Pearl Diver Credit (PDCC) Competitors

$11.48 -0.13 (-1.08%)

Closing price 05/15/2026 03:58 PM Eastern

Extended Trading

$11.48 0.00 (0.00%)

As of 05/15/2026 04:39 PM Eastern

PDCC vs. OPRT, CNCK, REFI, CPSS, and XYF

Should you buy Pearl Diver Credit stock or one of its competitors? MarketBeat compares Pearl Diver Credit with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Pearl Diver Credit include Oportun Financial (OPRT), Coincheck Group (CNCK), Chicago Atlantic Real Estate Finance (REFI), Consumer Portfolio Services (CPSS), and X Financial (XYF). These companies are all part of the "fin - misc svcs" industry.

How does Pearl Diver Credit compare to Oportun Financial?

Oportun Financial (NASDAQ:OPRT) and Pearl Diver Credit (NYSE:PDCC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, profitability, dividends, media sentiment and analyst recommendations.

Oportun Financial presently has a consensus price target of $8.00, suggesting a potential upside of 52.38%. Pearl Diver Credit has a consensus price target of $19.50, suggesting a potential upside of 69.93%. Given Pearl Diver Credit's stronger consensus rating and higher possible upside, analysts clearly believe Pearl Diver Credit is more favorable than Oportun Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	1 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.20
Pearl Diver Credit	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00

Oportun Financial has a net margin of 1.87% compared to Pearl Diver Credit's net margin of 0.00%. Oportun Financial's return on equity of 12.14% beat Pearl Diver Credit's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Oportun Financial	1.87%	12.14%	1.47%
Pearl Diver Credit	N/A	N/A	N/A

In the previous week, Oportun Financial had 2 more articles in the media than Pearl Diver Credit. MarketBeat recorded 3 mentions for Oportun Financial and 1 mentions for Pearl Diver Credit. Oportun Financial's average media sentiment score of 1.57 beat Pearl Diver Credit's score of 0.00 indicating that Oportun Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Oportun Financial	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Pearl Diver Credit	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Oportun Financial has higher revenue and earnings than Pearl Diver Credit.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$956.70M	0.25	$25.25M	$0.37	14.19
Pearl Diver Credit	N/A	N/A	N/A	N/A	N/A

82.7% of Oportun Financial shares are held by institutional investors. 9.3% of Oportun Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Oportun Financial has a beta of 1.3, suggesting that its stock price is 30% more volatile than the broader market. Comparatively, Pearl Diver Credit has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market.

Summary

Oportun Financial beats Pearl Diver Credit on 10 of the 13 factors compared between the two stocks.

How does Pearl Diver Credit compare to Coincheck Group?

Coincheck Group (NASDAQ:CNCK) and Pearl Diver Credit (NYSE:PDCC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations, media sentiment and dividends.

33.2% of Coincheck Group shares are held by institutional investors. 65.1% of Coincheck Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Coincheck Group presently has a consensus price target of $3.75, suggesting a potential upside of 84.73%. Pearl Diver Credit has a consensus price target of $19.50, suggesting a potential upside of 69.93%. Given Coincheck Group's higher probable upside, equities research analysts clearly believe Coincheck Group is more favorable than Pearl Diver Credit.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Coincheck Group	1 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00
Pearl Diver Credit	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00

Pearl Diver Credit has a net margin of 0.00% compared to Coincheck Group's net margin of -0.38%. Pearl Diver Credit's return on equity of 0.00% beat Coincheck Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Coincheck Group	-0.38%	-12.42%	-1.37%
Pearl Diver Credit	N/A	N/A	N/A

Coincheck Group has a beta of 0.47, suggesting that its share price is 53% less volatile than the broader market. Comparatively, Pearl Diver Credit has a beta of 0.51, suggesting that its share price is 49% less volatile than the broader market.

