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)
JCAPthis companyJefferson Capital, Inc. Common Stock	$19.75	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
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-
ECPGEncore Capital Group, Inc.	$112.77	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+
OPRTOportun Financial Corporation	$11.20	9.98×	0.65×	0.4×	34.61×	-931.6%	63.7%	6.9%	4.0%	6.5%	13.9%	153.7%	7.21×	31.65×	0.19×	9.17×	0.0%	8	0.34	3	B-
Peer median	—	9.98×	0.66×	0.48×	14.25×	24.9%	69.0%	35.4%	4.5%	6.5%	13.9%	141.2%	7.21×	13.46×	1.12×	9.17×	0.0%	7	0.34	3	—