OXLC

BEARISH

$10.26 Live

Oxford Lane Capital Corp. · NASDAQ

Target $16.0 (+55.9%)

$8.01 52W Range $24.9

OXLC Oxford Lane Capital Corp. - Fundamental Analysis

BEARISH

Console Chart News

OXLC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Asset Management

Current Price Live

$10.26

Analyst Target

$16.0

+55.9% Upside

52W High

$24.9

52W Low

$8.01

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 16, 2026

Market cap

$1.0B

P/E

23.32

ROE

0.2%

Profit margin

0.8%

Debt/Equity

0.38

Dividend yield

23.39%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

OXLC presents a classic 'yield trap' profile, characterized by a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. While the stock trades at a significant discount to book value (P/B 0.53) and below its Graham Number ($13.78), these value metrics are overshadowed by a catastrophic payout ratio of 1215.91% and a 77.9% YoY collapse in earnings. The technical trend is completely bearish (0/100), and the massive dividend yield is unsustainable given the current earnings trajectory.

Key Strengths

Significant discount to book value (P/B 0.53)

Strong year-over-year revenue growth of 29.50%

Current price is below the Graham Number defensive fair value

High ROA (9.09%) relative to sector averages

Strong operating margin of 72.75%

Key Risks

Unsustainable dividend payout ratio (1215.91%)

Severe earnings contraction (-77.9% YoY)

Poor liquidity indicated by a current ratio of 0.61

Strongly bearish technical trend (0/100)

Significant negative price momentum over 1Y (-37.4%)

AI Fair Value Estimate

Based on comprehensive analysis

$6.5

-36.6% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Yield Trap

Key drivers: Unsustainable dividend payout, Earnings collapse, Bearish technicals, Low book value

Confidence

90%

Value

55/100

Ref P/E 23.32, Graham Number $13.78

Positives

P/B of 0.53
Price below Graham Number

Watchpoints

High P/E relative to earnings growth
Intrinsic value formula suggests $3.08

Future

25/100

Ref Growth rates

Positives

Revenue growth is positive

Watchpoints

Earnings growth -77.9%
Q/Q earnings growth -68.2%

Past

20/100

Ref Historical trends

Positives

Historical ability to beat estimates in 2023-2024

Watchpoints

1Y return -37.4%
3Y return -20.0%

Health

45/100

Ref Piotroski F-Score

Positives

Piotroski F-Score 4/9 (Stable)

Watchpoints

Current ratio 0.61
Lack of Altman Z-Score data

Dividend

10/100

Ref Yield, Payout

Positives

Extremely high yield (23.39%)

Watchpoints

Payout ratio 1215.91% is mathematically unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$10.26

Analyst Target

$16.0

Upside/Downside

+55.9%

Multi-Horizon Performance vs Peers

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

Updated 2026-04-15

Company	5Y	3Y	1Y	6M	1M	1W
OXLC Oxford Lane Capital Corp. Primary	-16.7%	-20.0%	-37.4%	-22.1%	+26.0%	+4.0%
BBN BlackRock Taxable Municipal Bond Trust Peer	-13.7%	+11.9%	+7.6%	+6.2%	-2.6%	-0.8%
ESQ Esquire Financial Holdings, Inc. Peer	+419.6%	+227.2%	+53.9%	+11.0%	+16.5%	+5.9%
BTZ BlackRock Credit Allocation Income Trust Peer	+10.0%	+27.0%	+9.4%	+0.8%	-1.4%	-0.1%
HBT HBT Financial, Inc. Peer	+97.2%	+65.3%	+37.0%	+22.5%	+8.9%	+3.0%

OXL

Oxford Lane Capital Corp.

Primary

-16.7%

-20.0%

-37.4%

-22.1%

+26.0%

+4.0%

BBN

BlackRock Taxable Municipal Bond Trust

Peer

-13.7%

+11.9%

+7.6%

+6.2%

-2.6%

-0.8%

ESQ

Esquire Financial Holdings, Inc.

Peer

+419.6%

+227.2%

+53.9%

+11.0%

+16.5%

+5.9%

BTZ

BlackRock Credit Allocation Income Trust

Peer

+10.0%

+27.0%

+9.4%

+0.8%

-1.4%

-0.1%

HBT

HBT Financial, Inc.

Peer

+97.2%

+65.3%

+37.0%

+22.5%

+8.9%

+3.0%

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

23.32

2.31

N/A

0.53

2.05

3.44

N/A

$1.0B

Profitability

Profit margins and return metrics

Profit Margin 0.77%

Operating Margin 72.75%

Gross Margin 100.0%

ROE 0.22%

ROA 9.09%

Growth

Revenue and earnings growth rates

Revenue Growth +29.5%

Earnings Growth -77.9%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth -68.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.38

Low debt

Current Ratio

0.61

Weak

Quick Ratio

0.61

Poor

Cash/Share

$0.2

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q3 2025

Total Assets

$2.6B

Liabilities

$0.8B

Equity

$1.9B

Debt/Equity

0.42x

Quarterly Earnings History

EPS performance vs analyst estimates

2025-07-23

$1.2

-7.7% surprise

2025-05-20

$1.13

-22.1% surprise

2025-01-27

$1.4

2024-07-26

$2.05

+46.4% surprise

Financial Services Sector Comparison

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

P/E Ratio

23.32

This Stock

45.14

Sector Avg

-48.3% (Discount)

Return on Equity (ROE)

0.22%

This Stock

-0.0%

Sector Avg

-5138.5% (Below Avg)

Profit Margin

0.77%

This Stock

48.63%

Sector Avg

-98.4% (Weaker)

Debt to Equity

0.38

This Stock

1.45

Sector Avg

-73.9% (Less Debt)

Revenue Growth

29.5%

This Stock

36.71%

Sector Avg

-19.6% (Slower)

Current Ratio

0.61

This Stock

3.31

Sector Avg

-81.7% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
OXLC Oxford Lane Capital Corp.	BEARISH	$1.0B	23.32	0.2%	0.8%	$10.26
BBN BlackRock Taxable...	BEARISH	$1.0B	19.11	-%	-%	$16.24	Compare
ESQ Esquire Financial Holdings, Inc.	BULLISH	$992.97M	18.97	19.3%	37.1%	$114.97	Compare
BTZ BlackRock Credit...	NEUTRAL	$986.44M	9.61	9.8%	99.8%	$10.57	Compare
HBT HBT Financial, Inc.	NEUTRAL	$1.03B	11.58	13.3%	32.9%	$28.25	Compare

OXLC Oxford Lane Capital Corp.

BEARISH

Mkt Cap

$1.0B

P/E

23.3

ROE

0.2%

Price

$10.26

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Past News Coverage

Recent headlines mentioning OXLC from our newsroom.

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OXLC

OXLC Oxford Lane Capital Corp. - 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

Past News Coverage

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