In the previous week, Coincheck Group had 10 more articles in the media than Pearl Diver Credit. MarketBeat recorded 11 mentions for Coincheck Group and 1 mentions for Pearl Diver Credit. Coincheck Group's average media sentiment score of 0.14 beat Pearl Diver Credit's score of 0.00 indicating that Coincheck Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Coincheck Group	1 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral
Pearl Diver Credit	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Pearl Diver Credit has lower revenue, but higher earnings than Coincheck Group.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Coincheck Group	$480.24B	0.00	-$94.71M	$0.02	101.50
Pearl Diver Credit	N/A	N/A	N/A	N/A	N/A

Summary

Coincheck Group beats Pearl Diver Credit on 7 of the 13 factors compared between the two stocks.

How does Pearl Diver Credit compare to Chicago Atlantic Real Estate Finance?

Chicago Atlantic Real Estate Finance (NASDAQ:REFI) and Pearl Diver Credit (NYSE:PDCC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations, media sentiment and dividends.

Chicago Atlantic Real Estate Finance presently has a consensus price target of $14.00, suggesting a potential upside of 24.33%. Pearl Diver Credit has a consensus price target of $19.50, suggesting a potential upside of 69.93%. Given Pearl Diver Credit's stronger consensus rating and higher probable upside, analysts clearly believe Pearl Diver Credit is more favorable than Chicago Atlantic Real Estate Finance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chicago Atlantic Real Estate Finance	1 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.33
Pearl Diver Credit	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00

25.5% of Chicago Atlantic Real Estate Finance shares are owned by institutional investors. 8.3% of Chicago Atlantic Real Estate Finance shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Chicago Atlantic Real Estate Finance has higher revenue and earnings than Pearl Diver Credit.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chicago Atlantic Real Estate Finance	$55.43M	4.31	$36.01M	$1.44	7.82
Pearl Diver Credit	N/A	N/A	N/A	N/A	N/A

Chicago Atlantic Real Estate Finance has a net margin of 55.54% compared to Pearl Diver Credit's net margin of 0.00%. Chicago Atlantic Real Estate Finance's return on equity of 11.98% beat Pearl Diver Credit's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Chicago Atlantic Real Estate Finance	55.54%	11.98%	8.46%
Pearl Diver Credit	N/A	N/A	N/A

Chicago Atlantic Real Estate Finance pays an annual dividend of $1.88 per share and has a dividend yield of 16.7%. Pearl Diver Credit pays an annual dividend of $2.64 per share and has a dividend yield of 23.0%. Chicago Atlantic Real Estate Finance pays out 130.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Chicago Atlantic Real Estate Finance has increased its dividend for 1 consecutive years.

In the previous week, Chicago Atlantic Real Estate Finance had 2 more articles in the media than Pearl Diver Credit. MarketBeat recorded 3 mentions for Chicago Atlantic Real Estate Finance and 1 mentions for Pearl Diver Credit. Chicago Atlantic Real Estate Finance's average media sentiment score of 0.62 beat Pearl Diver Credit's score of 0.00 indicating that Chicago Atlantic Real Estate Finance is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Chicago Atlantic Real Estate Finance	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Pearl Diver Credit	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Chicago Atlantic Real Estate Finance has a beta of 0.25, suggesting that its stock price is 75% less volatile than the broader market. Comparatively, Pearl Diver Credit has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market.

Summary

Chicago Atlantic Real Estate Finance beats Pearl Diver Credit on 9 of the 14 factors compared between the two stocks.

How does Pearl Diver Credit compare to Consumer Portfolio Services?

Pearl Diver Credit (NYSE:PDCC) and Consumer Portfolio Services (NASDAQ:CPSS) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, institutional ownership, media sentiment, profitability, earnings, valuation, dividends and analyst recommendations.

