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:
$11.00
▲(1.85% Upside)
Action:ReiteratedDate: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 balance sheet
Consistently minimal leverage and sizable equity (~$132M in 2025) provide durable financial flexibility for an asset manager. This lowers refinancing risk, supports dividend capacity and opportunistic buying, and cushions portfolio drawdowns over a 2–6 month horizon.
Negative Factors
Volatile operating profitability
Large swings between operating profit and loss show earnings rely on non-operating items or one-offs, reducing predictability of core performance. For investors this raises risk that future net income may not translate into repeatable cash available for dividends or reinvestment.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / strong balance sheet
Consistently minimal leverage and sizable equity (~$132M in 2025) provide durable financial flexibility for an asset manager. This lowers refinancing risk, supports dividend capacity and opportunistic buying, and cushions portfolio drawdowns over a 2–6 month horizon.
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)0.16
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)1.81
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/Revenue5.19
Enterprise Value/Gross Profit13.28
Enterprise Value/Ebitda11.87
Forecast
1Y Price Target
$13.00Price Target Upside20.37% 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....
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% | ― | ― | |
| ― | $12.90M | >-0.01 | -109.09% | ― | ― | 60.78% | |
51 Neutral | $6.83M | -1.17 | -25.88% | 1.07% | 66.65% | -1497.99% | |
48 Neutral | $39.39M | -63.68 | -5.22% | 0.20% | 261.58% | -329.41% | |
46 Neutral | $7.34M | -0.16 | -1438.14% | ― | -62.09% | -99.89% | |
41 Neutral | $7.25M | -0.33 | -925.11% | ― | ― | ― |
* Financial Sector Average
PDCC
Pearl Diver Credit Company Inc.
10.90
-4.45
-28.98%
BTTC
Black Titan
1.44
-2.31
-61.60%
ATON
AlphaTON Capital
0.33
-8.55
-96.30%
RMCO
Royalty Management Holding
2.60
1.51
137.66%
CWD
CaliberCos, Inc. Class A
1.07
-9.79
-90.15%
MLCI
Mount Logan Capital Inc
4.04
-3.87
-48.92%
Pearl Diver Credit Company Inc. Corporate Events
Financial Disclosures
Pearl Diver Reports January 31, 2026 NAV Update
Neutral
Feb 18, 2026
Pearl Diver Credit Company Inc. reported that its management’s unaudited net asset value per share of common stock stood at $13.73 as of January 31, 2026. This NAV figure provides investors with an updated snapshot of the company’s per...
Financial Disclosures
Pearl Diver Credit Reports Year-End 2025 NAV Update
Neutral
Jan 13, 2026
Pearl Diver Credit Company Inc. reported that its management’s unaudited net asset value per share of common stock was $14.41 as of December 31, 2025, providing investors with an updated measure of the company’s per‑share value a...
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.
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