Carlyle Credit Income Fund (CCIF)

Carlyle Credit Income Fund (CCIF) Financial Services Profile

Carlyle Credit Income Fund (CCIF) is a closed-end mutual fund specializing in fixed-income securities, leveraging expertise in credit asset management to deliver strong income generation while maintaining a diversified portfolio.

What Is the Investment Thesis for CCIF?

Carlyle Credit Income Fund (CCIF) presents a unique investment thesis centered on its robust income generation capabilities, evidenced by a remarkable profit margin of 3301.8% and a dividend yield of 36.53%. The fund's strategy of investing in senior secured loans provides a stable income stream, appealing to income-focused investors. With a market capitalization of $59.36M and a P/E ratio of 5.98, CCIF is positioned to capitalize on the growing demand for fixed-income investments. Key growth catalysts include the increasing need for diversification in investment portfolios and potential expansion of its investment strategy to include more sectors. However, investors should remain cautious of ongoing risks associated with interest rate fluctuations, which could impact the fund’s net asset value and overall performance.

Based on FMP financials and quantitative analysis

CCIF Key Highlights

• Market capitalization of $59.36M, indicating a focused investment strategy.
• P/E ratio of 5.98, suggesting a potentially undervalued position in the market.
• Profit margin of 3301.8%, reflecting strong income generation capabilities.
• Gross margin of 498.7%, showcasing effective management of operating costs.
• Dividend yield of 36.53%, appealing to income-focused investors.

Who Are CCIF's Competitors?

CCIF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are CCIF's Key Strengths?

• High profit margin of 3301.8%, indicating strong income generation.
• Diversified investment strategy across various sectors.
• Experienced management team with a focus on credit assets.

What Are CCIF's Weaknesses?

• Closed-end fund structure may limit capital raising capabilities.
• Potential vulnerability to interest rate fluctuations affecting net asset value.
• Dependence on the performance of the underlying securities.

What Could Drive CCIF Stock Higher?

• Continued growth in the fixed-income market as interest rates remain low.
• CCIF's focus on senior secured loans provides a stable income stream.
• Diversification across sectors helps mitigate risks associated with specific industries.

What Are the Key Risks for CCIF?

• Financial-distress signal — its Altman Z-Score of -1.25 sits in the distress zone (elevated bankruptcy risk).
• Interest rate fluctuations may adversely affect the fund's net asset value.
• Credit quality deterioration of underlying securities could impact income generation.
• Regulatory changes affecting the asset management industry could introduce new challenges.

What Are the Growth Opportunities for CCIF?

• Growth opportunity 1: The increasing demand for fixed-income securities is projected to grow significantly, with the global bond market expected to reach $128 trillion by 2026. CCIF's strategy of investing in senior secured loans positions it to capture a significant share of this expanding market, enhancing its income generation potential and attracting more investors seeking stable returns.
• Growth opportunity 2: As more investors seek diversification in their portfolios, CCIF's focus on a diversified range of sectors provides a competitive advantage. The trend towards alternative investments is expected to continue, with private credit markets growing at a CAGR of 10% through 2025. This shift allows CCIF to leverage its expertise in sourcing and managing credit assets to attract new capital.
• Growth opportunity 3: The ongoing low-interest-rate environment is driving investors towards high-yield opportunities. CCIF's impressive dividend yield of 36.53% positions it as a noteworthy option for income-seeking investors. By maintaining a focus on high-quality credit assets, CCIF can capitalize on this trend and potentially increase its assets under management.
• Growth opportunity 4: The potential for regulatory changes in the financial services sector could open new avenues for investment strategies. If regulations allow for greater flexibility in investment types, CCIF could expand its portfolio to include more diverse asset classes, enhancing its growth prospects and income generation capabilities.
• Growth opportunity 5: Technological advancements in asset management, such as the use of AI and data analytics, can improve investment decision-making processes. By adopting these technologies, CCIF can enhance its portfolio management efficiency, leading to better performance outcomes and potentially attracting more investors.

What Opportunities Does CCIF Have?

• Growing demand for fixed-income securities in a low-interest-rate environment.
• Potential regulatory changes allowing for greater investment flexibility.
• Technological advancements improving asset management efficiency.

