OFS CREDIT COMPANY INC (OCCI) Fundamental Analysis & Valuation

NASDAQ:OCCI • US67111Q1076

Current stock price

2.94 USD
-0.05 (-1.67%)
Last:

This OCCI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. OCCI Profitability Analysis

1.1 Basic Checks

  • OCCI had negative earnings in the past year.
  • OCCI had a negative operating cash flow in the past year.
  • In multiple years OCCI reported negative net income over the last 5 years.
  • OCCI had a negative operating cash flow in each of the past 5 years.
OCCI Yearly Net Income VS EBIT VS OCF VS FCFOCCI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M -40M -60M

1.2 Ratios

  • OCCI has a worse Return On Assets (0.67%) than 66.11% of its industry peers.
  • The Return On Equity of OCCI (1.18%) is worse than 66.53% of its industry peers.
  • The Return On Invested Capital of OCCI (9.80%) is better than 84.94% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 1.18%
ROIC 9.8%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OCCI Yearly ROA, ROE, ROICOCCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • OCCI has a Profit Margin of 2.74%. This is in the lower half of the industry: OCCI underperforms 68.62% of its industry peers.
  • Looking at the Operating Margin, with a value of 50.24%, OCCI belongs to the top of the industry, outperforming 91.21% of the companies in the same industry.
  • In the last couple of years the Operating Margin of OCCI has grown nicely.
  • OCCI's Gross Margin of 53.28% is fine compared to the rest of the industry. OCCI outperforms 61.92% of its industry peers.
  • OCCI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 50.24%
PM (TTM) 2.74%
GM 53.28%
OM growth 3Y1.53%
OM growth 5Y2.45%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.01%
GM growth 5Y0.58%
OCCI Yearly Profit, Operating, Gross MarginsOCCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 100

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4

2. OCCI Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for OCCI has been increased compared to 5 years ago.
OCCI Yearly Shares OutstandingOCCI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2025 5M 10M 15M 20M 25M
OCCI Yearly Total Debt VS Total AssetsOCCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2025 50M 100M 150M 200M 250M

2.2 Solvency

  • OCCI has an Altman-Z score of 0.78. This is a bad value and indicates that OCCI is not financially healthy and even has some risk of bankruptcy.
  • OCCI has a Altman-Z score of 0.78. This is comparable to the rest of the industry: OCCI outperforms 51.88% of its industry peers.
  • OCCI has a Debt/Equity ratio of 0.75. This is a neutral value indicating OCCI is somewhat dependend on debt financing.
  • OCCI's Debt to Equity ratio of 0.75 is fine compared to the rest of the industry. OCCI outperforms 62.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF N/A
Altman-Z 0.78
ROIC/WACCN/A
WACCN/A
OCCI Yearly LT Debt VS Equity VS FCFOCCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

2.3 Liquidity

  • OCCI has a Current Ratio of 4.12. This indicates that OCCI is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of OCCI (4.12) is better than 85.77% of its industry peers.
  • A Quick Ratio of 4.12 indicates that OCCI has no problem at all paying its short term obligations.
  • OCCI has a Quick ratio of 4.12. This is amongst the best in the industry. OCCI outperforms 85.77% of its industry peers.
Industry RankSector Rank
Current Ratio 4.12
Quick Ratio 4.12
OCCI Yearly Current Assets VS Current LiabilitesOCCI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2025 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. OCCI Growth Analysis

3.1 Past

  • The earnings per share for OCCI have decreased strongly by -306.35% in the last year.
  • Looking at the last year, OCCI shows a very strong growth in Revenue. The Revenue has grown by 33.84%.
  • OCCI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.87% yearly.
EPS 1Y (TTM)-306.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-547.06%
Revenue 1Y (TTM)33.84%
Revenue growth 3Y18.97%
Revenue growth 5Y31.87%
Sales Q2Q%9.15%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y334.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.26%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
OCCI Yearly Revenue VS EstimatesOCCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 10M 20M 30M 40M
OCCI Yearly EPS VS EstimatesOCCI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 1 2 3

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4

4. OCCI Valuation Analysis

4.1 Price/Earnings Ratio

  • OCCI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 3.39 indicates a rather cheap valuation of OCCI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OCCI indicates a rather cheap valuation: OCCI is cheaper than 97.07% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of OCCI to the average of the S&P500 Index (23.54), we can say OCCI is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 3.39
OCCI Price Earnings VS Forward Price EarningsOCCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
OCCI Per share dataOCCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

  • OCCI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. OCCI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 36.07%, OCCI is a good candidate for dividend investing.
  • In the last 3 months the price of OCCI has falen by -41.32%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • OCCI's Dividend Yield is rather good when compared to the industry average which is at 6.89. OCCI pays more dividend than 98.74% of the companies in the same industry.
  • OCCI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 36.07%

5.2 History

  • OCCI has been paying a dividend for over 5 years, so it has already some track record.
  • OCCI has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
OCCI Yearly Dividends per shareOCCI Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • OCCI pays out 1712.71% of its income as dividend. This is not a sustainable payout ratio.
DP1712.71%
EPS Next 2YN/A
EPS Next 3YN/A
OCCI Yearly Income VS Free CF VS DividendOCCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M -40M -60M
OCCI Dividend Payout.OCCI Dividend Payout, showing the Payout Ratio.OCCI Dividend Payout.PayoutRetained Earnings

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OCCI Fundamentals: All Metrics, Ratios and Statistics

OFS CREDIT COMPANY INC

NASDAQ:OCCI (4/10/2026, 8:00:01 PM)

2.94

-0.05 (-1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-05
Earnings (Next)06-08
Inst Owners6.2%
Inst Owner Change0%
Ins Owners0.3%
Ins Owner Change0%
Market Cap82.41M
Revenue(TTM)67.01M
Net Income(TTM)1.81M
Analysts82.86
Price Target4.08 (38.78%)
Short Float %1.48%
Short Ratio0.92
Dividend
Industry RankSector Rank
Dividend Yield 36.07%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP1712.71%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-111.72%
Min EPS beat(2)-247.06%
Max EPS beat(2)23.61%
EPS beat(4)1
Avg EPS beat(4)-139.89%
Min EPS beat(4)-308.59%
Max EPS beat(4)23.61%
EPS beat(8)3
Avg EPS beat(8)-77.54%
EPS beat(12)5
Avg EPS beat(12)553.01%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.51%
Min Revenue beat(2)-9.68%
Max Revenue beat(2)-3.35%
Revenue beat(4)1
Avg Revenue beat(4)-5.33%
Min Revenue beat(4)-11.14%
Max Revenue beat(4)2.83%
Revenue beat(8)3
Avg Revenue beat(8)-2.18%
Revenue beat(12)6
Avg Revenue beat(12)-0.05%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-27.27%
PT rev (3m)-27.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-6.55%
Revenue NY rev (3m)-26.64%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 3.39
P/S 1.25
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)-1.3
EYN/A
EPS(NY)0.87
Fwd EY29.49%
FCF(TTM)-1.78
FCFYN/A
OCF(TTM)-1.78
OCFYN/A
SpS2.36
BVpS5.46
TBVpS5.46
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 1.18%
ROCE 12.41%
ROIC 9.8%
ROICexc 10.32%
ROICexgc 10.34%
OM 50.24%
PM (TTM) 2.74%
GM 53.28%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-1.75%
ROICexgc growth 5Y-1.33%
ROICexc growth 3Y-1.73%
ROICexc growth 5Y-1.23%
OM growth 3Y1.53%
OM growth 5Y2.45%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.01%
GM growth 5Y0.58%
F-ScoreN/A
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.78
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.12
Quick Ratio 4.12
Altman-Z 0.78
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-306.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-547.06%
EPS Next Y334.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.84%
Revenue growth 3Y18.97%
Revenue growth 5Y31.87%
Sales Q2Q%9.15%
Revenue Next Year0.26%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y28.26%
EBIT growth 3Y20.79%
EBIT growth 5Y35.1%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-63.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-63.66%
OCF growth 3YN/A
OCF growth 5YN/A

OFS CREDIT COMPANY INC / OCCI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for OFS CREDIT COMPANY INC?

ChartMill assigns a fundamental rating of 4 / 10 to OCCI.


What is the valuation status of OFS CREDIT COMPANY INC (OCCI) stock?

ChartMill assigns a valuation rating of 4 / 10 to OFS CREDIT COMPANY INC (OCCI). This can be considered as Fairly Valued.


How profitable is OFS CREDIT COMPANY INC (OCCI) stock?

OFS CREDIT COMPANY INC (OCCI) has a profitability rating of 3 / 10.


How sustainable is the dividend of OFS CREDIT COMPANY INC (OCCI) stock?

The dividend rating of OFS CREDIT COMPANY INC (OCCI) is 5 / 10 and the dividend payout ratio is 1712.71%.