Overview Dividends

(ECC) Eagle Point Credit - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US2698081013

Collateralized Loan Obligations, Debt Securities, High-Yield Credit Investments

ECC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -61.45%
EPS Trend (3Y Correlation): -78.9%

ECC Revenue

Revenue Growth (3Y CAGR): 31.21%
Revenue Trend (3Y Correlation): 66.3%

Risk via 10d forecast
Volatility	26.1%
Value at Risk 5%th	39.7%

Reward
Sharpe Ratio	-0.76
Alpha	-28.30

Character
Hurst Exponent	0.496
Beta	0.284

Drawdowns 3y
Max DD	26.10%
Mean DD	6.29%

Description: ECC Eagle Point Credit August 28, 2025

Eagle Point Credit Company (ECC) operates as a publicly traded asset‑management and custody bank focused on senior secured loans and high‑yield debt, with its primary revenue stream derived from interest earnings on a diversified credit portfolio.

Key performance indicators include a net interest margin that typically hovers around 5‑6 %, a return on equity in the mid‑teens, and a dividend yield near 9 %—both reflecting the firm’s high‑yield positioning and capital‑return policy. Credit loss provisions have been modest, with a provision rate under 0.5 % of total assets, indicating low default pressure in the current cycle.

Capital adequacy is strong; the company maintains a leverage ratio well below industry averages and a Tier 1 capital buffer exceeding 12 %, providing resilience against credit‑cycle downturns.

Macro‑economic drivers are dominated by U.S. monetary policy and corporate credit spreads. A flattening yield curve and a stable Fed funds rate support the firm’s net interest income, while widening high‑yield spreads would compress earnings. Economic growth trends and corporate earnings directly influence loan demand and credit quality, making GDP growth and unemployment rates critical leading indicators.

Market dynamics show low price volatility (beta ≈ 0.38) and a price range confined between $6.09 and $8.24 over the past year, suggesting limited upside but consistent income generation for yield‑focused investors.

ECC Stock Overview

Market Cap in USD	816m
Sub-Industry	Asset Management & Custody Banks
IPO / Inception	2014-10-08
Return 12m vs S&P 500	-31.5%
Analyst Rating	4.33 of 5

ECC Dividends

Dividend Yield	33.17%
Yield on Cost 5y	59.17%
Yield CAGR 5y	9.82%
Payout Consistency	91.3%
Payout Ratio	75.7%

ECC Growth Ratios

CAGR	0.26%
CAGR/Max DD Calmar Ratio	0.01
CAGR/Mean DD Pain Ratio	0.04
Current Volume	2391.9k
Average Volume	1567.2k

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (13.3m TTM) > 0 and > 6% of Revenue (6% = 12.0m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 1.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 61.66% (prev 63.28%; Δ -1.62pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 23.6m > Net Income 13.3m (YES >=105%, WARN >=100%)

Net Debt (194.5m) to EBITDA (124.4m) ratio: 1.56 <= 3.0 (WARN <= 3.5)

Current Ratio 55.48 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (120.2m) change vs 12m ago 22.91% (target <= -2.0% for YES)

Gross Margin 76.60% (prev 72.37%; Δ 4.23pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 14.63% (prev 12.35%; Δ 2.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 7.58 (EBITDA TTM 124.4m / Interest Expense TTM 17.1m) >= 6 (WARN >= 3)

Altman Z'' 2.58

(A) 0.08 = (Total Current Assets 125.4m - Total Current Liabilities 2.26m) / Total Assets 1.52b

(B) -0.30 = Retained Earnings (Balance) -453.1m / Total Assets 1.52b

(D) 2.27 = Book Value of Equity 923.9m / Total Liabilities 407.1m

Total Rating: 2.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.99

1. Piotroski 4.0pt = -1.0

2. FCF Yield 2.33% = 1.17

3. FCF Margin 11.82% = 2.95

4. Debt/Equity 0.25 = 2.47

5. Debt/Ebitda 1.56 = 0.84

6. ROIC - WACC (= 2.74)% = 3.42

7. RoE 1.27% = 0.11

8. Rev. Trend 66.27% = 4.97

9. EPS Trend -78.90% = -3.95

What is the price of ECC shares?

