Pearl Diver Credit Company Inc. (PDCC) AI Stock Analysis

Pearl Diver Credit Company Inc. is an asset management company within the broader financial services sector. The company was founded in 2023 and completed its initial public offering in 2024, listing on the NYSE under the ticker PDCC. It is headquartered in London, Greater London, United Kingdom, and conducts its financial reporting on a fiscal year ending in December. The firm operates with a market capitalization of $53.8M as of October 16, 2026.

Revenue increased from $2.2M in FY2023 to $17.5M in FY2024, representing growth of 679.8%, before reaching $22.3M in FY2025 with 27.4% growth. This reflects a 2-year revenue CAGR of 215.2% from FY2023 to FY2025. Operating margins dropped from 374.5% in FY2023 to 86.6% in FY2024, and fell further to -71.8% in FY2025. Net income went from $8.4M in FY2023 and $6.8M in FY2024 down to -$19.3M in FY2025, alongside an eps of $0.93. Operating cash flow rose to $27.8M in FY2025. For the trailing twelve months ending June 30, 2026, revenue stood at $0 with eps_ttm of -$4.49.

As of the quarter ended June 30, 2026, cash and short-term investments totaled $3.2M against total debt of $4.7M, yielding net debt of $1.5M. Total assets stood at $116.9M and shareholders' equity reached $111.0M. The company reported a current ratio of 0.68 and a debt-to-equity ratio of 0.04. During FY2025, capital allocation included $7.4M dedicated to share buybacks and $18.0M paid out in dividends, supported by free cash flow of $27.8M.

At a last close of $7.75 on October 16, 2026, the company holds a market cap of $53.8M. Its forward P/E is 7.5x, below the 10.8x median of its US-listed Financial Services peers. The price-to-sales ratio is 13.5x, compared to the peer median of 3.2x, while price-to-book sits at 0.8x. Over the past year, the stock fell 42.2%, trailing the S&P 500 (SPY) return of 16.8%. The share price trades at its 52-week low of $7.75, which is 19.4% below its 200-day average.

The company pays a monthly dividend with an annual forward dividend of $1.56, representing a dividend yield of 20.13%. It has recorded 3 consecutive years of dividend payments, with a payout ratio of 32.5%. The last ex-dividend date was November 16, 2026, following FY2025 total dividends paid of $18.0M.

Wall Street coverage comprises 2 Strong Buy ratings, with 0 Buy, Hold, Sell, or Strong Sell recommendations. The mean price target is $10.75, implying an upside of 38.7% over the last close of $7.75. Analysts project FY2026 revenue of $17.5M with EPS of $1.26. For FY2027, 2 analysts estimate revenue of $18.0M and EPS of $1.26. The next earnings date is November 17, 2026.

This page is an AI-written research summary of Pearl Diver Credit Company Inc. (PDCC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: PDCC income statement, PDCC balance sheet, PDCC key metrics, PDCC analyst forecast, PDCC chart. See the PDCC stock overview for the latest quote and news.