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

NASDAQ:OCCIN - Nasdaq - US67111Q4047 - Currency: USD

24.1  +0.1 (+0.42%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to OCCIN. OCCIN was compared to 232 industry peers in the Capital Markets industry. OCCIN has an average financial health and profitability rating. OCCIN is valued quite expensively, but it does show have an excellent growth rating. 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.
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 10.55%. This is amongst the best in the industry. OCCIN outperforms 87.93% of its industry peers.
OCCIN has a better Return On Equity (17.09%) than 81.03% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.60%, OCCIN belongs to the top 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

Looking at the Profit Margin, with a value of 52.43%, OCCIN belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
OCCIN's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 53.43%, OCCIN belongs to the top of the industry, outperforming 89.22% of the companies in the same industry.
In the last couple of years the Operating Margin of OCCIN has grown nicely.
OCCIN's Gross Margin of 56.19% is fine compared to the rest 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

An Altman-Z score of 3.64 indicates that OCCIN is not in any danger for bankruptcy at the moment.
OCCIN has a better Altman-Z score (3.64) than 79.74% of its industry peers.
OCCIN has a Debt/Equity ratio of 0.60. This is a neutral value indicating OCCIN is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.60, OCCIN is doing good in the industry, outperforming 64.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF N/A
Altman-Z 3.64
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 8.94 indicates that OCCIN has no problem at all paying its short term obligations.
OCCIN has a better Current ratio (8.94) than 91.38% of its industry peers.
OCCIN has a Quick Ratio of 8.94. 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 8.94, OCCIN belongs to the top 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

The earnings per share for OCCIN have decreased strongly by -47.93% in the last year.
The earnings per share for OCCIN have been decreasing by -18.80% on average. This is quite bad
OCCIN shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.74%.
OCCIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.73% yearly.
EPS 1Y (TTM)-47.93%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%-61.36%
Revenue 1Y (TTM)28.74%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%35.49%

3.2 Future

The Earnings Per Share is expected to decrease by -1.27% on average over the next years.
The Revenue is expected to grow by 44.34% on average over the next years. This is a very strong growth
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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

1

4. Valuation

4.1 Price/Earnings Ratio

OCCIN is valuated quite expensively with a Price/Earnings ratio of 38.25.
Compared to the rest of the industry, the Price/Earnings ratio of OCCIN indicates a slightly more expensive valuation: OCCIN is more expensive than 75.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. OCCIN is valued slightly more expensive when compared to this.
A Price/Forward Earnings ratio of 27.47 indicates a quite expensive valuation of OCCIN.
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.
The average S&P500 Price/Forward Earnings ratio is at 22.39. OCCIN is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 38.25
Fwd PE 27.47
OCCIN Price Earnings VS Forward Price EarningsOCCIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
The decent profitability rating of OCCIN may justify a higher PE ratio.
PEG (NY)5.86
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.
Compared to an average S&P500 Dividend Yield of 2.39, OCCIN pays a better dividend.
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 (6/10/2025, 8:00:02 PM)

24.1

+0.1 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)06-09 2025-06-09
Earnings (Next)09-11 2025-09-11
Inst Owners3.97%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap498.87M
Analysts85
Price Target26.91 (11.66%)
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 38.25
Fwd PE 27.47
P/S 10.3
P/FCF N/A
P/OCF N/A
P/B 3.36
P/tB 3.36
EV/EBITDA N/A
EPS(TTM)0.63
EY2.61%
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)5.86
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 3.64
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)-47.93%
EPS 3Y-38.19%
EPS 5Y-18.8%
EPS Q2Q%-61.36%
EPS Next Y6.53%
EPS Next 2Y-1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)28.74%
Revenue growth 3Y27.93%
Revenue growth 5Y29.73%
Sales Q2Q%35.49%
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