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CCIF

BEARISH
$3.2 Live
Carlyle Credit Income Fund · NYSE
Target $3.92 (+22.4%)
$3.01 52W Range $6.88

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026
Market cap
$67.84M
P/E
N/A
ROE
N/A
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
22.5%

AI Analysis

AI-powered fundamental assessment

Confidence
95%
CCIF exhibits severe financial distress, highlighted by a critical Piotroski F-Score of 1/9, indicating fundamental weakness across almost all health metrics. The fund is currently paying out dividends at an unsustainable rate with a payout ratio of 420%, which is likely eroding capital. This is compounded by a catastrophic -70% year-over-year decline in EPS and a technical trend of 0/100. Despite a 'strong_buy' analyst consensus, the hard data suggests a value trap characterized by collapsing earnings and a failing price trend.

Key Strengths

Extremely high current dividend yield of 22.50%
Forward P/E of 5.20 suggests low valuation relative to future earnings
Analyst target price ($3.92) provides a potential upside of ~22%
Insider sentiment remains slightly positive (60/100)
Recent 1-month price action shows a minor recovery (+4.4%)

Key Risks

Unsustainable dividend payout ratio of 420%
Severe earnings deterioration with -70% YoY EPS growth
Critical financial health as evidenced by Piotroski F-Score of 1/9
Strong bearish technical momentum (0/100 trend score)
Consistent failure to meet earnings estimates (only 1 beat in last 4 quarters)
AI Fair Value Estimate
Based on comprehensive analysis
$2.75
-14.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
17
Weak
Value
30
Future
10
Past
20
Health
5
Dividend
20
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 1/9, 420% Payout Ratio, -70% YoY EPS Growth, 0/100 Technical Trend
Confidence
90%
Value
30/100

Forward P/E is 5.20, but value is negated by the lack of earnings stability.

Positives
  • Low Forward P/E
Watchpoints
  • Lack of Graham Number/Intrinsic Value data
  • Price is near 52-week low
Future
10/100

Growth metrics are deeply negative across all timeframes.

Positives
No standout positives identified.
Watchpoints
  • EPS growth is crashing (-40% Q/Q, -70% YoY)
  • Consistent earnings misses
Past
20/100

Long-term price performance is consistently negative.

Positives
No standout positives identified.
Watchpoints
  • 1Y Change: -38.8%
  • 3Y Change: -38.2%
  • 5Y Change: -30.3%
Health
5/100

Piotroski score of 1/9 is a primary red flag for financial instability.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 1/9
  • No Altman Z-Score available to mitigate risk
Dividend
20/100

The yield is a 'dividend trap' as payouts far exceed earnings.

Positives
  • Very high yield (22.5%)
Watchpoints
  • Payout ratio of 420% is fundamentally unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$3.2
Analyst Target
$3.92
Upside/Downside
+22.4%

Multi-Horizon Performance vs Peers

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

Updated 2026-04-24
CCI
Carlyle Credit Income Fund
Primary
5Y
-30.3%
3Y
-38.2%
1Y
-38.8%
6M
-32.4%
1M
+4.4%
1W
-5.0%
BYF
Broadway Financial Corporation
Peer
5Y
-59.1%
3Y
-11.9%
1Y
+22.8%
6M
-4.9%
1M
-7.0%
1W
-1.6%
CLS
Catalyst Bancorp, Inc.
Peer
5Y
+24.1%
3Y
+46.3%
1Y
+50.9%
6M
+26.3%
1M
+2.5%
1W
+1.6%
ASR
AmeriServ Financial, Inc.
Peer
5Y
+19.9%
3Y
+47.6%
1Y
+78.7%
6M
+30.0%
1M
+6.3%
1W
+3.2%
GEG
Great Elm Group, Inc.
Peer
5Y
-18.4%
3Y
-11.1%
1Y
+6.4%
6M
-19.0%
1M
-3.9%
1W
+5.8%

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
N/A
Forward P/E
5.2
PEG Ratio
N/A
P/B Ratio
N/A
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$67.84M

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 Statement Flow

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

Total Assets
$0.2B
Liabilities
$0.1B
Equity
$0.1B
Debt/Equity
0.64x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-02-25
$0.09
-42.9% surprise
2025-11-18
$0.15
-22.1% surprise
2025-05-20
$0.23
-12.4% surprise
2025-02-26
$0.44
+47.9% surprise

Financial Services Sector Comparison

Comparing CCIF against 648 companies in the Financial Services sector (117 bullish, 268 neutral, 263 bearish)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BASMADJIAN LAUREN MICHELLE
Director
Buy
2026-03-16
16,000 shares · $51,520
JOSEPH NELSON
Officer and Treasurer
Buy
2025-12-22
1,200 shares · $5,640
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-15

CCIF filed an 8-K on April 15, 2026, likely to announce its first-quarter financial results.

8-K
8-K
2026-03-13
8-K
8-K
2026-02-25

CCIF likely filed this 8-K to announce its fourth quarter and full-year financial results.

8-K
8-K
2026-02-13

CCIF filed an 8-K on February 13, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-15
8-K
8-K
2025-12-12
8-K
8-K
2025-11-18
8-K
8-K
2025-11-14

CCIF filed an 8-K on November 14, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-10-31

CCIF filed an 8-K on October 31, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-10-15

CCIF filed an 8-K on October 15, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-09-12
8-K
8-K
2025-08-19
8-K
8-K
2025-08-15
DEF 14A
DEF 14A
2025-07-21
8-K
8-K
2025-07-15
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
3 analysts
B. Riley Securities
2025-11-20
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning CCIF from our newsroom.

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