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)
CACCthis companyCredit Acceptance Corporation	$531.75	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+
ATLCAtlanticus Holdings Corporation	$82.16	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+
CPSSConsumer Portfolio Services, Inc.	$10.13	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-
FCFSFirstCash Holdings, Inc	$184.32	21.48×	3.12×	1.94×	9.79×	167.0%	51.7%	15.4%	9.0%	14.5%	8.3%	7.5%	1.24×	2.69×	4.64×	4.55×	1.0%	6	3.42	3	B+
JSMNavient Corporation SR NT 6% 121543	$15.54	-24.8×	0.83×	0.64×	1,654.11×	196.7%	95.2%	81.7%	-2.6%	-3.3%	72.1%	22.1%	2.11×	989.67×	0.98×	0.41×	3.2%	7	0.23	2	C
NNINelnet, Inc.	$133.55	11.48×	1.31×	2.13×	10.46×	202.2%	87.0%	50.6%	18.9%	11.6%	6.2%	8.2%	2.11×	6.12×	2.3×	382.15×	0.9%	8	0.79	3	B
Peer median	—	10.6×	1.31×	1.44×	14.25×	196.7%	87.0%	50.6%	9.0%	11.6%	8.3%	22.1%	2.11×	13.46×	1.12×	1.76×	1.0%	7	0.68	3	—