Company	Price	Valuation					Profitability					Cash & leverage					Quality				Rating
		P/E	P/B	P/S	EV / EBITDA	DCF upside	Gross margin	Operating margin	Net margin	ROE	ROIC	FCF yield	Debt / equity	Net debt / EBITDA	Interest coverage	Current ratio	Dividend yield	Piotroski (0-9)	Altman Z	Rating score (1-5)
AFRMthis companyAffirm Holdings, Inc.	$69.25	14.16×	4.98×	6.92×	27.78×	-222.9%	69.1%	22.1%	48.9%	35.2%	15.6%	3.6%	1.79×	5.91×	1.92×	12.73×	0.0%	5	1.84	3	B
ALLYAlly Financial Inc.	$38.76	18.95×	0.91×	1.16×	10.54×	-354.7%	52.0%	8.6%	7.0%	5.5%	2.3%	-4.6%	1.4×	4.79×	0.16×	0.9×	3.5%	8	-0.62	3	B
BFHBread Financial Holdings, Inc.	$99.27	6.65×	1×	0.71×	5.93×	-15.7%	63.3%	13.1%	11.0%	15.6%	6.5%	62.9%	1.32×	1.14×	0.72×	0.27×	1.3%	8	-0.04	4	A-
COFCapital One Financial Corporation	$200.38	60.14×	1.15×	1.89×	16.52×	177.3%	47.3%	3.3%	3.5%	2.2%	1.1%	19.9%	0.45×	-0.85×	0.14×	0.15×	1.3%	9	-0.12	4	A-
PRGPROG Holdings, Inc.	$37.08	8.06×	1.58×	0.49×	2.33×	920.2%	33.0%	9.9%	6.1%	19.7%	11.2%	27.5%	0.82×	0.47×	6.06×	11.22×	1.8%	5	4.1	4	A
PYPLPayPal Holdings, Inc.	$59.90	10.69×	2.76×	1.69×	7.53×	128.2%	46.6%	18.3%	15.8%	25.8%	15.0%	9.9%	0.49×	0.25×	13.75×	1.29×	0.2%	7	1.93	4	A-
Peer median	—	10.69×	1.15×	1.16×	7.53×	128.2%	47.3%	9.9%	7.0%	15.6%	6.5%	19.9%	0.82×	0.47×	0.72×	0.9×	1.3%	8	-0.04	4	—