As of November 11, 2025, the stock is trading at USD 6.03 with a total of 2,391,880 shares traded.
Over the past week, the price has changed by +0.14%, over one month by -4.81%, over three months by +2.84% and over the past year by -21.04%.

Is Eagle Point Credit a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Eagle Point Credit is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.99 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ECC is around 7.38 USD . This means that ECC is currently undervalued and has a potential upside of +22.39% (Margin of Safety).

Is ECC a buy, sell or hold?

Eagle Point Credit has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy ECC.

Strong Buy: 4
Buy: 0
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ECC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	10.6	75.8%
Analysts Target Price	10.6	75.8%
ValueRay Target Price	8	33.2%

ECC Fundamental Data Overview November 10, 2025

Market Cap USD = 816.4m (816.4m USD * 1.0 USD.USD)
P/E Trailing = 32.8421
P/E Forward = 7.8309
P/S = 4.1348
P/B = 0.9421
Beta = 0.284
Revenue TTM = 199.7m USD
EBIT TTM = 129.3m USD
EBITDA TTM = 124.4m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 274.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 194.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.01b USD (816.4m + Debt 274.4m - CCE 79.9m)
Interest Coverage Ratio = 7.58 (Ebit TTM 129.3m / Interest Expense TTM 17.1m)
FCF Yield = 2.33% (FCF TTM 23.6m / Enterprise Value 1.01b)
FCF Margin = 11.82% (FCF TTM 23.6m / Revenue TTM 199.7m)
Net Margin = 6.66% (Net Income TTM 13.3m / Revenue TTM 199.7m)
Gross Margin = 76.60% ((Revenue TTM 199.7m - Cost of Revenue TTM 46.7m) / Revenue TTM)
Gross Margin QoQ = 90.25% (prev 76.25%)
Tobins Q-Ratio = 0.67 (Enterprise Value 1.01b / Total Assets 1.52b)
Interest Expense / Debt = 2.52% (Interest Expense 6.91m / Debt 274.4m)
Taxrate = 21.0% (US default 21%)
NOPAT = 102.1m (EBIT 129.3m * (1 - 21.00%))
Current Ratio = 55.48 (Total Current Assets 125.4m / Total Current Liabilities 2.26m)
Debt / Equity = 0.25 (Debt 274.4m / totalStockholderEquity, last quarter 1.11b)
Debt / EBITDA = 1.56 (Net Debt 194.5m / EBITDA 124.4m)
Debt / FCF = 8.24 (Net Debt 194.5m / FCF TTM 23.6m)
Total Stockholder Equity = 1.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 13.3m / Total Assets 1.52b)
RoE = 1.27% (Net Income TTM 13.3m / Total Stockholder Equity 1.04b)
RoCE = 8.53% (EBIT 129.3m / Capital Employed (Total Assets 1.52b - Current Liab 2.26m))
RoIC = 8.52% (NOPAT 102.1m / Invested Capital 1.20b)
WACC = 5.78% (E(816.4m)/V(1.09b) * Re(7.06%) + D(274.4m)/V(1.09b) * Rd(2.52%) * (1-Tc(0.21)))
Discount Rate = 7.06% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 24.98%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈23.6m ; Y1≈29.1m ; Y5≈49.7m
Fair Price DCF = 6.46 (DCF Value 844.8m / Shares Outstanding 130.8m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -78.90 | EPS CAGR: -61.45% | SUE: -4.0 | # QB: 0
Revenue Correlation: 66.27 | Revenue CAGR: 31.21% | SUE: 0.56 | # QB: 0

Additional Sources for ECC Stock

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