral
95.00
Price Trends
92.14
Negative
92.50
Negative
91.94
Negative
Market Momentum
-0.73
Negative
52.41
Neutral
50.37
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MGCI, the sentiment is Neutral. The current price of 95 is above the 20-day moving average (MA) of 89.72, above the 50-day MA of 92.14, and above the 200-day MA of 91.94, indicating a neutral trend. The MACD of -0.73 indicates Negative momentum. The RSI at 52.41 is Neutral, neither overbought nor oversold. The STOCH value of 50.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:MGCI.
M&G Credit Income Investment Trust Plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ÂŁ8.95B | 11.95 | 12.35% | 5.37% | 4.78% | -4.86% | |
74 Outperform | £846.15M | 8.25 | 11.49% | 2.70% | -4.38% | ― | |
72 Outperform | ÂŁ1.43B | 4.19 | 14.60% | 9.91% | -28.89% | -12.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ÂŁ4.58B | 5.37 | 23.35% | 4.13% | 28.34% | 44.04% | |
65 Neutral | ― | ― | 5.78% | 8.27% | 5.48% | -43.30% | |
52 Neutral | ÂŁ744.84M | -13.08 | 2.49% | 1.22% | -37.43% | -67.39% |
* Financial Sector Average
GB:MGCI
M&G Credit Income Investment Trust Plc
91.00
3.52
4.03%
GB:ASHM
Ashmore Group PLC
216.40
96.64
80.69%
GB:ICG
ICG plc
1,638.00
133.65
8.88%
GB:JUP
Jupiter Fund Management Plc
166.00
100.97
155.27%
GB:SDR
Schroders
577.50
300.30
108.33%
GB:BUR
Burford Capital
340.00
-557.81
-62.13%
M&G Credit Income Investment Trust Plc Corporate Events
Business Operations and StrategyFinancial Disclosures
M&G Credit Income Trust Draws Inflows as New Kepler Research Highlights Income Strength
Positive
Apr 2, 2026
MG Credit Income Investment Trust has highlighted that it continues to attract investor inflows, supported by strong income performance from its credit-focused portfolio. The trust has been profiled in a new, freely accessible research note from K...
Regulatory Filings and Compliance
M&G Credit Income Investment Trust Updates Market on Total Voting Rights
Neutral
Apr 1, 2026
MG Credit Income Investment Trust Plc has confirmed that, as of 31 March 2026, its issued share capital comprised 205,543,740 ordinary shares of 1 pence each, with 250,000 ordinary shares held in treasury that do not carry voting rights. The total...
Business Operations and StrategyExecutive/Board ChangesStock BuybackDividendsFinancial Disclosures
M&G Credit Income Trust Grows Assets, Holds Defensive Line Amid Volatile Credit Markets
Neutral
Mar 30, 2026
MG Credit Income Investment Trust reported a 6.21% NAV total return for 2025, below its SONIA+4% benchmark and most investment grade indices but ahead of European high-yield comparables, as it kept the portfolio defensively positioned amid stretch...
Stock BuybackRegulatory Filings and Compliance
M&G Credit Income Investment Trust Buys Back 100,000 Shares on LSE
Neutral
Mar 26, 2026
MG Credit Income Investment Trust plc has carried out a share buyback, with Winterflood Securities purchasing 100,000 ordinary shares on its behalf at 89.00p per share on the London Stock Exchange. Following this transaction, the company’s i...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
M&G Credit Income Investment Trust Buys Back 75,000 Shares on London Market
Positive
Mar 23, 2026
MG Credit Income Investment Trust plc has executed a share buyback on 23 March 2026, with Winterflood Securities Limited purchasing 75,000 ordinary shares of 1p each at 88.87p per share on its behalf on the London Stock Exchange. The move modestly...
Stock BuybackRegulatory Filings and Compliance
M&G Credit Income Investment Trust Buys Back 75,000 Shares on LSE
Neutral
Mar 19, 2026
MG Credit Income Investment Trust plc has repurchased 75,000 of its own ordinary shares at 89.80p each through Winterflood Securities Limited in a transaction executed on the London Stock Exchange. Following this buyback, the company’s issue...
Business Operations and Strategy
M&G Credit Income Trust Maintains Defensive Stance Amid Market Volatility
Positive
Mar 17, 2026
MG Credit Income Investment Trust plc has reiterated its cautious stance amid sharp market volatility sparked by the Iran conflict, an AI‑linked sell‑off in software stocks and negative headlines around U.S. private credit. The trust c...
Regulatory Filings and Compliance
M&G Credit Income Trust Confirms Total Voting Rights at 205.8 Million Shares
Neutral
Mar 2, 2026
MG Credit Income Investment Trust Plc has reported that, as of 28 February 2026, its issued share capital comprised 205,793,740 ordinary shares of 1 pence each, with each share carrying one voting right. The total number of voting rights therefore...
Financial DisclosuresRegulatory Filings and Compliance
M&G Credit Income Investment Trust Publishes January 2026 Performance Factsheet
Positive
Feb 26, 2026
MG Credit Income Investment Trust plc has released its monthly performance factsheet for the period ended 31 January 2026, providing investors with updated portfolio and performance data. The document, now available on the company’s website,...
Executive/Board Changes
M&G Credit Income Investment Trust Refreshes Board with New Non-Executive Director
Positive
Feb 26, 2026
MG Credit Income Investment Trust has appointed Christiane Elsenbach as an independent non-executive director with effect from 26 February 2026, adding her to the board’s Management Engagement, Nomination, Remuneration and Audit Committees. ...
