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

NASDAQ:OCCIN - Nasdaq - US67111Q4047 - Currency: USD

24.08  -0.02 (-0.08%)

Fundamental Rating

5

OCCIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 232 industry peers in the Capital Markets industry. OCCIN has an average financial health and profitability rating. OCCIN is valued quite expensive, but it does show an excellent growth. This makes OCCIN very considerable for growth investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year OCCIN was profitable.
OCCIN had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: OCCIN reported negative net income in multiple years.
OCCIN had negative operating cash flow in 4 of the past 5 years.
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's Return On Assets of 10.55% is amongst the best of the industry. OCCIN outperforms 87.93% of its industry peers.
OCCIN has a Return On Equity of 17.09%. This is amongst the best in the industry. OCCIN outperforms 81.03% of its industry peers.
With an excellent Return On Invested Capital value of 8.60%, OCCIN belongs to the best of the industry, outperforming 81.90% of the companies in the same industry.
Industry RankSector Rank
ROA 10.55%
ROE 17.09%
ROIC 8.6%
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 of 52.43%. This is amongst the best in the industry. OCCIN outperforms 93.10% of its industry peers.
In the last couple of years the Profit Margin of OCCIN has declined.
OCCIN has a better Operating Margin (53.43%) than 89.22% of its industry peers.
In the last couple of years the Operating Margin of OCCIN has grown nicely.
OCCIN has a Gross Margin of 56.19%. This is in the better half of the industry: OCCIN outperforms 65.09% of its industry peers.
OCCIN's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 53.43%
PM (TTM) 52.43%
GM 56.19%
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

OCCIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 3.65. This indicates that OCCIN is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.65, OCCIN is in the better half of the industry, outperforming 79.74% of the companies in the same industry.
OCCIN has a Debt/Equity ratio of 0.60. This is a neutral value indicating OCCIN is somewhat dependend on debt financing.
The Debt to Equity ratio of OCCIN (0.60) is better than 64.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF N/A
Altman-Z 3.65
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

OCCIN has a Current Ratio of 8.94. This indicates that OCCIN is financially healthy and has no problem in meeting its short term obligations.
OCCIN has a Current ratio of 8.94. This is amongst the best in the industry. OCCIN outperforms 91.38% of its industry peers.
A Quick Ratio of 8.94 indicates that OCCIN has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 8.94, OCCIN belongs to the best of the industry, outperforming 91.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 8.94
Quick Ratio 8.94
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 growth in Earnings Per Share. In the last year, the EPS has been growing by 79.31%, which is quite impressive.
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.
The Revenue has been growing slightly by 6.05% in the past year.
Measured over the past years, OCCIN shows a very strong growth in Revenue. The Revenue has been growing by 29.73% on average per year.
EPS 1Y (TTM)79.31%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%1025%
Revenue 1Y (TTM)6.05%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%26.84%

3.2 Future

The Earnings Per Share is expected to decrease by -1.27% on average over the next years.
OCCIN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 44.34% yearly.
EPS Next Y6.53%
EPS Next 2Y-1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year48.28%
Revenue Next 2Y44.34%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 23.15, OCCIN is valued on the expensive side.
Based on the Price/Earnings ratio, OCCIN is valued a bit more expensive than 62.07% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. OCCIN is around the same levels.
With a Price/Forward Earnings ratio of 27.45, OCCIN can be considered very expensive at the moment.
OCCIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. OCCIN is more expensive than 65.52% of the companies in the same industry.
OCCIN is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.40, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.15
Fwd PE 27.45
OCCIN Price Earnings VS Forward Price EarningsOCCIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 4 6

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.
OCCIN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.54
PEG (5Y)N/A
EPS Next 2Y-1.27%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

OCCIN has a Yearly Dividend Yield of 36.07%, which is a nice return.
OCCIN's Dividend Yield is rather good when compared to the industry average which is at 8.22. OCCIN pays more dividend than 98.71% of the companies in the same industry.
OCCIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
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 74.84% of its income as dividend. This is not a sustainable payout ratio.
DP74.84%
EPS Next 2Y-1.27%
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 (6/12/2025, 11:28:51 AM)

24.08

-0.02 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)06-10 2025-06-10/bmo
Earnings (Next)09-11 2025-09-11
Inst Owners3.97%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap498.46M
Analysts85
Price Target26.91 (11.75%)
Short Float %0.01%
Short Ratio0.62
Dividend
Industry RankSector Rank
Dividend Yield 36.07%
Yearly Dividend0.39
Dividend Growth(5Y)N/A
DP74.84%
Div Incr Years0
Div Non Decr Years3
Ex-Date07-21 2025-07-21 (0.109375)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.79%
Min EPS beat(2)-25.63%
Max EPS beat(2)12.04%
EPS beat(4)2
Avg EPS beat(4)-15.18%
Min EPS beat(4)-113.07%
Max EPS beat(4)65.91%
EPS beat(8)4
Avg EPS beat(8)899.46%
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)-2.6%
Min Revenue beat(2)-12.2%
Max Revenue beat(2)7%
Revenue beat(4)2
Avg Revenue beat(4)0.96%
Min Revenue beat(4)-12.2%
Max Revenue beat(4)16.05%
Revenue beat(8)5
Avg Revenue beat(8)2.59%
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)-2.78%
PT rev (3m)4.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.4%
Valuation
Industry RankSector Rank
PE 23.15
Fwd PE 27.45
P/S 10.29
P/FCF N/A
P/OCF N/A
P/B 3.35
P/tB 3.35
EV/EBITDA N/A
EPS(TTM)1.04
EY4.32%
EPS(NY)0.88
Fwd EY3.64%
FCF(TTM)-1.48
FCFYN/A
OCF(TTM)-1.48
OCFYN/A
SpS2.34
BVpS7.18
TBVpS7.18
PEG (NY)3.54
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 10.55%
ROE 17.09%
ROCE 10.88%
ROIC 8.6%
ROICexc 9.59%
ROICexgc 9.61%
OM 53.43%
PM (TTM) 52.43%
GM 56.19%
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-Score3
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 7.13
Cash Conversion N/A
Profit Quality N/A
Current Ratio 8.94
Quick Ratio 8.94
Altman-Z 3.65
F-Score3
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)79.31%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%1025%
EPS Next Y6.53%
EPS Next 2Y-1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.05%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%26.84%
Revenue Next Year48.28%
Revenue Next 2Y44.34%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.4%
EBIT growth 3Y38.95%
EBIT growth 5Y32.13%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-29.05%
OCF growth 3YN/A
OCF growth 5YN/A