OCCIO Fundamental Analysis - OFS CREDIT COMPANY - OCCI 6 1/8 04/30/26

Fundamental Rating

Overall OCCIO gets a fundamental rating of 4 out of 10. We evaluated OCCIO against 237 industry peers in the Capital Markets industry. OCCIO has an average financial health and profitability rating. OCCIO shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

OCCIO had positive earnings in the past year.

OCCIO had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: OCCIO reported negative net income in multiple years.

OCCIO had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of OCCIO (2.59%) is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 4.49%, OCCIO is doing worse than 64.56% of the companies in the same industry.

With an excellent Return On Invested Capital value of 7.97%, OCCIO belongs to the best of the industry, outperforming 81.43% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 13.36%, OCCIO is in line with its industry, outperforming 46.84% of the companies in the same industry.

In the last couple of years the Profit Margin of OCCIO has declined.

The Operating Margin of OCCIO (51.39%) is better than 86.92% of its industry peers.

OCCIO's Operating Margin has improved in the last couple of years.

OCCIO's Gross Margin of 53.73% is fine compared to the rest of the industry. OCCIO outperforms 63.71% of its industry peers.

In the last couple of years the Gross Margin of OCCIO has grown nicely.

		Industry Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

There is no outstanding debt for OCCIO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

OCCIO has an Altman-Z score of 3.77. This indicates that OCCIO is financially healthy and has little risk of bankruptcy at the moment.

The Altman-Z score of OCCIO (3.77) is better than 79.75% of its industry peers.

A Debt/Equity ratio of 0.71 indicates that OCCIO is somewhat dependend on debt financing.

OCCIO has a Debt to Equity ratio (0.71) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.71
Debt/FCF	N/A
Altman-Z	3.77

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

OCCIO has a Current Ratio of 8.25. This indicates that OCCIO is financially healthy and has no problem in meeting its short term obligations.

OCCIO's Current ratio of 8.25 is amongst the best of the industry. OCCIO outperforms 90.72% of its industry peers.

A Quick Ratio of 8.25 indicates that OCCIO has no problem at all paying its short term obligations.

The Quick ratio of OCCIO (8.25) is better than 90.72% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	8.25
Quick Ratio	8.25

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OCCIO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -68.00%.

The earnings per share for OCCIO have been decreasing by -18.80% on average. This is quite bad

Looking at the last year, OCCIO 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 2.66% 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 Y2%

EPS Next 2Y2.66%

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 103.83, the valuation of OCCIO can be described as expensive.

Compared to the rest of the industry, the Price/Earnings ratio of OCCIO indicates a slightly more expensive valuation: OCCIO is more expensive than 79.75% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.50, OCCIO is valued quite expensively.

A Price/Forward Earnings ratio of 26.27 indicates a quite expensive valuation of OCCIO.

Based on the Price/Forward Earnings ratio, OCCIO is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.

OCCIO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.99.

		Industry Rank	Sector Rank
PE	103.83
Fwd PE	26.27

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OCCIO does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)51.92

PEG (5Y)N/A

EPS Next 2Y2.66%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OCCIO has a Yearly Dividend Yield of 36.07%, which is a nice return.

OCCIO's Dividend Yield is rather good when compared to the industry average which is at 8.33. OCCIO pays more dividend than 100.00% of the companies in the same industry.

OCCIO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	36.07%

5.2 History

OCCIO has been paying a dividend for over 5 years, so it has already some track record.

OCCIO has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

336.07% of the earnings are spent on dividend by OCCIO. This is not a sustainable payout ratio.

DP336.07%

EPS Next 2Y2.66%

EPS Next 3YN/A

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OFS CREDIT COMPANY - OCCI 6 1/8 04/30/26

NASDAQ:OCCIO (10/14/2025, 8:04:49 PM)

24.92

0 (0%)

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 Owners4.21%

Inst Owner ChangeN/A

Ins Owners0.3%

Ins Owner ChangeN/A

Market Cap683.56M

Analysts85

Price Target34.41 (38.08%)

Short Float %0.03%

Short Ratio2.16

Dividend

		Industry Rank	Sector 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 (0.1276042)

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)6.83%

PT rev (3m)19.72%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.22%

EPS NY rev (1m)1.69%

EPS NY rev (3m)-4.26%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.92%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-5.85%

Valuation

		Industry Rank	Sector Rank
PE	103.83
Fwd PE	26.27
P/S	12.69
P/FCF	N/A
P/OCF	N/A
P/B	4.26
P/tB	4.26
EV/EBITDA	N/A

EPS(TTM)0.24

EY0.96%

EPS(NY)0.95

Fwd EY3.81%

FCF(TTM)-3.18

FCFYN/A

OCF(TTM)-3.18

OCFYN/A

SpS1.96

BVpS5.84

TBVpS5.84

PEG (NY)51.92

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	3.77

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 Y2%

EPS Next 2Y2.66%

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

OFS CREDIT COMPANY - OCCI 6 1/8 04/30/26 (OCCIO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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