Regulatory Filings and Compliance
M&G Credit Income Investment Trust Enters Closed Period Ahead of 2025 Results
Neutral
Feb 25, 2026
MG Credit Income Investment Trust plc has entered a closed period under the Market Abuse Regulation ahead of publishing its annual results for the year ended 31 December 2025. The company states that all inside information held by its directors ha...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
Positive
Feb 19, 2026
MG Credit Income Investment Trust plc has expanded its capital base by issuing 250,000 new ordinary shares at 93.60 pence each, responding to ongoing investor demand for its existing stock. The newly issued shares are fully paid and rank equally w...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues 350,000 New Shares to Meet Investor Demand
Positive
Feb 13, 2026
MG Credit Income Investment Trust plc has issued 350,000 new ordinary shares at 93.60 pence each under its block listing to satisfy continued investor demand for its stock. The newly issued shares are fully paid, rank pari passu with existing shar...
Other
M&G Credit Income Investment Trust Director Increases Stake with Share Purchase
Positive
Feb 10, 2026
MG Credit Income Investment Trust plc disclosed a share dealing by non-executive director and person discharging managerial responsibilities Richard Boléat. The trust, which invests in credit income assets to generate returns for its sharehol...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues New Shares to Meet Investor Demand
Positive
Feb 4, 2026
MG Credit Income Investment Trust plc has issued 250,000 new ordinary shares at 93.40 pence per share from its block listing to satisfy ongoing investor demand for its stock. The new shares, which are fully paid and rank pari passu with existing s...
Regulatory Filings and Compliance
M&G Credit Income Investment Trust Updates Total Voting Rights After Minor Disclosure Error
Neutral
Jan 30, 2026
MG Credit Income Investment Trust plc has clarified that, as of 30 January 2026, its issued share capital comprises 204,943,740 ordinary shares of 1 penny each, carrying one vote per share, resulting in a total of 204,943,740 voting rights. The co...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues 250,000 New Shares to Meet Investor Demand
Positive
Jan 29, 2026
MG Credit Income Investment Trust plc has issued 250,000 new ordinary shares at 93.60 pence per share under its block listing to satisfy ongoing investor demand for its existing shares. The new shares, which are fully paid and rank pari passu with...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues 500,000 New Shares to Meet Investor Demand
Positive
Jan 28, 2026
MG Credit Income Investment Trust plc has issued 500,000 new ordinary shares at 95.10 pence per share under its block listing to satisfy ongoing investor demand for its existing shares, with the new stock ranking pari passu with the current ordina...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Raises Capital With New Share Issue to Meet Investor Demand
Positive
Jan 26, 2026
MG Credit Income Investment Trust plc has issued 500,000 new ordinary shares at 95.00 pence per share under its block listing to satisfy continuing investor demand for its stock. The new shares, which are fully paid and rank pari passu with existi...
Business Operations and StrategyFinancial Disclosures
M&G Credit Income Trust Sticks to Defensive, Private-Credit Tilt as Q4 NAV Trails Benchmark
Neutral
Jan 21, 2026
MG Credit Income Investment Trust reported a 1.27% NAV total return for the fourth quarter of 2025, lagging its benchmark’s 2.01% as its managers maintained a deliberately defensive stance, sacrificing near-term yield while positioning for b...
Private Placements and Financing
M&G Credit Income Investment Trust Raises Capital With 500,000-Share Issue
Positive
Jan 20, 2026
MG Credit Income Investment Trust plc has issued 500,000 new ordinary shares at 94.90 pence each under its block listing programme to satisfy ongoing investor demand for its stock. The new shares, which rank equally with existing ordinary shares, ...
Dividends
M&G Credit Income Investment Trust Announces Final Interim Dividend for 2025
Positive
Jan 19, 2026
MG Credit Income Investment Trust plc has declared a final interim quarterly dividend of 1.85 pence per ordinary share for the financial year ended 31 December 2025. Together with the three earlier quarterly payouts, this distribution equates to a...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Raises Equity to Meet Strong Share Demand
Positive
Jan 14, 2026
MG Credit Income Investment Trust plc has issued 2.5 million new ordinary shares at 94.80 pence each under its block listing to satisfy continued investor demand for its stock. The share issue, which increases the total number of ordinary shares a...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues 500,000 New Shares to Meet Investor Demand
Positive
Jan 14, 2026
MG Credit Income Investment Trust plc has issued 500,000 new ordinary shares at 94.80 pence per share under its block listing to satisfy continued investor demand for its stock. The issuance increases the total number of ordinary shares and voting...
Private Placements and FinancingRegulatory Filings and Compliance
M&G Credit Income Investment Trust Issues 250,000 New Shares to Meet Investor Demand
Positive
Jan 13, 2026
MG Credit Income Investment Trust plc has issued 250,000 new ordinary shares at 94.80 pence per share under its block listing to satisfy ongoing investor demand for its stock. The new shares, which rank equally with existing shares, increase the c...
Other
M&G Credit Income Director Richard Boléat Increases Stake With Share Purchase
Positive
Jan 5, 2026
MG Credit Income Investment Trust plc has disclosed that non-executive director and person discharging managerial responsibilities (PDMR) Richard Boléat purchased 10,000 ordinary shares in the company on 5 January 2026 at a price of £0.9...
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.