ARDC
BEARISH
$13.5
Live
Ares Dynamic Credit Allocation Fund, Inc. · NYSE
$11.52
52W Range
$15.62
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$322.28M
P/E
10.8
ROE
N/A
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
10.0%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
The Advanced Deterministic Scorecard reveals a critically weak financial health profile with a Piotroski F-Score of just 1/9, indicating severe operational and balance sheet deterioration. Despite a current price of $13.50 and a seemingly low P/E of 10.80, the lack of profitability metrics (0% margins across the board), absence of key financial ratios, and a dangerously high 110.8% payout ratio undermine sustainability. The stock trades well above its growth-approximated intrinsic value of $8.75, with no Altman Z-Score to counterbalance bankruptcy risk. Technical trend is deeply bearish (0/100), and insider sentiment is weak, further validating caution.
Key Strengths
High dividend yield of 10.00% offers attractive income potential for yield-seeking investors
P/E ratio of 10.80 is below sector average of 31.01, suggesting potential relative value
5-year price appreciation of +50.0% indicates long-term capital appreciation history
Recent short-term price momentum positive (+2.4% over 1M, +0.1% over 1W)
Market cap of $0.32B may appeal to niche investors seeking small-cap exposure
Key Risks
Piotroski F-Score of 1/9 signals extreme financial distress and high risk of continued underperformance
Dividend payout ratio of 110.8% is unsustainable, indicating dividends are being paid from capital or debt
Profit margins at 0.00% across all levels suggest no core profitability
Lack of Altman Z-Score prevents bankruptcy risk assessment, but Piotroski score implies high distress probability
Technical trend score of 0/100 indicates strong bearish momentum and potential for further downside
AI Fair Value Estimate
Based on comprehensive analysis
$8.75
-35.2% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
32
Weak
35
20
55
12
40
AI Verdict
High risk, low quality, and overvalued relative to fundamentals
Key drivers: Piotroski F-Score of 1, Dividend payout ratio >100%, Zero profitability margins, No available Altman Z-Score, Price significantly above intrinsic value
Confidence
82%
Value
35/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 10.80 below sector average of 31.01
Watchpoints
- No Price/Book, Price/Sales, or EV/EBITDA for full valuation context
- Current price ($13.50) trades at a 54% premium to intrinsic value ($8.75)
- Graham Number unavailable, limiting defensive valuation check
Future
20/100
Ref Growth rates
Positives
No standout positives identified.
Watchpoints
- No growth data available (YoY or Q/Q) for revenue or earnings
- PEG Ratio not available, preventing growth-adjusted valuation
- Zero operating and net margins suggest no earnings growth foundation
Past
55/100
Ref Historical trends
Positives
- 5-year price change of +50.0% shows long-term capital appreciation
- 3-year return of +48.4% outperforms many peers
Watchpoints
- 1-year return of -2.1% and 6-month return of -0.8% show recent underperformance
- 52-week high of $15.62 suggests ongoing downtrend from peak
Health
12/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 1/9 indicates severe financial weakness
- All profitability margins at 0.00%
- No ROE, ROA, or ROIC data available
- Debt/Equity, Current Ratio, and Quick Ratio all unavailable
- Total Cash and Total Debt not disclosed
Dividend
40/100
Ref Yield, Payout
Positives
- High dividend yield of 10.00%
Watchpoints
- Payout ratio of 110.8% is unsustainable
- Dividend strength score of 40/100 indicates weak reliability
- No ex-dividend date or 5-year yield average available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.5
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ARDC and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ARDC
Ares Dynamic Credit Allocation Fund, Inc.
Primary
|
+50.0% | +48.4% | -2.1% | -0.8% | +2.4% | +0.1% |
|
TSBK
Timberland Bancorp, Inc.
Peer
|
+71.8% | +75.8% | +38.1% | +30.0% | +5.2% | -0.8% |
|
BRBS
Blue Ridge Bankshares, Inc.
Peer
|
-69.6% | -54.2% | +28.8% | +1.3% | +4.2% | +0.3% |
|
LNKB
LINKBANCORP, Inc.
Peer
|
+33.0% | +50.7% | +35.6% | +25.5% | +4.7% | -3.5% |
|
FNLC
The First Bancorp, Inc.
Peer
|
+33.1% | +35.2% | +28.8% | +16.8% | +3.2% | -1.9% |
ARD
Ares Dynamic Credit Allocation Fund, Inc.
Primary
5Y
+50.0%
3Y
+48.4%
1Y
-2.1%
6M
-0.8%
1M
+2.4%
1W
+0.1%
TSB
Timberland Bancorp, Inc.
Peer
5Y
+71.8%
3Y
+75.8%
1Y
+38.1%
6M
+30.0%
1M
+5.2%
1W
-0.8%
BRB
Blue Ridge Bankshares, Inc.
Peer
5Y
-69.6%
3Y
-54.2%
1Y
+28.8%
6M
+1.3%
1M
+4.2%
1W
+0.3%
LNK
LINKBANCORP, Inc.
Peer
5Y
+33.0%
3Y
+50.7%
1Y
+35.6%
6M
+25.5%
1M
+4.7%
1W
-3.5%
FNL
The First Bancorp, Inc.
Peer
5Y
+33.1%
3Y
+35.2%
1Y
+28.8%
6M
+16.8%
1M
+3.2%
1W
-1.9%
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
P/E Ratio
10.8
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
N/A
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$322.28M
Profitability
Profit margins and return metrics
Profit Margin
N/A
Operating Margin
N/A
Gross Margin
N/A
ROE
N/A
ROA
N/A
Growth
Revenue and earnings growth rates
Revenue Growth
N/A
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
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A
Financial Services Sector Comparison
Comparing ARDC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
10.8
This Stock
vs
36.01
Sector Avg
-70.0%
(Discount)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ARDC
Ares Dynamic Credit...
|
BEARISH | $322.28M | 10.8 | -% | -% | $13.5 | |
|
TSBK
Timberland Bancorp, Inc.
|
NEUTRAL | $322.78M | 10.63 | 11.8% | 36.4% | $40.94 | Compare |
|
BRBS
Blue Ridge Bankshares, Inc.
|
BEARISH | $321.47M | 32.55 | 3.3% | 11.2% | $3.58 | Compare |
|
LNKB
LINKBANCORP, Inc.
|
BEARISH | $323.35M | 9.59 | 11.4% | 28.4% | $8.63 | Compare |
|
FNLC
The First Bancorp, Inc.
|
BULLISH | $323.35M | 9.6 | 12.8% | 37.0% | $28.69 | Compare |
ARDC
Ares Dynamic...
BEARISH
Mkt Cap
$322M
P/E
10.8
ROE
-%
Price
$13.5
Past News Coverage
Recent headlines mentioning ARDC from our newsroom.
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