Pearl Diver Credit currently has a consensus price target of $19.50, indicating a potential upside of 69.93%. Given Pearl Diver Credit's stronger consensus rating and higher probable upside, equities analysts clearly believe Pearl Diver Credit is more favorable than Consumer Portfolio Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pearl Diver Credit	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00
Consumer Portfolio Services	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

47.6% of Consumer Portfolio Services shares are owned by institutional investors. 63.7% of Consumer Portfolio Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Consumer Portfolio Services has higher revenue and earnings than Pearl Diver Credit.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pearl Diver Credit	N/A	N/A	N/A	N/A	N/A
Consumer Portfolio Services	$202.76M	1.06	$19.33M	$0.85	11.64

Consumer Portfolio Services has a net margin of 4.58% compared to Pearl Diver Credit's net margin of 0.00%. Consumer Portfolio Services' return on equity of 6.54% beat Pearl Diver Credit's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pearl Diver Credit	N/A	N/A	N/A
Consumer Portfolio Services	4.58%	6.54%	0.52%

In the previous week, Consumer Portfolio Services had 1 more articles in the media than Pearl Diver Credit. MarketBeat recorded 2 mentions for Consumer Portfolio Services and 1 mentions for Pearl Diver Credit. Consumer Portfolio Services' average media sentiment score of 0.93 beat Pearl Diver Credit's score of 0.00 indicating that Consumer Portfolio Services is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pearl Diver Credit	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Consumer Portfolio Services	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Pearl Diver Credit has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market. Comparatively, Consumer Portfolio Services has a beta of 1.11, suggesting that its stock price is 11% more volatile than the broader market.

Summary

Consumer Portfolio Services beats Pearl Diver Credit on 9 of the 12 factors compared between the two stocks.

How does Pearl Diver Credit compare to X Financial?

Pearl Diver Credit (NYSE:PDCC) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, institutional ownership, media sentiment, profitability, earnings, valuation, dividends and analyst recommendations.

Pearl Diver Credit pays an annual dividend of $2.64 per share and has a dividend yield of 23.0%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 11.4%. X Financial pays out 11.3% of its earnings in the form of a dividend.

X Financial has higher revenue and earnings than Pearl Diver Credit.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pearl Diver Credit	N/A	N/A	N/A	N/A	N/A
X Financial	$1.09B	0.17	$209.43M	$4.77	0.99

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pearl Diver Credit	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

X Financial has a net margin of 19.09% compared to Pearl Diver Credit's net margin of 0.00%. X Financial's return on equity of 19.27% beat Pearl Diver Credit's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pearl Diver Credit	N/A	N/A	N/A
X Financial	19.09%	19.27%	10.80%

In the previous week, Pearl Diver Credit had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Pearl Diver Credit and 0 mentions for X Financial. Pearl Diver Credit's average media sentiment score of 0.00 equaled X Financial'saverage media sentiment score.

Company	Overall Sentiment
Pearl Diver Credit	Neutral
X Financial	Neutral

1.2% of X Financial shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Pearl Diver Credit has a beta of 0.51, meaning that its share price is 49% less volatile than the broader market. Comparatively, X Financial has a beta of 0.56, meaning that its share price is 44% less volatile than the broader market.

Summary

X Financial beats Pearl Diver Credit on 7 of the 13 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding PDCC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

PDCC vs. The Competition

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Metric	Pearl Diver Credit	FIN Industry	Finance Sector	NYSE Exchange
Market Cap	$78.93M	$7.15B	$13.45B	$22.98B
Dividend Yield	22.76%	5.72%	5.84%	4.09%
P/E Ratio	N/A	89.76	23.54	29.75
Price / Sales	N/A	12.24	170.08	14.03
Price / Cash	N/A	73.53	20.46	25.31
Price / Book	N/A	2.57	2.12	4.60
Net Income	N/A	$303.67M	$1.11B	$1.07B
7 Day Performance	4.32%	-2.64%	-1.60%	-2.27%
1 Month Performance	6.74%	0.10%	-0.62%	-0.37%
1 Year Performance	-35.73%	13.12%	9.17%	21.80%

