OFS Credit Company (OCCI) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: 28.99%
• Average Volume (3M): 476.03K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.70
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -0.77
• Shares Outstanding: 29,088,072
• 10 Day Avg. Volume: 312,112
• 30 Day Avg. Volume: 476,033
• PEG Ratio: 0.09
• Price to Book (P/B): 0.80
• Price to Sales (P/S): 3.04
• P/FCF Ratio: 3.57
• Enterprise Value/Market Cap: 10.00T>
• Enterprise Value/Revenue: 4.40
• Enterprise Value/Gross Profit: 6.65
• Enterprise Value/Ebitda: -27.58
• 1Y Price Target: $4.00
• Price Target Upside: -17.36% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.5
• Revenue Forecast (FY): $61.17M

• Rating: 48 Neutral
• Price Target: $2.50 ▼(-48.35% Downside)
• Action: Reiterated Date: 02/25/26
• Date: Action: Reiterated 02/25/26

The score is primarily weighed down by weak financial performance (declining revenue, negative profitability, and pressured cash metrics) and bearish technicals (price below all key moving averages with negative momentum). A very high dividend yield helps valuation somewhat, but losses (negative P/E) limit the benefit.

Positive Factors

Asset-based lending focus

A focused asset-based lending model to underserved small and mid-size businesses creates durable demand for collateralized credit products. Secured loans and lines of credit typically offer better recovery rates and more predictable cash flows over months, supporting steadier origination activity and risk management.

Negative Factors

Sharp revenue decline

A 54.6% revenue decline alongside negative net income is a durable red flag: it implies materially lower origination volumes or higher charge-offs and erodes the lending franchise. Over several months this reduces fee and interest income, weakens reinvestment capacity, and pressures strategic options.

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 banki...

Read more

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 banki...

OFS Credit Company Financial Statement Overview

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

OFS Credit Company Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.84
• 50DMA: Negative
• 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 Neutral. The current price of 4.84 is above the 20-day moving average (MA) of 2.86, above the 50-day MA of 3.54, and above the 200-day MA of 4.43, indicating a neutral trend. The MACD of -0.16 indicates Negative momentum. The RSI at 42.65 is Neutral, neither overbought nor oversold. The STOCH value of 63.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OCCI.

OFS Credit Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PNNT	59 Neutral	$284.69M	10.64	5.42%	16.61%	-3.09%	200.66%
MRCC	59 Neutral	$97.50M	-13.03	-2.90%	14.03%	-34.92%	-132.22%
GLAD	56 Neutral	$373.92M	19.71	7.50%	9.31%	41.12%	-40.68%
TCPC	53 Neutral	$290.10M	-5.23	-12.44%	21.13%	-91.81%	78.46%
OFS	52 Neutral	$42.74M	-1.93	-23.38%	25.87%	-14.76%	―
OCCI	48 Neutral	―	-1.49	-23.21%	28.99%	―	―