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Upturn AI Summary - About
Investcorp Credit Management BDC Inc(ICMB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ICMB
10/23/2026: ICMB (1-star) is currently NOT-A-BUY. Pass it for now.
Investcorp Credit Management BDC (ICMB) is a business development company focused on providing debt capital to middle-market firms. By leveraging the extensive credit platform of its manager, Investcorp, the company aims to generate consistent income for shareholders. While the BDC structure offers a potential for regular dividends, the stock is subject to significant risks including credit quality deterioration in its portfolio and intense competition from larger lenders. Investors should monitor net interest margins and the firm's ability to maintain a stable Net Asset Value. This stock is best suited for income-oriented investors comfortable with the risks inherent in the specialized private credit sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's business model is focused on income generation rather than capital appreciation. |
| Momentum investor | Weak fit | This stock typically lacks the price trend momentum sought by this investor style. |
| Value investor | Mixed fit | It may appeal to value investors if the stock trades at a significant discount to Net Asset Value (NAV). |
| Dividend investor | Strong fit while signal remains positive | The BDC structure is specifically designed to provide regular income distributions to investors. |
| Low-risk investor | Weak fit | The inherent credit risk of middle-market loans makes this a higher-risk investment. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | BDC stocks can experience significant price swings based on interest rate sentiment and portfolio news. |
| Valuation risk | Medium | The stock's premium or discount to NAV is a critical valuation metric that can fluctuate. |
| Competition risk (middle-market lending) | High | The company faces stiff competition from much larger, more capitalized private credit firms. |
| Business quality | Medium | Performance is highly dependent on the quality and cyclicality of the underlying borrower companies. |
| Dividend income | Medium / high | Dividends are variable and depend on the portfolio's ability to generate steady net investment income. |
| Execution risk | Medium | Success depends on the investment manager's ability to consistently underwrite successful loans. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit -35.38% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 10.10M USD | Price to earnings Ratio - | 1Y Target Price 6.5 |
Price to earnings Ratio - | 1Y Target Price 6.5 | ||
Volume (30-day avg) 45.6K shares | Beta 0.69 | 52 Weeks Range 0.62 - 3.12 | Updated Date 10/24/2026 |
52 Weeks Range 0.62 - 3.12 | Updated Date 10/24/2026 | ||
Dividends yield (FY) 36.92% | Basic EPS (TTM) -1.42 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Interest Income | Interest earned on senior secured and other debt investments held in the portfolio. | The company makes money by lending to businesses and collecting interest payments. |
| Fee Income | Structuring, origination, and management fees related to credit facilities. | Additional revenue is generated from fees charged for arranging and managing loans. |
Valuation
Trailing PE - | Forward PE 7.66 | Enterprise Value 107.37M | Price to Sales(TTM) 0.67 |
Enterprise Value 107.37M | Price to Sales(TTM) 0.67 | ||
Enterprise Value to Revenue 16.09 | Enterprise Value to EBITDA 127.72 | Shares Outstanding 14.43M | Shares Floating - |
Shares Outstanding 14.43M | Shares Floating - | ||
Percent Insiders 26.2 | Percent Institutions 25.47 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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