PCM vs PDCC

PCM Fund, Inc. vs Pearl Diver Credit Company Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — Both PCM and PDCC score 1.7/10 on quality. PCM trades at $5.68 while PDCC trades at $10.04. Both analyzed daily using SEC EDGAR data across 13 institutional models.

PCM

Asset Management
PCM Fund, Inc.
Quality
1.7
out of 10
Value Trap
Price
$5.68
Last close
Models
10/13
Active
VS

PDCC

Asset Management
Pearl Diver Credit Company Inc.
Quality
1.7
out of 10
Value Trap
Price
$10.04
Last close
Models
6/13
Active
PCM
RCMH-DCF sees +35.3% upside
Quality 1.7/10 — below average
PDCC
Markov DDM sees +129.1% upside
Quality 1.7/10 — below average

PCM vs PDCC — Fair Value Comparison

PCM
$0$3$6$9 Price$5.68 Bayesian …$1.48 (-74.0%) RCMH-DCF$7.66 (+35.3%)
PDCC
$0$9$18$27 Price$10.04 Bayesian …$2.61 (-74.0%) Markov DDM$23.26 (+129.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType PCM Fair ValuePCM Upside PDCC Fair ValuePDCC Upside
Bayesian DCF Intrinsic $1.48 -74.0% $2.61 -74.0%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $23.26 +129.1%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $7.66 +35.3%

PCM vs PDCC — Which Stock Is More Undervalued in 2026?

Both PCM and PDCC score 1.7/10 on quality. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do PCM and PDCC Valuations Compare?

At $5.68, PCM trades +74.0% above its Bayesian DCF fair value of $1.48, while PDCC at $10.04 trades +74.0% above its estimate of $2.61. PCM shows a wider gap between price and intrinsic value.

Quality of Company: PCM vs PDCC

PCM earns a Quality of Company score of 1.7/10 compared to PDCC's 1.7/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: PCM vs PDCC

Review the value trap analysis for both PCM and PDCC to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Asset Management

Both PCM and PDCC operate in Asset Management, which has 448 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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