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)
BFHthis companyBread Financial Holdings, Inc.	$99.00	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-
BHFBrighthouse Financial, Inc.	$44.00	11.19×	0.55×	0.6×	2.35×	841.8%	70.9%	7.6%	7.0%	6.4%	0.3%	-2.8%	0.47×	-3.57×	3.12×	1.16×	2.8%	6	0.47	3	B+
ENVAEnova International, Inc.	$166.39	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
KMPRKemper Corporation	$32.81	17.55×	0.94×	0.52×	12.41×	-116.7%	29.7%	3.3%	3.0%	5.3%	1.1%	22.0%	0.37×	3.21×	4.17×	0×	3.2%	4	0.54	2	C+
NMIHNMI Holdings, Inc.	$38.16	8.14×	1.22×	4.49×	6.56×	215.7%	91.8%	70.8%	55.1%	15.0%	11.7%	13.0%	0.16×	0.69×	17.55×	1.9×	0.0%	6	2.85	5	A+
TBBKThe Bancorp, Inc.	$49.49	13.53×	4.48×	4.48×	10.4×	-36.9%	74.3%	43.9%	33.1%	33.1%	19.2%	8.3%	0.32×	0.36×	1.72×	0.02×	0.0%	6	-0.75	4	A-
Peer median	—	12.82×	1.22×	1.23×	10.4×	5.7%	70.9%	23.5%	9.8%	15.0%	11.7%	13.0%	0.37×	0.69×	4.17×	0.23×	0.0%	6	0.54	3	—