OXLCL vs FISI

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

5-Year PerformanceFISI has outperformed OXLCL, delivering a return of +11.9% compared to +5.7%

OXLCL vs FISI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

OXLCL

$770M

FISI

$769M

Max Drawdown

Winner

OXLCL

17.79%

FISI

91.48%

Sharpe Ratio

OXLCL

0.93

Winner

FISI

1.68

5Y Beta

Winner

OXLCL

0.04

FISI

0.87

Industry

OXLCL

N/A

FISI

Banks - Regional

P/E Ratio

OXLCL

N/A

FISI

10.31

Forward P/E

OXLCL

N/A

FISI

11.27

PEG Ratio

OXLCL

N/A

FISI

1.65

Dividend Yield

Winner

OXLCL

7.27%

FISI

3.19%

5Y Dividends CAGR

Winner

OXLCL

64.38%

FISI

14.72%

5Y EPS CAGR

OXLCL

N/A

FISI

5.84%

Debt to Equity

OXLCL

N/A

FISI

30.49%

Free Cash Flow Yield

OXLCL

N/A

FISI

3.52%

P/S Ratio

OXLCL

N/A

FISI

3.19

P/B Ratio

OXLCL

N/A

FISI

1.24

OXLCL vs FISI - Historical Returns

Returns include dividend reinvestment.

Period	OXLCL	FISI
1 month	-0.08%	+7.75%
3 months	+3.41%	+17.90%
6 months	+4.79%	+26.73%
1 year	+10.94%	+54.83%
5 years(CAGR)	+5.70%	+11.95%
10 years(CAGR)	N/A	+8.57%
Max(CAGR)	+6.45%	+7.68%

OXLCL

-0.08%

Winner

FISI

+7.75%

OXLCL

+3.41%

Winner

FISI

+17.90%

OXLCL

+4.79%

Winner

FISI

+26.73%

OXLCL

+10.94%

Winner

FISI

+54.83%

5Y(CAGR)

OXLCL

+5.70%

Winner

FISI

+11.95%

10Y(CAGR)

OXLCL

N/A

FISI

+8.57%

Max(CAGR)

OXLCL

+6.45%

Winner

FISI

+7.68%

OXLCL vs FISI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	OXLCL	FISI
2026	+4.57%	+32.28%
2025	+9.98%	+21.65%
2024	+6.23%	+34.57%
2023	+12.05%	-7.67%
2022	-7.91%	-20.61%
2021	+8.95%	+47.11%
2020	N/A	-25.98%
2019	N/A	+27.25%
2018	N/A	-14.90%
2017	N/A	-5.56%
2016	N/A	+30.50%
2015	N/A	+16.15%
2014	N/A	+8.15%
2013	N/A	+33.79%
2012	N/A	+17.44%
2011	N/A	-13.75%
2010	N/A	+64.64%
2009	N/A	-14.77%
2008	N/A	-17.40%
2007	N/A	-20.97%
2006	N/A	+19.92%
2005	N/A	-15.29%
2004	N/A	-12.53%
2003	N/A	-0.47%
2002	N/A	+26.65%
2001	N/A	+74.95%
2000	N/A	+17.07%
1999	N/A	-10.42%

OXLCL vs FISI Drawdown Comparison

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

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

The current OXLCL drawdown is -0.49%. The current FISI drawdown is -0.10%.

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

Correlation

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

0.71

-101

Dividend Comparison (1999 - 2026)

OXLCL vs FISI dividend yield comparison.

Year	OXLCL	FISI
2026	3.45%	1.60%
2025	7.01%	3.98%
2024	7.24%	4.40%
2023	7.24%	5.63%
2022	7.47%	4.76%
2021	3.76%	3.40%
2020	0.00%	4.62%
2019	0.00%	3.12%
2018	0.00%	3.74%
2017	0.00%	2.73%
2016	0.00%	2.37%
2015	0.00%	2.86%
2014	0.00%	3.06%
2013	0.00%	2.99%
2012	0.00%	3.06%
2011	0.00%	2.91%
2010	0.00%	2.11%
2009	0.00%	3.40%
2008	0.00%	3.76%
2007	0.00%	2.58%
2006	0.00%	1.48%
2005	0.00%	2.04%
2004	0.00%	2.75%
2003	0.00%	2.27%
2002	0.00%	1.98%
2001	0.00%	1.54%
2000	0.00%	3.09%
1999	0.00%	0.66%