Herzfeld Credit Income Fund, Inc. (HERZ)

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Herzfeld Credit Income Fund, Inc. (HERZ) is down 18.0% since the beginning of the year. At $18 per share, HERZ is trading 42.4% below its 52-week high of $31.

Based on dividend-adjusted daily data since Jul 7, 2025, HERZ's average daily return is +0.18%, while the average monthly return is +3.82%. At this rate, an investment would double in approximately 1.5 years.

Historically, 50% of months were positive and 50% were negative. The best month was Nov 2025 with a return of +49.0%, while the worst month was Feb 2026 at -23.3%. The longest winning streak lasted 3 consecutive months, and the longest losing streak was 2 months.

On a daily basis, HERZ closed higher 43% of trading days. The best single day was Nov 21, 2025 with a return of +31.9%, while the worst single day was Mar 12, 2026 at -6.9%.

Herzfeld Credit Income Fund, Inc. has an annualized alpha of 50.28%, beta of 0.21, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since July 08, 2025.

• This stock captured 153.82% of S&P 500 Index gains but only 75.96% of its losses - a favorable profile for investors.
• Beta of 0.21 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

The table below present risk-adjusted performance metrics for Herzfeld Credit Income Fund, Inc. (HERZ) and compare them to S&P 500 Index.

Herzfeld Credit Income Fund, Inc. provided a 78.76% dividend yield over the last twelve months, with an annual payout of $14.07 per share.

The table displays the monthly dividend distributions for Herzfeld Credit Income Fund, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Herzfeld Credit Income Fund, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Herzfeld Credit Income Fund, Inc. was 33.63%, occurring on Feb 27, 2026. The portfolio has not yet recovered.

The current Herzfeld Credit Income Fund, Inc. drawdown is 17.96%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Herzfeld Credit Income Fund, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Herzfeld Credit Income Fund, Inc. is priced in the market compared to other companies in the Asset Management industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.