OFS Credit Company, Inc. (OCCI): Marketing Mix Analysis [Dec-2025 Updated]

You're looking at OFS Credit Company, Inc. (OCCI) in late 2025, trying to cut through the market chatter to see if that eye-popping dividend yield is a genuine opportunity or a red flag. Honestly, the numbers tell a compelling, if complex, story: the fund, which holds about $252.2 million in CLO assets as of April 30, 2025, is trading on the NASDAQ around $5.08 while its estimated Net Asset Value is closer to $5.51 as of October 31, 2025. The promotion clearly leans on that massive yield, recently near 29.65%, supported by a $0.115 monthly distribution, but you must weigh that against the 14.34% expense ratio. Let's map out the full Product, Place, Promotion, and Price mix to see exactly what you're buying into here.

OFS Credit Company, Inc. (OCCI) - Marketing Mix: Product

You're analyzing the core offering of OFS Credit Company, Inc. (OCCI), and it's not a physical good; it's a specialized investment vehicle. The product element here is the structure and the resulting income stream delivered to the shareholder.

• Core offering is a closed-end fund investing primarily in CLO equity and debt securities.
• Primary objective is generating current income from floating-rate credit instruments.
• Total investment portfolio fair value was $252.2 million as of April 30, 2025.
• Portfolio includes traditional corporate credit like leveraged loans and high-yield bonds.

The product is designed to give public investors access to the Collateralized Loan Obligation (CLO) asset class, which is typically harder to access directly. The strategy centers on floating-rate instruments, which is a key feature, offering a natural hedge when benchmark rates rise. For the fiscal quarter ended July 31, 2025, the Net Investment Income (NII) per common share was reported at $0.22. More recently, preliminary estimates for the quarter ended October 31, 2025, projected net investment income per share between $0.20 and $0.24, with an estimated Net Asset Value per share ranging from $5.41 to $5.51. That's the value proposition you're looking at.

The structure of the portfolio itself defines the product's risk and return profile. As of December 3, 2025, the Total Investment Exposure stood at $261.652 million. The manager, OFS Capital Management, leverages its dual role as both a CLO equity investor and a CLO manager, which is a significant part of the product's perceived quality, given the senior management averages over 25 years of experience in structuring and investing in this space. The weighted average years of reinvestment period remaining on the investment portfolio was 3.4 years as of July 31, 2025. Also, as of October 31, 2025, the company had $115.9 million of term preferred stock outstanding, which is part of the capital structure supporting the common shareholder product.

Here's a look at how the investment exposure was broken down, based on fair value data, alongside the associated expense structure for the period ending October 31, 2025. You defintely want to see where the costs are coming from.

The product's features include specific characteristics that appeal to income-focused investors, such as a reported forward dividend payout of $1.38 annually. The investment mix is heavily weighted toward structured credit, which is the core of the income generation. The revenue base showed growth, with the firm demonstrating revenue growth of 23.38% over the last twelve months leading up to the preliminary Q4 2025 announcement. Still, you should note that the current ratio was reported at 2.24, which shows strong short-term liquidity to support operations.

• Portfolio weighted by fair value as of July 31, 2025, showed a weighted average years of reinvestment period remaining of 3.4 years.
• Preliminary estimated Net Asset Value per common share for the quarter ended October 31, 2025, was between $5.41 and $5.51.
• The total annual expense ratio, as of October 31, 2025, was 12.20%.
• Term preferred stock outstanding as of October 31, 2025, was $115.9 million.

Finance: draft 13-week cash view by Friday.

OFS Credit Company, Inc. (OCCI) - Marketing Mix: Place

You're looking at how OFS Credit Company, Inc. (OCCI) makes its shares available to investors. The primary channel for accessing OCCI is through the public markets, which is key for a closed-end fund like this one.

Shares are publicly traded on the NASDAQ under the ticker OCCI. As of the preliminary figures for the fiscal quarter ended October 31, 2025, the stock was trading at $4.53 per share, giving the company an estimated market capitalization of $125 million. To be fair, the bid/ask spread around that time showed a bid of $4.42 X 100 and an ask of $5.42 X 100 on the Nasdaq exchange.

Access for the individual investor is through standard US online brokerage platforms like ETRADE or Charles Schwab. This means distribution relies on the existing infrastructure of major retail and institutional brokers. Furthermore, OFS Credit Company, Inc. offers a Dividend Reinvestment Plan (DRIP) where common stockholders can receive distributions by purchasing new shares at a 5% discount to the market price on the valuation date. That discount is a direct incentive built into the distribution mechanism.