What Threats Does CCIF Face?

• Interest rate volatility impacting the fund's performance.
• Increased competition from other asset management firms.
• Economic downturns affecting the credit quality of underlying investments.

What Are CCIF's Competitive Advantages?

• Strong expertise in credit asset management through experienced advisors.
• A diversified portfolio that reduces risk and enhances income potential.
• Established track record since 2011, providing credibility and trust to investors.

What Does CCIF Do?

Carlyle Credit Income Fund (CCIF) was established on December 30, 2011, and is managed by Vertical Capital Asset Management, LLC, with co-management from Behringer Advisors, LLC. The fund is designed to invest primarily in fixed-income securities, focusing on generating current income while also seeking capital appreciation. Its investment strategy emphasizes a diversified portfolio, primarily targeting senior secured loans across various sectors. By benchmarking its performance against the Barclays Capital U.S. Mortgage Backed Securities Index, CCIF aims to provide a reliable measure of its investment success. The fund's structure as a closed-end mutual fund allows it to raise capital through an initial public offering and subsequently trade on the market, providing liquidity to investors. Over the years, CCIF has positioned itself as a player in the asset management industry, particularly in the niche of fixed-income investments, appealing to investors seeking income generation in a low-interest-rate environment. The fund's focus on diversification across sectors and credit quality aims to mitigate risks while enhancing returns for its investors.

What Products and Services Does CCIF Offer?

• Carlyle Credit Income Fund primarily invests in fixed-income securities.
• The fund focuses on generating current income and capital appreciation.
• It benchmarks its performance against the Barclays Capital U.S. Mortgage Backed Securities Index.
• CCIF is managed by Vertical Capital Asset Management, LLC, and co-managed by Behringer Advisors, LLC.
• The fund invests in a diversified portfolio across various sectors.
• It operates as a closed-end mutual fund, providing liquidity to investors.

How Does CCIF Make Money?

• CCIF generates income through investments in senior secured loans and fixed-income securities.
• The fund earns management fees based on assets under management.
• It seeks to provide high dividend yields to attract income-focused investors.
• CCIF's investment strategy focuses on diversification to mitigate risks and enhance returns.

What Industry Does CCIF Operate In?

The asset management industry is characterized by a growing demand for diversified investment strategies, particularly in fixed-income securities. As interest rates fluctuate, investors are increasingly seeking stable income sources, positioning funds like Carlyle Credit Income Fund favorably within the market. The global asset management market was valued at approximately $89 trillion in 2021, with fixed-income investments representing a significant portion of this. CCIF's focus on senior secured loans and diversified sector exposure aligns well with current market trends, providing a competitive edge in attracting income-driven investors.

Who Are CCIF's Key Customers?

• Individual investors seeking stable income through fixed-income investments.
• Institutional investors looking for diversified asset management solutions.
• Financial advisors recommending income-generating products to their clients.

Carlyle Credit Income Fund (CCIF) Valuation Context

Valued at $59.36M, CCIF is classified as a micro-cap stock. Relative to its peer group, CCIF's quantitative score of 39/100 is below the peer average of 54/100.

CCIF Revenue & Earnings Trend

In Q4 2025, CCIF generated $5.5M in top-line revenue, marking a sequential increase of 1183.8%. The company recorded a net loss of $13.7M, with diluted EPS of $-0.65.

Company Profile

Carlyle Credit Income Fund operates in the Asset Management industry within the Financial Services sector. It is headquartered in Dallas, United States.

ROE 0%Key Financial Metrics

Return on equity for Carlyle Credit Income Fund stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. CCIF trades at a trailing price-to-earnings ratio of 5.98, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.

F-Score 4/9Financial Health

Carlyle Credit Income Fund's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -1.25 places it in the distress zone, a signal of elevated financial risk.

FY2026 estForward Outlook

Wall Street analysts project Carlyle Credit Income Fund revenue of about $23.7M for fiscal 2026, with EPS near $0.37. The estimate reflects 3 contributing analysts.

CCIF Financials

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CCIF Analyst Consensus

CCIF MoonshotScore

Carlyle Credit Income Fund Financial Services Stock: Key Questions Answered

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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