FISI vs OXLCL

Comparison between Financial Institutions Inc (FISI, Company) and Oxford Lane Capital Corp (OXLCL, Company).

5-Year PerformanceFISI has outperformed OXLCL, delivering a return of +11.5% compared to +5.7%

FISI vs OXLCL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	FISI(COMPANY)	OXLCL(COMPANY)
Market Cap	$769M	$770M
Max Drawdown	91.48%	17.79%
Sharpe Ratio	1.68	0.93
5Y Beta	0.87	0.04
Industry	Banks - Regional	N/A
P/E Ratio	10.31	N/A
Forward P/E	11.27	N/A
PEG Ratio	1.65	N/A
Dividend Yield	3.19%	7.27%
5Y Dividends CAGR	14.72%	64.38%
5Y EPS CAGR	5.84%	N/A
Debt to Equity	30.49%	N/A
Free Cash Flow Yield	3.52%	N/A
P/S Ratio	3.19	N/A
P/B Ratio	1.24	N/A

Market Cap

FISI

$769M

Winner

OXLCL

$770M

Max Drawdown

FISI

91.48%

Winner

OXLCL

17.79%

Sharpe Ratio

Winner

FISI

1.68

OXLCL

0.93

5Y Beta

FISI

0.87

Winner

OXLCL

0.04

Industry

FISI

Banks - Regional

OXLCL

N/A

P/E Ratio

FISI

10.31

OXLCL

N/A

Forward P/E

FISI

11.27

OXLCL

N/A

PEG Ratio

FISI

1.65

OXLCL

N/A

Dividend Yield

FISI

3.19%

Winner

OXLCL

7.27%

5Y Dividends CAGR

FISI

14.72%

Winner

OXLCL

64.38%

5Y EPS CAGR

FISI

5.84%

OXLCL

N/A

Debt to Equity

FISI

30.49%

OXLCL

N/A

Free Cash Flow Yield

FISI

3.52%

OXLCL

N/A

P/S Ratio

FISI

3.19

OXLCL

N/A

P/B Ratio

FISI

1.24

OXLCL

N/A

FISI vs OXLCL - Historical Returns

Returns include dividend reinvestment.

Period	FISI	OXLCL
1 month	+6.21%	-0.41%
3 months	+12.87%	+3.63%
6 months	+24.48%	+4.57%
1 year	+50.19%	+10.62%
5 years(CAGR)	+11.54%	+5.65%
10 years(CAGR)	+8.39%	N/A
Max(CAGR)	+7.61%	+6.40%

Winner

FISI

+6.21%

OXLCL

-0.41%

Winner

FISI

+12.87%

OXLCL

+3.63%

Winner

FISI

+24.48%

OXLCL

+4.57%

Winner

FISI

+50.19%

OXLCL

+10.62%

5Y(CAGR)

Winner

FISI

+11.54%

OXLCL

+5.65%

10Y(CAGR)

FISI

+8.39%

OXLCL

N/A

Max(CAGR)

Winner

FISI

+7.61%

OXLCL

+6.40%

FISI vs OXLCL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	FISI	OXLCL
2026	+29.93%	+4.36%
2025	+21.65%	+9.98%
2024	+34.57%	+6.23%
2023	-7.67%	+12.05%
2022	-20.61%	-7.91%
2021	+47.11%	+8.95%
2020	-25.98%	N/A
2019	+27.25%	N/A
2018	-14.90%	N/A
2017	-5.56%	N/A
2016	+30.50%	N/A
2015	+16.15%	N/A
2014	+8.15%	N/A
2013	+33.79%	N/A
2012	+17.44%	N/A
2011	-13.75%	N/A
2010	+64.64%	N/A
2009	-14.77%	N/A
2008	-17.40%	N/A
2007	-20.97%	N/A
2006	+19.92%	N/A
2005	-15.29%	N/A
2004	-12.53%	N/A
2003	-0.47%	N/A
2002	+26.65%	N/A
2001	+74.95%	N/A
2000	+17.07%	N/A
1999	-10.42%	N/A

FISI vs OXLCL Drawdown Comparison

The maximum drawdown for FISI was -89.97%, occurring on Feb 27, 2009. Recovery took 3397 trading sessions.

The maximum drawdown for OXLCL was -13.16%, occurring on Nov 4, 2022. Recovery took 414 trading sessions.

The current FISI drawdown is -1.87%. The current OXLCL drawdown is -0.70%.

Rank	FISI	OXLCL
#1	-89.97% May 2, 2002 - Oct 28, 2015	-13.16% Jan 10, 2022 - Sep 5, 2023
#2	-56.22% Dec 17, 2019 - Mar 8, 2021	-4.82% Sep 20, 2023 - Dec 12, 2023
#3	-52.42% Jan 7, 2022 - Dec 13, 2024	-4.51% Oct 8, 2024 - Jun 13, 2025
#4	-31.82% Aug 27, 2001 - Jan 17, 2002	-3.16% Aug 4, 2021 - Oct 19, 2021
#5	-26.81% Feb 19, 2025 - Oct 24, 2025	-3.07% Mar 2, 2026 - Apr 20, 2026
#6	-26.55% Jun 22, 2018 - Nov 25, 2019	-2.60% Dec 18, 2023 - Jan 2, 2024
#7	-25.95% Feb 24, 2017 - Jun 19, 2018	-2.44% Apr 10, 2024 - Jun 25, 2024
#8	-23.64% Dec 2, 1999 - Jun 2, 2000	-2.03% Mar 14, 2024 - Mar 21, 2024
#9	-15.53% May 9, 2001 - Aug 14, 2001	-1.90% Jun 26, 2024 - Aug 8, 2024
#10	-15.10% Sep 14, 2000 - Mar 20, 2001	-1.81% Jul 15, 2025 - Aug 28, 2025
#11	-14.85% Mar 29, 2016 - Nov 11, 2016	-1.41% May 25, 2021 - Jun 24, 2021
#12	-13.72% Feb 6, 2026 - Apr 17, 2026	-1.39% Jul 2, 2026 - Jul 15, 2026
#13	-13.55% May 4, 2021 - Aug 11, 2021	-1.26% Sep 5, 2023 - Sep 20, 2023
#14	-13.28% Aug 11, 2021 - Nov 1, 2021	-1.25% Sep 15, 2025 - Nov 5, 2025
#15	-13.19% Jun 8, 2000 - Sep 14, 2000	-1.22% Jun 18, 2026 - Jul 2, 2026

Correlation

Correlation between FISI and OXLCL is 0.71 which considered as a strong positive correlation - the stocks tend to move together.

0.71

-101

Dividend Comparison (1999 - 2026)

FISI vs OXLCL dividend yield comparison.

Year	FISI	OXLCL
2026	1.63%	3.46%
2025	3.98%	7.01%
2024	4.40%	7.24%
2023	5.63%	7.24%
2022	4.76%	7.47%
2021	3.40%	3.76%
2020	4.62%	0.00%
2019	3.12%	0.00%
2018	3.74%	0.00%
2017	2.73%	0.00%
2016	2.37%	0.00%
2015	2.86%	0.00%
2014	3.06%	0.00%
2013	2.99%	0.00%
2012	3.06%	0.00%
2011	2.91%	0.00%
2010	2.11%	0.00%
2009	3.40%	0.00%
2008	3.76%	0.00%
2007	2.58%	0.00%
2006	1.48%	0.00%
2005	2.04%	0.00%
2004	2.75%	0.00%
2003	2.27%	0.00%
2002	1.98%	0.00%
2001	1.54%	0.00%
2000	3.09%	0.00%
1999	0.66%	0.00%