The operational side of OFS Credit Company, Inc. is managed by OFS Capital Management, LLC. This investment adviser is headquartered in Chicago, IL, specifically at 222 West Adams Chicago, IL 60606, and also maintains offices in New York and Los Angeles. The scale of the management platform is significant; as of May 15, 2025, OFS Capital Management, LLC reported Assets Under Management (AUM) of $1.9 B. Looking at the broader platform including affiliates like OFS CLO Management, LLC, the total AUM was reported at $4.1 billion as of June 30, 2025. This management structure is central to the fund's placement strategy, as the adviser handles the investment decisions for the publicly traded vehicle.

The structure itself dictates the distribution limitations. OFS Credit Company, Inc. is a non-diversified, closed-end management investment company. This structure means its shares are fixed in number unless a new offering occurs, which contrasts with open-end funds. As of October 31, 2025, the company had $115.9 million of term preferred stock outstanding, which represents a layer of capital structure that impacts common shareholder access and returns.

Here's a quick look at the key entities and associated figures related to the fund's management and capital structure as of mid-to-late 2025:

The distribution method is heavily reliant on the secondary market for common shares, supplemented by the Dividend Reinvestment Plan. You should check with your broker for direct access, as that's the standard route for buying shares of OCCI.

OFS Credit Company, Inc. (OCCI) - Marketing Mix: Promotion

You're looking at how OFS Credit Company, Inc. (OCCI) communicates its value proposition to the market, which, for a company like this, centers almost entirely on its income stream. The promotion strategy is direct: highlight the yield. It's the primary message to the target audience of income-focused investors.

The main draw is the high dividend yield. While you mentioned a figure, the latest reported yields hover near the high 20s. For instance, one recent report pegged the dividend yield at 28.51%. Other figures circulating include 26.9005832672% and 27.17%. This aggressive yield focus is the core of their promotional messaging.

This high yield is supported by consistent cash payouts. OFS Credit Company, Inc. declared monthly cash distributions of $0.115 per common share for each of the three months in the quarter ending October 31, 2025. That translates to an annual dividend of $1.38 per share based on these recent monthly declarations.

The promotion also involves timely updates on financial health to back up those distributions. Investor relations actively releases preliminary estimates to keep the market informed between formal earnings reports. For example, on November 17, 2025, OFS Credit Company, Inc. announced preliminary estimates for its Fourth Fiscal Quarter 2025, which ended October 31, 2025.

Here's a quick look at those preliminary estimates, which you should treat as directional until the final audited figures are out:

It's worth noting that as of October 31, 2025, the company reported $115.9 million of term preferred stock outstanding. Also, the stock was trading near its 52-week low of $4.55 around the time of the preliminary release, with a market capitalization around $125 million. Still, the company showed revenue growth of 23.38% over the last twelve months.

To encourage long-term holding and reinvestment, the Dividend Reinvestment Plan (DRIP) is a key promotional tool. The DRIP offers common stockholders the opportunity to receive a 5% discount on share purchases. This means shares are issued based on 95% of the market price on the valuation date, which is typically the payment date.

The communication strategy is clearly focused on the income metric, using the high yield and consistent monthly pay to drive interest. Finance: draft a comparison of the preliminary Q4 NAV to the latest reported NAV by next Tuesday.

OFS Credit Company, Inc. (OCCI) - Marketing Mix: Price

Price, for OFS Credit Company, Inc. (OCCI), centers on the market valuation of its common stock relative to its underlying asset value and the cost of capital reflected in its operational metrics. This element involves the market's assessment of the value derived from its investment objective: generating current income, with a secondary goal of capital appreciation, primarily through investment in collateralized loan obligation (CLO) equity and debt securities.

The current market pricing reflects a significant divergence from the estimated intrinsic value as of late 2025. Here's a quick look at the valuation spread based on preliminary figures:

The stock is trading at a defintely significant discount to its estimated NAV. This pricing dynamic is a key factor for any customer-the shareholder-considering the cost of entry versus the stated value of the assets held by OFS Credit Company, Inc. (OCCI).

Key financial figures related to the pricing and cost structure for shareholders include:

• Stock price was around $5.08 as of December 4, 2025.
• Estimated Net Asset Value (NAV) per share was $5.41-$5.51 as of October 31, 2025.
• Forward annual dividend rate is $1.38 per share.
• The monthly common stock cash distributions declared were $0.115 per share for November and December 2025 and January 2026.
• High expense ratio of 14.34% impacts net returns.
• Term preferred stock outstanding was $115.9 million as of October 31, 2025.
• The forward dividend yield is noted around 27.17% to 27.38%.

The pricing strategy also involves capital management tools, such as the at-the-market equity program, which confirmed an aggregate offering capacity of up to $200.0 million of common stock. Furthermore, OFS Credit Company, Inc. (OCCI) entered a Master Repurchase Agreement with Nomura Securities International for up to $25 million in repurchase transactions for CLO securities.