PDCC vs PDI

Pearl Diver Credit Company Inc. vs PIMCO Dynamic Income Fund — Valuation Comparison 2026

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

Quick Summary — Both PDCC and PDI score 1.7/10 on quality. PDCC trades at $10.04 while PDI trades at $16.72. Both analyzed daily using SEC EDGAR data across 13 institutional models.

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
VS

PDI

Asset Management
PIMCO Dynamic Income Fund
Quality
1.7
out of 10
Value Trap
Price
$16.72
Last close
Models
8/13
Active
PDCC
Markov DDM sees +129.1% upside
Quality 1.7/10 — below average
PDI
2 models active
Quality 1.7/10 — below average

PDCC vs PDI — Fair Value Comparison

PDCC
$0$9$18$27 Price$10.04 Bayesian …$2.61 (-74.0%) Markov DDM$23.26 (+129.1%)
PDI
$0$7$13$20 Price$16.72 Bayesian …$4.84 (-71.1%) Earnings …$7.59 (-56.5%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType PDCC Fair ValuePDCC Upside PDI Fair ValuePDI Upside
Bayesian DCF Intrinsic $2.61 -74.0% $4.84 -71.1%
Earnings Power Value Intrinsic $7.59 -56.5%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $23.26 +129.1% $24.88 +48.8%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%

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

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

How Do PDCC and PDI Valuations Compare?

At $10.04, PDCC trades +74.0% above its Bayesian DCF fair value of $2.61, while PDI at $16.72 trades +71.1% above its estimate of $4.84. PDCC shows a wider gap between price and intrinsic value.

Quality of Company: PDCC vs PDI

PDCC earns a Quality of Company score of 1.7/10 compared to PDI'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: PDCC vs PDI

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

Both in Asset Management

Both PDCC and PDI 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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