Pearl Diver Credit Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
PDCC Pearl Diver Credit	N/A	$11.48 -1.1%	$19.50 +69.9%	-36.7%	$78.93M	N/A	N/A	N/A
OPRT Oportun Financial	4.8852 of 5 stars	$5.75 -1.1%	$8.00 +39.3%	-24.1%	$262.78M	$956.70M	10.84	2,488	Positive News
CNCK Coincheck Group	2.4803 of 5 stars	$1.84 +0.6%	$5.50 +198.8%	-66.8%	$250.25M	$475.13B	92.10	N/A	Earnings Report Analyst Forecast Gap Down
REFI Chicago Atlantic Real Estate Finance	4.4071 of 5 stars	$11.64 -5.0%	$14.00 +20.2%	-24.7%	$246.91M	$55.56M	6.93	N/A
CPSS Consumer Portfolio Services	1.4433 of 5 stars	$10.22 +0.4%	N/A	+8.8%	$222.32M	$202.45M	12.02	740

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This page (NYSE:PDCC) was last updated on 5/16/2026 by MarketBeat.com Staff.

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Pearl Diver Credit (PDCC) Competitors

PDCC vs. OPRT, CNCK, REFI, CPSS, and XYF

How does Pearl Diver Credit compare to Oportun Financial?

Summary

How does Pearl Diver Credit compare to Coincheck Group?

Summary

How does Pearl Diver Credit compare to Chicago Atlantic Real Estate Finance?

Summary

How does Pearl Diver Credit compare to Consumer Portfolio Services?

Summary

How does Pearl Diver Credit compare to X Financial?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

PDCC vs. The Competition

Pearl Diver Credit Competitors List

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Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

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About MarketBeat

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Pearl Diver Credit (PDCC) Competitors

PDCC vs. OPRT, CNCK, REFI, CPSS, and XYF

How does Pearl Diver Credit compare to Oportun Financial?

Do analysts rate OPRT or PDCC?

Is OPRT or PDCC more profitable?

Does the media favor OPRT or PDCC?

Which has preferable earnings & valuation, OPRT or PDCC?

Do insiders and institutionals believe in OPRT or PDCC?

Which has more volatility & risk, OPRT or PDCC?

Summary

How does Pearl Diver Credit compare to Coincheck Group?

Do institutionals and insiders believe in CNCK or PDCC?

Do analysts rate CNCK or PDCC?

Is CNCK or PDCC more profitable?

Which has more volatility and risk, CNCK or PDCC?

Does the media favor CNCK or PDCC?

Which has higher valuation and earnings, CNCK or PDCC?

Summary

How does Pearl Diver Credit compare to Chicago Atlantic Real Estate Finance?

Do analysts rate REFI or PDCC?

Do insiders & institutionals believe in REFI or PDCC?

Which has preferable earnings and valuation, REFI or PDCC?

Is REFI or PDCC more profitable?

Is REFI or PDCC a better dividend stock?

Does the media refer more to REFI or PDCC?

Which has more volatility and risk, REFI or PDCC?

Summary

How does Pearl Diver Credit compare to Consumer Portfolio Services?

Do analysts prefer PDCC or CPSS?

Do insiders & institutionals believe in PDCC or CPSS?

Which has better valuation and earnings, PDCC or CPSS?

Is PDCC or CPSS more profitable?

Does the media refer more to PDCC or CPSS?

Which has more risk & volatility, PDCC or CPSS?

Summary

How does Pearl Diver Credit compare to X Financial?

Is PDCC or XYF a better dividend stock?

Which has preferable valuation and earnings, PDCC or XYF?

Do analysts prefer PDCC or XYF?

Is PDCC or XYF more profitable?

Does the media refer more to PDCC or XYF?

Do institutionals and insiders hold more shares of PDCC or XYF?

Which has more risk and volatility, PDCC or XYF?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

PDCC vs. The Competition

Pearl Diver Credit Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools