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)
ECPGthis companyEncore Capital Group, Inc.	$112.18	4.92×	1.29×	0.72×	8.03×	24.9%	69.0%	35.4%	14.6%	26.3%	8.9%	10.1%	4.23×	6.09×	2.17×	595.09×	0.0%	6	2.33	3	B+
FOAFinance of America Companies Inc.	$13.05	6.47×	0.63×	0.1×	198.35×	-190152.0%	19.4%	5.3%	2.1%	14.0%	0.4%	-209.3%	93.27×	196.99×	0.07×	8×	0.1%	2	-0.01	1	C-
JCAPJefferson Capital, Inc. Common Stock	$19.81	3.57×	1.41×	1.09×	7.09×	448.6%	67.8%	51.6%	30.6%	39.5%	13.0%	39.9%	3.6×	5.06×	2.99×	0.2×	9.5%	7	1.35	3	B
PRAAPRA Group, Inc.	$12.84	-2.27×	0.71×	0.56×	32.69×	-152.2%	99.2%	33.9%	-24.6%	-31.1%	181.0%	-13.0%	0.03×	-3.8×	1.67×	1.68×	0.0%	5	0.83	2	C+
WRLDWorld Acceptance Corporation	$144.75	19.37×	1.93×	1.16×	24.6×	-59.9%	59.3%	7.7%	5.9%	9.9%	3.4%	37.6%	1.88×	12.08×	0.92×	0.77×	0.0%	8	1.37	3	B+
Peer median	—	5.02×	1.06×	0.83×	28.64×	-106.1%	63.5%	20.8%	4.0%	11.9%	8.2%	12.3%	2.74×	8.57×	1.29×	1.23×	0.0%	6	1.09	3	—