OFS Credit Company Inc (OCCI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of OFS Credit Company Inc $2.83, price $2.34, upside +21.1%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $2.18 – $4.97 · fair‑value band $1.75 – $4.53 · the $2.34 price screens below the $2.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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OFS Credit Company, Inc. is a fund of OFS Advisor.
Stock analysis
OFS Credit Company Inc (OCCI) currently trades at $2.34, while our model-based Fair Value estimate is $2.83, implying the stock looks roughly 17.4% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $24.88 per share, and 4 of the 4 models we run sit above the $2.34 price.
Bear case: the Asset-Based group reads lowest at $3.49, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: $1.75 (bear) to $4.53 (bull), the price of $2.34 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
OFS Credit Company Inc reported revenue of $40.5M in FY2025 versus $23.0M in FY2021, a compound +15.3%/yr. Reported net income was −$9.9M in FY2025.
Key figures
Market cap $68.3M · P/S ratio 1.56 · EPS (TTM) $−1.19 · Net margin −24.4% · Return on equity −25.9% · Return on assets (EBIT) 2.1% · Operating margin 70.4% · Revenue (TTM) $44.0M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 46% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 21%, OCCI screens cheaper than that median.
Fair Value models
Bear $1.75Fair Value $2.83Bull $4.53
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+117.0%
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+97.1%
’18
’21
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
88.4% (2021) → −5.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 657 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+21% · Above median
Profitability
Return on assets8% · Top 25%
Net margin (TTM)−79% · Bottom 25%
Operating margin (TTM)70% · Above median
Growth and dividend
Revenue growth−10% · Below median
Dividend yield (TTM)53.0% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Cite: Fair Value Calculator (2026). "OFS Credit Company Inc Fair Value". https://www.fairvalue-calculator.com/stock/OCCI
Frequently asked questions
Is OFS Credit Company Inc (OCCI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.83 versus a price of $2.34, about +21% upside (undervalued).
What is the fair value of OCCI?
Our model-based fair value for OFS Credit Company Inc is $2.83 (as of Sep 24, 2026), built from audited fundamentals. The current price: $2.34.
What is the quality score of OCCI?
OFS Credit Company Inc has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OFS Credit Company Inc (OCCI)?
Our model-based price target is the fair value of $2.83 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $1.75, optimistic scenario $4.53. It is a calculation from audited fundamentals, not an analyst target.
What is the OFS Credit Company Inc stock forecast for 2026?
Our models put fair value at $2.83, about +21% upside versus a price of $2.34 (undervalued). Cautious scenario $1.75, optimistic scenario $4.53. The calculation is refreshed regularly with new filings.
What is the revenue of OFS Credit Company Inc (OCCI)?
OFS Credit Company Inc reported trailing-twelve-month revenue of about $44.0M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of OFS Credit Company Inc (OCCI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OFS Credit Company Inc it is $2.83 per share (as of Sep 24, 2026), against a price of $2.34. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is OFS Credit Company Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, OCCI trades below its calculated fair value: price $2.34, fair value $2.83, a gap of about +21% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OCCI?
No. The price is what the market pays today ($2.34); the fair value is what the company's own numbers justify ($2.83). For OFS Credit Company Inc the two are $0.4930 per share apart. That gap is exactly why we show both numbers side by side.
How much is OFS Credit Company Inc worth?
The market values OFS Credit Company Inc at about $68.3M (market capitalisation, as of Sep 24, 2026). Per share that is $2.34; our models calculate a fair value of $2.83 per share.
What do the bullish and bearish scenarios say about OCCI?
Our models span a range for OFS Credit Company Inc: cautious scenario $1.75, base $2.83, optimistic $4.53 per share (as of Sep 24, 2026, price $2.34). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of OFS Credit Company Inc (OCCI)?
Balance-sheet figures for OFS Credit Company Inc (as of Sep 24, 2026): return on equity −25.9%. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is OCCI from its 52-week high?
OFS Credit Company Inc trades at $2.34, about 46% below its 52-week high of $4.36 and 7% above the low of $2.18 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $2.83 is for.
Which stocks are comparable to OFS Credit Company Inc?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OFS Credit Company Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $2.34, calculated fair value $2.83 (+21%), Quality Score 37/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OCCI calculated?
We run OFS Credit Company Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.83, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. OFS Credit Company Inc currently trades 21 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OFS Credit Company Inc (OCCI)?
The closing price on Sep 23, 2026 was $2.34. Our model-based fair value is $2.83, about +21% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OFS Credit Company Inc right now?
A fairly wide model range ($1.75 to $4.53) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of OFS Credit Company Inc
How large is the market capitalisation of OFS Credit Company Inc (OCCI)?
The market capitalisation of OFS Credit Company Inc is $68.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OFS Credit Company Inc (OCCI)?
The price-to-sales ratio of OFS Credit Company Inc is 1.56 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OFS Credit Company Inc (OCCI)?
Earnings per share at OFS Credit Company Inc are $−1.19. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of OFS Credit Company Inc (OCCI)?
The net margin of OFS Credit Company Inc is −24.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OFS Credit Company Inc (OCCI)?
The return on equity (ROE) of OFS Credit Company Inc is −25.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OFS Credit Company Inc (OCCI)?
On an EBIT basis the return on assets of OFS Credit Company Inc is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OFS Credit Company Inc (OCCI)?
The operating margin of OFS Credit Company Inc is 70.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OFS Credit Company Inc (OCCI)?
Revenue at OFS Credit Company Inc is growing −10.2% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OFS Credit Company Inc (OCCI)?
Earnings per share at OFS Credit Company Inc are growing +37.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OFS Credit Company Inc (OCCI) generate?
The free cash flow of OFS Credit Company Inc is $34.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does OFS Credit Company Inc (OCCI) carry?
The net debt of OFS Credit Company Inc is $100M (fiscal year 2025, ≈ 2.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 24, 2026