Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Pearl Diver Credit Company Inc. (PDCC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: PDCC (1-star) is a SELL. SELL since 5 days. Simulated Profits (-4.98%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -14.36% | Avg. Invested days 37 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 122.00M USD | Price to earnings Ratio 7.84 | 1Y Target Price - |
Price to earnings Ratio 7.84 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 16.82 - 20.32 | Updated Date 06/29/2025 |
52 Weeks Range 16.82 - 20.32 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 14.71% | Basic EPS (TTM) 2.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE 7.84 | Forward PE - | Enterprise Value - | Price to Sales(TTM) 7 |
Enterprise Value - | Price to Sales(TTM) 7 | ||
Enterprise Value to Revenue 7.39 | Enterprise Value to EBITDA - | Shares Outstanding 6796470 | Shares Floating - |
Shares Outstanding 6796470 | Shares Floating - | ||
Percent Insiders 62.78 | Percent Institutions 32.66 |
Upturn AI SWOT
Pearl Diver Credit Company Inc.
Company Overview
History and Background
Pearl Diver Credit Company Inc. was founded in 1985, initially focusing on consumer lending. Over time, it expanded into commercial lending and credit card services, adapting to changing market conditions through technology and strategic acquisitions.
Core Business Areas
- Consumer Lending: Provides personal loans, auto loans, and mortgages to individual customers.
- Commercial Lending: Offers loans and lines of credit to small and medium-sized businesses.
- Credit Card Services: Issues and manages credit cards for consumers and businesses.
- Wealth Management: Provides advisory and asset management services to high-net-worth individuals
Leadership and Structure
The company is led by a CEO and a team of executive vice presidents, organized into business divisions based on core business areas. A board of directors oversees strategic direction.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured loans for various purposes. Competitors include Upstart and LendingClub. Market share is estimated at 8% of the unsecured personal loan market. Data from 2023.
- Business Lines of Credit: Revolving credit for small businesses. Competitors include American Express and Fundbox. Holds approximately 5% market share of the US Small Business lending market in 2023.
- Premium Rewards Credit Card: Credit card with travel and cash-back rewards. Competitors include Chase Sapphire and Amex Platinum. About 5 million card holders and $15 million generated revenue.
Market Dynamics
Industry Overview
The credit industry is highly competitive, with increasing digitalization and regulatory scrutiny. Fintech companies are disrupting traditional lenders.
Positioning
Pearl Diver Credit Company Inc. is a mid-sized player, leveraging its established brand and diverse product portfolio. The company focuses on a balance between growth and responsible lending.
Total Addressable Market (TAM)
The TAM for lending in the US is estimated at $10 trillion annually. Pearl Diver Credit Company Inc. is positioned to capture a small but significant share of this large market.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Diverse product portfolio
- Strong customer relationships
- Sound risk management practices
Weaknesses
- Higher operating costs compared to fintechs
- Slower adoption of new technologies
- Limited international presence
- Dependence on interest rate environment
Opportunities
- Expansion into new markets (e.g., green lending)
- Partnerships with fintech companies
- Increased digitalization of services
- Growing demand for personalized financial products
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturns
- Changes in regulations
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
Competitive Landscape
Pearl Diver Credit Company Inc. competes with larger banks and smaller fintech companies. It differentiates itself through its personalized service and diverse product offerings.
Major Acquisitions
FinTech Solutions LLC
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Acquisition to bolster digital banking capabilities and enhance customer experience
Growth Trajectory and Initiatives
Historical Growth: Pearl Diver Credit Company Inc. has experienced moderate growth in recent years, primarily driven by its commercial lending and credit card businesses.
Future Projections: Analysts project continued growth in the coming years, driven by expansion into new markets and increased digitalization. Projected growth is 5% per year.
Recent Initiatives: The company has recently launched a new online lending platform and partnered with a fintech company to offer mobile banking services.
Summary
Pearl Diver Credit Company Inc. is a stable financial institution with steady growth, driven by its diverse product portfolio and sound risk management. Its competitive advantage lies in personalized services. However, it faces threats from fintech and interest rate hikes and need to modernize it tech. The acquisition of Fintech Solutions LLC is a very good sign for the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pearl Diver Credit Company Inc.
Exchange NYSE | Headquaters - | ||
IPO Launch date 2024-07-18 | CEO & Director Mr. Indranil Basu | ||
Sector Financial Services | Industry Asset Management | Full time employees - | Website |
Full time employees - | Website | ||
Pearl Diver Credit Company Inc. was founded in 2023 and is headquartered in London, Greater London, United Kingdom.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.