* Note: Prices are in Million (M) USD.
Description:
Pearl Diver Credit Company Inc. (PDCC) is a specialized financial institution delivering innovative credit solutions and investment products primarily for the marine and shipping sector. With a focus on long-term growth, PDCC offers customized financing options designed to enhance operational efficiency and capitalize on emerging market opportunities. Leveraging deep industry expertise and a robust risk management framework, the company positions itself as a go-to partner for institutional investors seeking exposure to the maritime economy. Committed to sustainable value creation, PDCC adeptly navigates the complexities of the global shipping landscape while expanding its diverse portfolio.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Note: Financial institutions (banks/insurers/brokers/REITs) are evaluated using sector, P/E, growth, ROE and other factors. The 3.5× Net Debt/EBITDA rule is skipped to avoid misleading signals; however, Cash/Debt/EBITDA are still displayed and counted for scoring.
Cash : $0 M
Debt : $7 M
EBITDA : $11 M
Net Debt (Debt - Cash): $7 M
Since Net Debt is covered by EBITDA within 1 year, 3 points assigned.
This criteria used industry in which company operates:
Sector: Financial services
Industry: Asset management
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Forward PE Ratio: 4.92
Since Forward PE Ratio is less than 15, 5 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 3 overlapping fiscal years (max 20).Average Free Cash Flow: $7 M
Average Revenue: $14 M
Revenue Converted To Free Cash Flow (%): 48.3%
Since Free Cash Flow (FCF) to Revenue percentage is greater than 25, 5 points assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2025-12-31): $22 M
Revenue 2 Years Ago (2023-12-31): $2 M
Total Growth over 2 Years: 893.2%
2-Year Revenue CAGR (Historical): 215.2%
Forward 5-Year CAGR (Tapered): 100.0%
Since historical Revenue CAGR is greater than 20, 5 points assigned.
This criteria used Company's ability to buy back its own share:
Error: This stock does not have 5 years of share count data.Using default values for calculation.
Based on default values, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $2.30
Trailing 12-Month Earnings Per Share (EPS): $2.01
Average Earnings Per Share (EPS): $2.15
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0.00%
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 3 valid ROE years (max 20).Average ROE: -0.3%
Since Average ROE is non-positive, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $10.6
52-Week Low: $9.50
Threshold Price (15% Above 52-Week Low): $10.93
Since Current price is within 15% threshold, 5 points assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $106 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 0.5% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
No positive free cash flow found (TTM or annual) to compute Owners' Earnings per share.
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 27 points to above Pearl Diver Credit Company Inc. (PDCC) stock.
Heads up: One or more P/E inputs look exaggerated and may skew the blend.
• Growth Based PE
50.00 (>2× median)
• RCFC Based PE
48.25 (>2× median)
Further research is recommended; please use your own due diligence.In such cases, multiplying earnings by the long-run average P/E typically gives a closer, more reliable fair value.
Rule of thumb: Last 1 Years Avg P/E (14.19)
× EPS ($2.15) = $30.54.
Last 1 Years Avg PE
14.19, Fair Value PE
15, Industry Based PE
15, Growth Based PE
50, RCFC Based PE
48.25, Risk-Free Anchored PE (25% MoS)
17.65. Based on these 6 values, average assigned is
26.68. Value-Trades has assined P/E value
14.19. An average (Current Year EPS + Next Year EPS) earning per share is
$2.1525.
Note: Final fair value is the lesser of the blended PE-based fair value and the simple average PE × EPS fair value.Fair value using multiple P/Es (blended): $57.43 (PE 26.68 × EPS $2.15)
Fair value using simple average PE × EPS: $30.54 (PE 14.19 × EPS $2.15)
Lesser of these two: $30.54
So the Final Fair Value is: $30.54
Understanding the Value-Trades P/E Blend (click to expand)
▾
What goes into the blended P/E?
- 20-Year Avg P/E — Long-run market baseline; conservative anchor.
- Fair Value P/E — Score-based (cash, debt, sector, etc.).
- Industry P/E — Peer group norm.
- Growth-Based P/E — Uses tapered growth rates, floored at 15.
- RCFC-Based P/E — Maps cash conversion efficiency.
- ROE-Based P/E — Higher ROE supports higher multiples.
- Risk-Free Anchored P/E — Macro floor tied to 10y yield w/ MoS.
How it works
- Extreme values are clamped/filtered (IQR method).
- Anchors (20y avg, RCFC/ROE, risk-free) are always kept if valid.
- Final fair value = min(Blended PE × EPS, Avg PE × EPS).
P/E Reference Summary
Using EPS: $2.15
| Source |
P/E Ratio |
Implied Fair Value |
| Market (1 Yr Ago) | 14.19 | $30.54 |
| 1 Yrs Avg-PE | 14.19 | $30.54 |
| Value-Trades Assigned | 14.19 | $30.54 |
Note: Only 1 years of reliable P/E data available. Fair value is calculated using blended models to reduce bias.
Financials mode
3.5× Net Debt/EBITDA penalty is disabled; Cash/Debt/EBITDA are shown and counted.
