4Q25 Penn Capital Credit Commentary

Jan 22, 2026

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Investing in the stock market involves gains and losses and may not be suitable for all investors. Investing involves risk including loss of principal. Investing in equity securities is speculative and involves substantial risk.

In addition to the normal risks associated with investing, international investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. Diversification does not prevent all investment losses.

The information presented herein is not to be used or considered as an offer or invitation to sell or issue or any solicitation of any offer or invitation to buy securities or other financial instruments, or any advice or recommendation with respect to such securities or other financial instruments. Penn Capital has not considered any reader’s financial situation, objective or needs in providing the relevant information.