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)
ATLCthis companyAtlanticus Holdings Corporation	$84.60	9.06×	1.66×	1.44×	40.88×	102.5%	56.3%	22.7%	17.3%	20.1%	1.7%	62.5%	10.75×	34.91×	0.53×	1.76×	1.2%	7	0.68	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-
CACCCredit Acceptance Corporation	$531.45	11.59×	3.22×	2.12×	10.21×	18.4%	98.7%	47.6%	18.3%	27.8%	8.6%	21.4%	4.17×	5.55×	2.38×	0.26×	0.0%	6	2.22	3	B+
CPSSConsumer Portfolio Services, Inc.	$9.88	10.6×	0.66×	0.48×	14.25×	1110.0%	99.6%	60.8%	4.5%	6.2%	2831.3%	141.2%	11.33×	13.46×	1.12×	0.44×	0.0%	7	0.21	3	B-
ENVAEnova International, Inc.	$170.99	12.82×	2.91×	1.23×	15.82×	5.7%	50.1%	23.5%	9.8%	23.1%	247.3%	45.5%	3.41×	8.48×	4.36×	0.23×	0.0%	6	1.68	3	B
Peer median	—	11.59×	1×	1.16×	10.54×	5.7%	63.3%	23.5%	9.8%	15.6%	8.6%	45.5%	3.41×	5.55×	1.12×	0.27×	0.0%	7	0.21	3	—