Pearl Diver Credit Company Inc. (PDCC)
NYSE:PDCC
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Pearl Diver Credit Company Inc.
(NYSE:PDCC)
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Rating:64Neutral
Price Target:
$11.50
▲(6.48% Upside)
Action:Reiterated
Date:03/13/26
The score is driven primarily by mixed fundamentals: a strong, low-leverage balance sheet offsets volatile operating profitability and inconsistent cash flow. Valuation metrics are exceptionally cheap with a very high dividend yield, but technicals are notably weak, with the stock in a clear downtrend and deeply bearish momentum.
Positive Factors
Low leverage / strong equity base
A conservatively leveraged balance sheet with sizable equity (~$132M in 2025 and very low debt) is a durable advantage: it increases resilience to credit shocks, preserves financial flexibility for opportunistic investing or buybacks, and supports distributions during market stress.
Negative Factors
Operating profitability volatility
A swing to deeply negative operating results while net income remained positive implies reliance on non-operating gains or one-offs. That undermines earnings quality and makes core earning capacity and distributable income less predictable for planning dividends or capital deployment.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / strong equity base
A conservatively leveraged balance sheet with sizable equity (~$132M in 2025 and very low debt) is a durable advantage: it increases resilience to credit shocks, preserves financial flexibility for opportunistic investing or buybacks, and supports distributions during market stress.
Read all positive factors
Pearl Diver Credit Company Inc. (PDCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
N/A
Dividend Yield18.86%
Average Volume (3M)3.31K
Price to Earnings (P/E)―
Beta (1Y)0.17
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)0.73
Shares Outstanding6,803,959
10 Day Avg. Volume1,653
30 Day Avg. Volume3,305
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.73
Price to Sales (P/S)4.35
P/FCF Ratio3.49
Enterprise Value/Market Cap10.00T>
Enterprise Value/Revenue4.98
Enterprise Value/Gross Profit12.72
Enterprise Value/Ebitda11.37
Forecast
1Y Price Target
$12.00Price Target Upside11.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pearl Diver Credit Company Inc. Business Overview & Revenue Model
Company Description
Pearl Diver Credit Co., Inc. operates as an investment company. It focuses on the investing in collateralized loan obligations securities. The company was founded on April 12, 2023 and is headquartered in New York, NY....
How the Company Makes Money
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Pearl Diver Credit Company Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
74
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 15.60M | 22.27M | 17.49M | 2.24M |
| Gross Profit | 6.10M | 17.56M | 17.42M | 2.24M |
| EBITDA | 6.82M | -15.99M | 15.15M | 8.40M |
| Net Income | 5.97M | -19.33M | 6.77M | 8.38M |
Balance Sheet | ||||
| Total Assets | 157.54M | 141.35M | 179.07M | 96.46M |
| Cash, Cash Equivalents and Short-Term Investments | 2.83M | 1.03M | 188.06K | 19.49M |
| Total Debt | 6.93M | 6.93M | 6.64M | 0.00 |
| Total Liabilities | 9.11M | 9.21M | 43.86M | 18.76K |
| Stockholders Equity | 148.43M | 132.13M | 135.22M | 96.44M |
Cash Flow | ||||
| Free Cash Flow | 24.22M | 27.81M | -9.71M | 2.17M |
| Operating Cash Flow | 24.22M | 27.81M | -9.71M | 2.17M |
| Investing Cash Flow | -146.91M | -44.26M | -152.72M | -70.75M |
| Financing Cash Flow | 153.70M | -12.45M | 162.62M | 88.06M |
Pearl Diver Credit Company Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ― | -5.02 | 12.77% | 18.86% | ― | ― | |
| ― | $10.00M | >-0.01 | -109.09% | ― | ― | -8154.56% | |
51 Neutral | $35.90M | -17.24 | -9.59% | 0.20% | 261.10% | -306.51% | |
47 Neutral | $6.85M | -1.77 | -25.88% | 1.07% | 48.39% | -596.86% | |
44 Neutral | $8.76M | -0.22 | -1438.14% | ― | -51.65% | 58.35% |
* Financial Sector Average
PDCC
Pearl Diver Credit Company Inc.
10.40
-4.13
-28.42%
BTTC
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1.10
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-76.34%
RMCO
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2.37
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106.27%
CWD
CaliberCos, Inc. Class A
0.99
-2.18
-68.77%
MLCI
Mount Logan Capital Inc
3.39
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-57.14%
Pearl Diver Credit Company Inc. Corporate Events
Financial Disclosures
Pearl Diver Credit Reports April 2026 Unaudited NAV Update
Neutral
May 14, 2026
As of April 30, 2026, Pearl Diver Credit Company Inc. reported an unaudited net asset value per share of its common stock of $11.17, providing investors with an updated snapshot of the firm’s underlying portfolio value at that date. This fig...
Financial Disclosures
Pearl Diver Credit Reports First-Quarter 2026 NAV Per Share
Neutral
Apr 17, 2026
As of March 31, 2026, Pearl Diver Credit Company Inc. reported an unaudited net asset value of $10.48 per share of its common stock. This NAV figure provides investors with an updated snapshot of the company’s underlying portfolio value and ...
Financial Disclosures
Pearl Diver Credit Reports Updated Net Asset Value
Neutral
Mar 19, 2026
Pearl Diver Credit Company Inc. reported that management’s unaudited net asset value per share of its common stock was $10.74 as of February 28, 2026. This NAV figure provides investors with an updated indication of the company’s per-s...
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.