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Upturn AI Summary - About
Oxford Lane Capital Corp(OXLC)
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 OXLC
10/19/2026: OXLC (1-star) is currently NOT-A-BUY. Pass it for now.
Oxford Lane Capital Corp is a specialized closed-end investment company that provides retail investors with access to the CLO equity and junior debt markets. The firm’s main strength is its experienced management team and its ability to generate high monthly income through complex structured finance investments. While the company offers an attractive opportunity for income-focused investors, it carries significant risks, including sensitivity to corporate loan defaults, high leverage, and asset price volatility. Investors should monitor the health of the leveraged loan market and interest rate trends closely. Given its specialized nature, it is best suited for those comfortable with high-risk, income-generating credit strategies.
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 primary focus is income generation rather than capital appreciation. |
| Momentum investor | Mixed fit | Momentum may occur during periods of credit market stability, but is conditional on a positive market upturn signal. |
| Value investor | Mixed fit | Valuation is complex due to the underlying asset nature, making traditional metrics less applicable. |
| Dividend investor | Strong fit | The company is specifically designed to provide high monthly income to shareholders. |
| Low-risk investor | Weak fit | The inherent volatility and risk of CLO equity make this an unsuitable asset for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | CLO equity prices can fluctuate sharply based on credit market sentiment. |
| Valuation risk | Medium / high | Determining the fair value of CLO equity requires significant estimation and modeling. |
| Competition risk (CLO/Credit Funds) | Medium | Competition from other credit vehicles can pressure management fees and asset yields. |
| Business quality | Medium | The business relies on the skill of external managers to select and monitor securitized credit assets. |
| Dividend income | Medium / high | Dividends are sensitive to the underlying performance of the corporate loans in the CLO pools. |
| Execution risk | Medium | Successful execution depends on the manager's ability to time entries and exits in the CLO market. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -21.4% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 775.42M USD | Price to earnings Ratio - | 1Y Target Price 12.5 |
Price to earnings Ratio - | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1.1M shares | Beta 0.68 | 52 Weeks Range 6.40 - 11.25 | Updated Date 10/18/2026 |
52 Weeks Range 6.40 - 11.25 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 61.00% | Basic EPS (TTM) -5.97 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| CLO Equity & Junior Debt | Interest and dividend income generated from the company's holdings in structured credit products. | The company earns money by collecting payments from pools of corporate loans packaged into CLOs. |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1.45B | Price to Sales(TTM) 1.67 |
Enterprise Value 1.45B | Price to Sales(TTM) 1.67 | ||
Enterprise Value to Revenue 141.61 | Enterprise Value to EBITDA - | Shares Outstanding 98.03M | Shares Floating - |
Shares Outstanding 98.03M | Shares Floating - | ||
Percent Insiders 3.19 | Percent Institutions 18.76 |
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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