OCCI

BEARISH

$2.98 Live

OFS Credit Company, Inc. · NASDAQ

Target $4.0 (+34.2%)

$2.62 52W Range $6.82

OCCI OFS Credit Company, Inc. - Fundamental Analysis

BEARISH

Console Chart News

OCCI Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Asset Management

Current Price Live

$2.98

Analyst Target

$4.0

+34.2% Upside

52W High

$6.82

52W Low

$2.62

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 16, 2026

Market cap

$86.68M

P/E

N/A

ROE

-24.3%

Profit margin

-78.6%

Debt/Equity

0.9

Dividend yield

41.25%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

OCCI exhibits significant financial instability, highlighted by a weak Piotroski F-Score of 3/9 and a catastrophic dividend payout ratio of 964.29%. While the stock appears cheap on a Price-to-Book (0.68) and Forward P/E (1.99) basis, these metrics are likely value traps given the negative ROE (-24.34%) and a persistent bearish technical trend. The company is currently paying out dividends far in excess of its earnings, which is unsustainable and suggests a looming dividend cut. Despite a positive ROA, the overall fundamental health is poor, and the price action confirms a long-term decline.

Key Strengths

Low Price-to-Book ratio (0.68) suggesting potential asset undervaluation

Strong liquidity with a Current Ratio of 2.62

Positive Return on Assets (ROA) of 7.76%

Modest year-over-year revenue growth of 9.20%

Extremely low Forward P/E ratio of 1.99

Key Risks

Unsustainable dividend yield (41.25%) with a payout ratio exceeding 900%

Weak fundamental health indicated by a Piotroski F-Score of 3/9

Negative Return on Equity (ROE) of -24.34%

Consistent failure to meet earnings estimates (only 1 beat in last 4 quarters)

Severe long-term price erosion (-45.3% over 5 years)

AI Fair Value Estimate

Based on comprehensive analysis

$3.45

+15.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Value Trap

Key drivers: Unsustainable dividend policy, Weak Piotroski health score, Bearish technical momentum, Negative net profit margins

Confidence

90%

Value

55/100

Trades at a discount to book value, but earnings quality is poor.

Positives

P/B below 1.0
Very low Forward P/E

Watchpoints

Negative profit margins
Lack of Graham Number/Intrinsic Value data

Future

40/100

Growth is modest and inconsistent with analyst expectations.

Positives

Positive YoY EPS growth (10.3%)

Watchpoints

Recent trend of earnings misses
Low revenue growth relative to sector average

Past

20/100

Long-term trend is aggressively bearish.

Positives

Historical ability to generate some EPS

Watchpoints

Consistent price decline over 1, 3, and 5-year horizons

Health

30/100

Liquidity is present, but operational health is deteriorating.

Positives

Healthy Current and Quick ratios

Watchpoints

Piotroski F-Score of 3/9 (Weak)
Negative ROE

Dividend

10/100

Classic dividend trap; payout exceeds earnings by nearly 10x.

Positives

High nominal yield

Watchpoints

Payout ratio of 964.29% is mathematically unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$2.98

Analyst Target

$4.0

Upside/Downside

+34.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OCCI and closest competitors.

Updated 2026-04-15

Company	5Y	3Y	1Y	6M	1M	1W
OCCI OFS Credit Company, Inc. Primary	-45.3%	-39.5%	-41.6%	-34.7%	+5.7%	+1.7%
KG Kestrel Group Ltd Peer	-84.2%	-75.1%	-37.8%	-55.8%	-1.0%	+2.2%
PBHC Pathfinder Bancorp, Inc. Peer	+1.9%	-6.4%	-10.1%	-10.2%	+2.8%	+0.4%
FNWB First Northwest Bancorp Peer	-35.1%	-13.1%	-3.6%	+25.1%	+7.4%	+8.0%
IROQ IF Bancorp Inc Peer	+30.7%	+81.2%	+10.9%	+4.7%	-4.2%	-4.3%

OCC

OFS Credit Company, Inc.

Primary

-45.3%

-39.5%

-41.6%

-34.7%

+5.7%

+1.7%

Kestrel Group Ltd

Peer

-84.2%

-75.1%

-37.8%

-55.8%

-1.0%

+2.2%

PBH

Pathfinder Bancorp, Inc.

Peer

+1.9%

-6.4%

-10.1%

-10.2%

+2.8%

+0.4%

FNW

First Northwest Bancorp

Peer

-35.1%

-13.1%

-3.6%

+25.1%

+7.4%

+8.0%

IRO

IF Bancorp Inc

Peer

+30.7%

+81.2%

+10.9%

+4.7%

-4.2%

-4.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

1.99

N/A

0.68

1.92

4.3

N/A

$86.68M

Profitability

Profit margins and return metrics

Profit Margin -78.56%

Operating Margin 69.63%

Gross Margin 100.0%

ROE -24.34%

ROA 7.76%

Growth

Revenue and earnings growth rates

Revenue Growth +9.2%

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.9

Moderate

Current Ratio

2.62

Strong

Quick Ratio

2.62

Excellent

Cash/Share

$0.24

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Total Assets

$0.3B

Liabilities

$0.1B

Equity

$0.2B

Debt/Equity

0.77x

Quarterly Earnings History

EPS performance vs analyst estimates

2025-12-10

$0.32

-11.1% surprise

2025-09-15

$0.22

-2.2% surprise

2025-06-10

$0.21

-12.5% surprise

2025-03-10

$0.23

+4.5% surprise

Financial Services Sector Comparison

Comparing OCCI against 500 companies in the Financial Services sector (90 bullish, 207 neutral, 203 bearish)

Return on Equity (ROE)

-24.34%

This Stock

-0.0%

Sector Avg

+567637.6% (Excellent)

Profit Margin

-78.56%

This Stock

48.63%

Sector Avg

-261.6% (Weaker)

Debt to Equity

0.9

This Stock

1.45

Sector Avg

-37.8% (Less Debt)

Revenue Growth

9.2%

This Stock

36.71%

Sector Avg

-74.9% (Slower)

Current Ratio

2.62

This Stock

3.31

Sector Avg

-21.0% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
OCCI OFS Credit Company, Inc.	BEARISH	$86.68M	-	-24.3%	-78.6%	$2.98
KG Kestrel Group Ltd	BEARISH	$87.64M	1.32	74.6%	137.2%	$11.32	Compare
PBHC Pathfinder Bancorp, Inc.	BEARISH	$84.9M	-	-1.6%	-6.3%	$13.57	Compare
FNWB First Northwest Bancorp	BEARISH	$88.93M	-	-2.7%	-6.9%	$9.91	Compare
IROQ IF Bancorp Inc	NEUTRAL	$88.98M	16.19	6.3%	18.1%	$26.55	Compare

OCCI OFS Credit Company, Inc.

BEARISH

Mkt Cap

$87M

P/E

ROE

-24.3%

Price

$2.98

Compare with OCCI

Compare with OCCI

FNWB First Northwest Bancorp

Compare with OCCI

Compare with OCCI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-13	FITTA CATHERINE MARY	Director	Purchase	2,200	$6,666

FITTA CATHERINE MARY

Director

Buy

2026-04-13

2,200 shares · $6,666

Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning OCCI from our newsroom.

Newest → oldest

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OCCI

OCCI OFS Credit Company, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Past News Coverage

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