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PDCC

BEARISH
$10.24 Live
Pearl Diver Credit Company Inc. · NYSE
Target $13.0 (+27.0%)
$9.5 52W Range $18.4

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026
Market cap
$69.99M
P/E
N/A
ROE
N/A
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
25.78%

AI Analysis

AI-powered fundamental assessment

Confidence
90%
PDCC exhibits severe financial distress as evidenced by a critical Piotroski F-Score of 1/9, indicating a near-total collapse in fundamental health. The company is currently operating as a classic 'dividend trap,' boasting a 25.78% yield but an unsustainable payout ratio of 396.72%, meaning it is paying out nearly four times its earnings. Despite a 'strong_buy' analyst consensus and a low forward P/E of 5.09, the technical trend is 0/100 and the stock has lost over 30% of its value over the last year. The disconnect between analyst targets ($13.00) and the deteriorating financial metrics suggests a high risk of a significant dividend cut and further price erosion.

Key Strengths

Low forward P/E ratio of 5.09
Recent Q/Q EPS growth of +11.4%
Positive analyst target price ($13.00) relative to current price
High nominal dividend yield for income seekers
Recent quarterly earnings beat (Feb 2026)

Key Risks

Extreme financial instability (Piotroski F-Score 1/9)
Unsustainable dividend payout ratio (396.72%)
Strong bearish technical trend (0/100)
Consistent negative price performance over 1Y, 3Y, and 5Y horizons
Micro-cap liquidity risk with a market cap of only $0.07B
AI Fair Value Estimate
Based on comprehensive analysis
$8.5
-17.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
22
Weak
Value
40
Future
30
Past
15
Health
10
Dividend
15
AI Verdict
High-Risk Value Trap
Key drivers: Critical F-Score, Unsustainable Payout Ratio, Bearish Price Action
Confidence
90%
Value
40/100

Forward P/E is 5.09, but quality of earnings is poor.

Positives
  • Low forward P/E
Watchpoints
  • Lack of Graham Number/Intrinsic Value data
  • Price reflects a value trap rather than a bargain
Future
30/100

Growth metrics are largely N/A or inconsistent.

Positives
  • Recent EPS growth
Watchpoints
  • Negative average earnings surprise (-6.51%)
  • Downward price trajectory
Past
15/100

Long-term capital erosion is evident.

Positives
No standout positives identified.
Watchpoints
  • 5Y Change: -30.5%
  • 1Y Change: -31.5%
Health
10/100

F-Score indicates severe fundamental weakness.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 1/9
Dividend
15/100

Dividend is likely to be cut to preserve capital.

Positives
  • Very high yield (25.78%)
Watchpoints
  • Payout ratio of 396.72% is mathematically unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$10.24
Analyst Target
$13.0
Upside/Downside
+27.0%

Multi-Horizon Performance vs Peers

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

Updated 2026-05-01
PDC
Pearl Diver Credit Company Inc.
Primary
5Y
-30.5%
3Y
-30.5%
1Y
-31.5%
6M
-30.9%
1M
+0.3%
1W
+0.9%
DMA
Destra Multi-Alternative Fund
Peer
5Y
+17.0%
3Y
+61.4%
1Y
+3.6%
6M
-4.8%
1M
-1.7%
1W
-1.8%
CLS
Catalyst Bancorp, Inc.
Peer
5Y
+24.1%
3Y
+46.3%
1Y
+50.9%
6M
+26.3%
1M
+2.5%
1W
+1.6%
EEA
The European Equity Fund, Inc.
Peer
5Y
+27.3%
3Y
+26.2%
1Y
+14.9%
6M
-0.4%
1M
+6.2%
1W
-1.8%
CXH
MFS Investment Grade Municipal Trust
Peer
5Y
+4.1%
3Y
+30.0%
1Y
+15.9%
6M
+7.0%
1M
+4.4%
1W
-0.1%

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
5.09
PEG Ratio
N/A
P/B Ratio
N/A
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$69.99M

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 Q4 2025

Total Assets
$0.1B
Liabilities
$0.0B
Equity
$0.1B
Debt/Equity
0.43x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-02-17
$0.49
+2.1% surprise
2025-11-18
$0.44
-15.1% surprise
2025-08-07
$N/A

Financial Services Sector Comparison

Comparing PDCC against 1034 companies in the Financial Services sector (162 bullish, 450 neutral, 422 bearish)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-17

PDCC filed an 8-K on April 17, 2026, likely to announce its annual financial results for the fiscal year ended December 31, 2025.

8-K
8-K
2026-03-19
8-K
8-K
2026-02-18

PDCC filed an 8-K on February 18, 2026, likely to announce its fourth quarter and full-year financial results.

8-K
8-K
2026-01-13
8-K
8-K
2025-12-08
8-K
8-K
2025-11-12
DEF 14A
DEF 14A
2025-11-05

PDCC filed a definitive proxy statement (DEF 14A) on November 5, 2025, providing shareholders with necessary information and voting materials for an upcoming meeting.

8-K
8-K
2025-10-10
8-K
8-K
2025-09-19
8-K
8-K
2025-09-08
8-K
8-K
2025-08-08
8-K
8-K
2025-07-11
8-K
8-K
2025-06-09
8-K
8-K
2025-05-07
8-K
8-K
2025-04-09
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PDCC from our newsroom.

Newest → oldest
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