US · HERZ
Herzfeld Credit Income Fund, Inc.
- Sector
- Financial Services · Asset Management
- Website
- schwab.com
Price · as of 2025-06-30
$17.02
Market cap 23.67M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $116.18 | +582.61% |
| Intrinsic Value(DCF) | $24.78 | +45.59% |
| Graham-Dodd Method(GD) | $29.77 | +74.89% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | |||||
| 2021 | $16.65 | ||||
| 2022 | $14.68 | $38,786.87 | $0.00 | $0.00 | $21,815.68 |
| 2023 | $13.68 | $4,184.78 | $57.38 | $107.78 | |
| 2024 | $10.39 | $622.45 | $25.99 | $36.20 | $0.00 |
| 2025 | $13.83 | $116.18 | $23.09 | $29.77 | $0.00 |
AI valuation
Our deep-learning model estimates Herzfeld Credit Income Fund, Inc.'s (HERZ) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $116.18
- Current price
- $17.02
- AI upside
- +582.61%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$24.78
+45.59% upside
Graham-Dodd
$29.77
+74.89% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HERZ | Herzfeld Credit Income Fu… | $17.02 | 23.67M | +583% | +46% | +75% | — | 21.12 | 0.52 | 10.92 | 21.12 | — | 0.52 | 100.00% | 51.70% | 51.70% | 2.36% | 2.36% | 2.30% | 0.00 | — | 0.66 | 0.66 | -0.01 | -3450.00% | -959.00% | — | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.03% | 21.12 | — | 10.92 | 90.87 |
About Herzfeld Credit Income Fund, Inc.
The Fund’s primary investment objective is to maximize risk adjusted total returns with a secondary objective of generating high current income for stockholders. In accordance with the change in investment objective, the Fund will focus on investing in equity and junior debt tranches of collateralized loan obligations, or “CLOs”. CLOs are portfolios of collateralized loans consisting primarily of below investment grade U.S. senior secured loans with a large number of distinct underlying borrowers across various industry sectors.
- Employees
- 0
- Beta
- 0.71
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($24.78 ÷ $17.02) − 1 = +45.59% (DCF, example).