OFS Credit Company (OCCI) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: 28.99%
• Average Volume (3M): 277.54K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.72
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -0.33
• Shares Outstanding: 28,025,822
• 10 Day Avg. Volume: 282,662
• 30 Day Avg. Volume: 277,536
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 10.00T>
• Enterprise Value/Revenue: 6.62
• Enterprise Value/Gross Profit: 6.62
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.18
• Revenue Forecast (FY): $61.17M

• Rating: 55 Neutral
• Price Target: $5.00 ▲(3.31% Upside)

The overall stock score of 55 reflects significant financial performance challenges, including declining revenues and profitability. Technical analysis suggests a neutral to slightly bearish trend, while the high dividend yield offers some appeal. The absence of earnings call data and notable corporate events limits further insights.

Positive Factors

Cash Flow Generation

Positive operating cash flow indicates effective cash generation relative to net income, which is crucial for maintaining liquidity and funding operations.

Manageable Leverage

A moderate debt-to-equity ratio suggests the company has a balanced approach to leveraging, which can support stability and growth without excessive risk.

High Dividend Yield

A high dividend yield can attract income-focused investors, providing a steady return and potentially supporting stock price stability.

Negative Factors

Declining Revenue

Significant revenue decline indicates challenges in market demand or competitive positioning, which could impact long-term growth and profitability.

Negative Profit Margins

Negative profit margins suggest operational inefficiencies, which can hinder profitability and limit reinvestment capacity for future growth.

Negative Return on Equity

A negative return on equity indicates poor efficiency in generating returns on shareholder investments, potentially affecting investor confidence and capital raising.

OFS Credit Company Business Overview & Revenue Model

Company Description

OFS Credit Company, Inc. is a fund of OFS Advisor.

How the Company Makes Money

OFS Credit Company generates revenue through interest income from the loans and credit facilities it provides to its clients. The primary revenue stream comes from the interest charged on the loans, which is typically higher than traditional banking rates due to the higher risk associated with lending to underserved markets. Additionally, OCCI may charge origination fees, late fees, and other service charges that contribute to its overall earnings. The company also engages in partnerships with financial institutions and business development organizations to expand its reach and enhance its service offerings, thereby increasing its customer base and potential revenue. Furthermore, OCCI may generate income through the sale of financial products and services, including insurance and investment offerings related to its credit solutions.

OFS Credit Company Financial Statement Overview

Summary

OFS Credit Company demonstrates a substantial recovery in revenue and profitability, with strong gross profit margins and improved equity position. However, the company faces challenges in cash flow management and profit volatility, which could impact future stability. Continued focus on expense control and cash flow improvement is essential for sustained growth.

Income Statement

The income statement shows a strong recovery in revenue with a notable increase from negative figures in 2022 to $34M in TTM 2025. The gross profit margin is high at 93.7% for TTM 2025, indicating efficient cost management. However, net profit margin decreased to 34.8% from 80.4% in 2024, suggesting rising costs or other expenses. Revenue growth is robust, but EBIT and EBITDA figures indicate volatility in profitability over the years.

Balance Sheet

The balance sheet exhibits a favorable equity position with a steady increase in stockholders' equity reaching $164M in TTM 2025. The debt-to-equity ratio remains moderate at 0.54, reflecting a balanced capital structure. The equity ratio improved to 63.9% in TTM 2025, indicating strong financial stability. However, fluctuations in total debt and liabilities pose potential risks to financial stability.

Cash Flow

Cash flow analysis shows challenges with negative free cash flow in recent periods, indicating potential liquidity issues. Operating cash flow and free cash flow to net income ratios are unavailable, limiting the assessment of cash generation efficiency. The company needs to address cash flow management to ensure sustainability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	40.77M	40.54M	18.69M	30.70M	26.22M	22.97M
Gross Profit	40.77M	28.70M	18.69M	30.70M	18.88M	18.10M
EBITDA	0.00	-2.22M	12.16M	-152.47K	-13.59M	20.31M
Net Income	4.45M	-9.91M	15.02M	-1.89M	-13.59M	20.31M
Balance Sheet
Total Assets	287.40M	270.82M	240.77M	185.93M	159.03M	165.21M
Cash, Cash Equivalents and Short-Term Investments	7.33M	13.51M	24.70M	16.78M	12.54M	15.00M
Total Debt	113.71M	113.91M	0.00	62.77M	0.00	0.00
Total Liabilities	117.37M	117.80M	92.17M	65.74M	64.82M	57.11M
Stockholders Equity	170.03M	153.02M	148.61M	120.19M	94.21M	108.10M
Cash Flow
Free Cash Flow	0.00	34.53M	-30.55M	-23.68M	-14.60M	-65.72M
Operating Cash Flow	0.00	34.53M	-30.55M	-23.68M	-14.60M	-65.72M
Investing Cash Flow	0.00	-84.86M	0.00	-49.78M	-31.47M	-86.58M
Financing Cash Flow	0.00	39.13M	38.47M	27.92M	12.14M	74.27M

OFS Credit Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.84
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OCCI, the sentiment is Positive. The current price of 4.84 is above the 20-day moving average (MA) of 4.78, above the 50-day MA of 4.65, and below the 200-day MA of 5.20, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 55.38 is Neutral, neither overbought nor oversold. The STOCH value of 69.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OCCI.

OFS Credit Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OFS	70 Outperform	$61.63M	19.08	2.25%	25.87%	-14.76%	―
GLAD	70 Neutral	$459.99M	8.07	11.86%	9.31%	41.12%	-40.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MRCC	64 Neutral	$134.76M	-32.06	-2.25%	14.03%	-34.92%	-132.22%
PNNT	59 Neutral	$383.29M	11.71	6.83%	16.61%	-3.09%	200.66%
TCPC	58 Neutral	$453.90M	-50.98	-1.15%	21.13%	-91.81%	78.46%
OCCI	55 Neutral	―	-13.38	-6.57%	28.99%	―	―