Stock fact sheet · data as of
Pearl Diver Credit Company Inc. (PDPA): fair value, margin of safety and Wheel Score
Ticker symbol PDPA · Financial Services · Asset Management · United Kingdom · Preferred stock · Speculative Income
PDPA is not Pearl Diver Credit Company Inc.'s common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share.
Is PDPA undervalued?
PDPA has a margin of safety of 64%: the stock closed at 25.10 on 5 Nov 2026 against a GLS average fair value of 70.17. 2 of the 3 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files PDPA under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan. It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for PDPA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 11.04 | -56% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 167.25 | +566% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 32.22 | +28% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -3.79 | -115% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for PDPA (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 3.5/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -13.9%, ROE -14.6%, ROA -13.7% - with debt at 0.05 times equity and a free-cash-flow yield of 107.0%.
The dividend yield is high at 27.58% (payout ratio -294%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | -13.9% |
|---|---|---|---|
| GLS Moat | 3.5 / 10 | ROE | -14.6% |
| Debt / equity | 0.05 | ROA | -13.7% |
| Free-cash-flow yield | 107.0% | Payout ratio | -294% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 29: No options
No options are listed on Pearl Diver Credit Company Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 29, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 4k shares a day on a market cap of $54M, with a beta of 0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $54M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 64% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.5/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.11, $54M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PDPA in the nightly calendar. The shares go ex-dividend on 16 Nov 2026 (0.1667 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Asset Management
The 12 companies below are the closest to Pearl Diver Credit Company Inc. by market cap within the Asset Management industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PDCC Pearl Diver Credit Company Inc. | 7.94 | 70.17 | +89% | 28No options | $54M |
| IICAX AMF Large Cap Equity Fund | 12.76 | 108.60 | +88% | 23No options | $54M |
| ADKSX Adirondack Small Cap Fund | 38.57 | - | - | 14No options | $55M |
| DBE Invesco DB Energy Fund | 35.84 | 35.66 | -1% | 26Weak | $56M |
| OFS OFS Capital Corporation | 3.84 | 73.19 | +95% | 34Weak | $51M |
| SPLS PIMCO US Stocks PLUS Active Bond ETF | 55.36 | 701.21 | +92% | 29No options | $57M |
| OFSSH OFS Capital Corporation 4.95% Notes due 2028 | 23.39 | 73.19 | +68% | 24No options | $50M |
| RSF RiverNorth Capital and Income Fund, Inc. | 14.25 | 25.23 | +44% | 26No options | $49M |
| POW VistaShares Electrification Supercycle ETF | 22.20 | 1.53 | -1353% | 25Weak | $59M |
| OCCI OFS Credit Company, Inc. | 1.67 | 17.36 | +90% | 27No options | $49M |
| XXI Twenty One Capital Inc | 5.83 | - | - | 19Weak | $60M |
| RPXFX RiverParks Large Growth Fund Retail Shares | 28.83 | 39.27 | +27% | 22No options | $48M |
⚖ Compare PDPA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PDPA
Is PDPA the same as Pearl Diver Credit Company Inc. stock?
No. PDPA is not Pearl Diver Credit Company Inc.'s common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share.
Is PDPA undervalued right now?
By the GLS models, yes: at 25.10 the stock is 64% below the average fair value of 70.17 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PDPA and what does it mean?
PDPA has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PDPA?
70.17 per share as of 5 Nov 2026 - the simple average of the 3 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Pearl Diver Credit Company Inc. report earnings next?
No upcoming earnings date is recorded for PDPA in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does PDPA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PDPA, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.