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OFS CREDIT COMPANY - OCCI 5 1/4 12/31/26 (OCCIN) Stock Fundamental Analysis

USA - NASDAQ:OCCIN - US67111Q4047

24.26 USD
-0.16 (-0.64%)
Last: 9/22/2025, 8:52:49 PM
Fundamental Rating

5

OCCIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 236 industry peers in the Capital Markets industry. OCCIN has only an average score on both its financial health and profitability. OCCIN is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

In the past year OCCIN was profitable.
In the past year OCCIN has reported a negative cash flow from operations.
In multiple years OCCIN reported negative net income over the last 5 years.
In the past 5 years OCCIN reported 4 times negative operating cash flow.
OCCIN Yearly Net Income VS EBIT VS OCF VS FCFOCCIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M -60M

1.2 Ratios

OCCIN has a Return On Assets of 2.59%. This is comparable to the rest of the industry: OCCIN outperforms 47.88% of its industry peers.
OCCIN's Return On Equity of 4.49% is on the low side compared to the rest of the industry. OCCIN is outperformed by 63.14% of its industry peers.
OCCIN has a better Return On Invested Capital (7.97%) than 81.78% of its industry peers.
Industry RankSector Rank
ROA 2.59%
ROE 4.49%
ROIC 7.97%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OCCIN Yearly ROA, ROE, ROICOCCIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

OCCIN has a Profit Margin (13.36%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of OCCIN has declined.
OCCIN's Operating Margin of 51.39% is amongst the best of the industry. OCCIN outperforms 86.86% of its industry peers.
OCCIN's Operating Margin has improved in the last couple of years.
OCCIN has a Gross Margin of 53.73%. This is in the better half of the industry: OCCIN outperforms 63.98% of its industry peers.
In the last couple of years the Gross Margin of OCCIN has grown nicely.
Industry RankSector Rank
OM 51.39%
PM (TTM) 13.36%
GM 53.73%
OM growth 3Y8.62%
OM growth 5Y1.85%
PM growth 3Y-29.31%
PM growth 5YN/A
GM growth 3Y6.68%
GM growth 5Y1.56%
OCCIN Yearly Profit, Operating, Gross MarginsOCCIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100

6

2. Health

2.1 Basic Checks

There is no outstanding debt for OCCIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
OCCIN Yearly Shares OutstandingOCCIN Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 5M 10M 15M
OCCIN Yearly Total Debt VS Total AssetsOCCIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 50M 100M 150M

2.2 Solvency

OCCIN has an Altman-Z score of 3.70. This indicates that OCCIN is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.70, OCCIN belongs to the best of the industry, outperforming 80.51% of the companies in the same industry.
OCCIN has a Debt/Equity ratio of 0.71. This is a neutral value indicating OCCIN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.71, OCCIN is in the better half of the industry, outperforming 62.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF N/A
Altman-Z 3.7
ROIC/WACCN/A
WACCN/A
OCCIN Yearly LT Debt VS Equity VS FCFOCCIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

2.3 Liquidity

A Current Ratio of 8.25 indicates that OCCIN has no problem at all paying its short term obligations.
OCCIN's Current ratio of 8.25 is amongst the best of the industry. OCCIN outperforms 91.95% of its industry peers.
OCCIN has a Quick Ratio of 8.25. This indicates that OCCIN is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 8.25, OCCIN belongs to the top of the industry, outperforming 91.95% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 8.25
Quick Ratio 8.25
OCCIN Yearly Current Assets VS Current LiabilitesOCCIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 5M 10M 15M

7

3. Growth

3.1 Past

OCCIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -68.00%.
Measured over the past years, OCCIN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.80% on average per year.
Looking at the last year, OCCIN shows a quite strong growth in Revenue. The Revenue has grown by 19.64% in the last year.
The Revenue has been growing by 29.73% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-68%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%31.82%
Revenue 1Y (TTM)19.64%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%59.37%

3.2 Future

The Earnings Per Share is expected to grow by 0.71% on average over the next years.
The Revenue is expected to grow by 38.13% on average over the next years. This is a very strong growth
EPS Next Y0.3%
EPS Next 2Y0.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year39.6%
Revenue Next 2Y38.13%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
OCCIN Yearly Revenue VS EstimatesOCCIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
OCCIN Yearly EPS VS EstimatesOCCIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2021 2022 2023 2024 2025 2026 0 1 2 3

0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 101.08, which means the current valuation is very expensive for OCCIN.
Based on the Price/Earnings ratio, OCCIN is valued a bit more expensive than the industry average as 79.24% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.41, OCCIN is valued quite expensively.
With a Price/Forward Earnings ratio of 26.57, OCCIN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, OCCIN is valued a bit more expensive than the industry average as 66.95% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, OCCIN is valued at the same level.
Industry RankSector Rank
PE 101.08
Fwd PE 26.57
OCCIN Price Earnings VS Forward Price EarningsOCCIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OCCIN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)336.94
PEG (5Y)N/A
EPS Next 2Y0.71%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

OCCIN has a Yearly Dividend Yield of 36.07%, which is a nice return.
Compared to an average industry Dividend Yield of 8.21, OCCIN pays a better dividend. On top of this OCCIN pays more dividend than 99.58% of the companies listed in the same industry.
OCCIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 36.07%

5.2 History

OCCIN has been paying a dividend for over 5 years, so it has already some track record.
OCCIN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
OCCIN Yearly Dividends per shareOCCIN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

OCCIN pays out 336.07% of its income as dividend. This is not a sustainable payout ratio.
DP336.07%
EPS Next 2Y0.71%
EPS Next 3YN/A
OCCIN Yearly Income VS Free CF VS DividendOCCIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M -60M
OCCIN Dividend Payout.OCCIN Dividend Payout, showing the Payout Ratio.OCCIN Dividend Payout.PayoutRetained Earnings

OFS CREDIT COMPANY - OCCI 5 1/4 12/31/26

NASDAQ:OCCIN (9/22/2025, 8:52:49 PM)

24.26

-0.16 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)09-12 2025-09-12/bmo
Earnings (Next)12-09 2025-12-09
Inst Owners3.44%
Inst Owner ChangeN/A
Ins Owners0.3%
Ins Owner ChangeN/A
Market Cap665.45M
Analysts85
Price Target29.02 (19.62%)
Short Float %0%
Short Ratio0.04
Dividend
Industry RankSector Rank
Dividend Yield 36.07%
Yearly Dividend0.39
Dividend Growth(5Y)N/A
DP336.07%
Div Incr Years0
Div Non Decr Years3
Ex-Date12-12 2025-12-12 (0.109375)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-168.06%
Min EPS beat(2)-308.59%
Max EPS beat(2)-27.54%
EPS beat(4)1
Avg EPS beat(4)-87.43%
Min EPS beat(4)-308.59%
Max EPS beat(4)12.04%
EPS beat(8)2
Avg EPS beat(8)-67%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-4.15%
Min Revenue beat(2)-11.14%
Max Revenue beat(2)2.83%
Revenue beat(4)2
Avg Revenue beat(4)-3.38%
Min Revenue beat(4)-12.2%
Max Revenue beat(4)7%
Revenue beat(8)5
Avg Revenue beat(8)2.73%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.63%
PT rev (3m)7.86%
EPS NQ rev (1m)2.22%
EPS NQ rev (3m)-4.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.85%
Revenue NQ rev (1m)-2.92%
Revenue NQ rev (3m)-5.89%
Revenue NY rev (1m)-2.97%
Revenue NY rev (3m)-5.85%
Valuation
Industry RankSector Rank
PE 101.08
Fwd PE 26.57
P/S 12.36
P/FCF N/A
P/OCF N/A
P/B 4.15
P/tB 4.15
EV/EBITDA N/A
EPS(TTM)0.24
EY0.99%
EPS(NY)0.91
Fwd EY3.76%
FCF(TTM)-3.18
FCFYN/A
OCF(TTM)-3.18
OCFYN/A
SpS1.96
BVpS5.84
TBVpS5.84
PEG (NY)336.94
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.59%
ROE 4.49%
ROCE 10.09%
ROIC 7.97%
ROICexc 8.7%
ROICexgc 8.72%
OM 51.39%
PM (TTM) 13.36%
GM 53.73%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y8.62%
OM growth 5Y1.85%
PM growth 3Y-29.31%
PM growth 5YN/A
GM growth 3Y6.68%
GM growth 5Y1.56%
F-Score2
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.58
Cash Conversion N/A
Profit Quality N/A
Current Ratio 8.25
Quick Ratio 8.25
Altman-Z 3.7
F-Score2
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)-68%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%31.82%
EPS Next Y0.3%
EPS Next 2Y0.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.64%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%59.37%
Revenue Next Year39.6%
Revenue Next 2Y38.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y3.61%
EBIT growth 3Y38.95%
EBIT growth 5Y32.13%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1682.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1682.69%
OCF growth 3YN/A
OCF growth 5YN/A