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)
JSMthis companyNavient 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
AGMFederal Agricultural Mortgage	$181.72	10.49×	1.11×	1.45×	124.38×	-162.0%	29.5%	19.4%	15.7%	12.1%	0.6%	4.2%	17.93×	116.89×	0.28×	0.12×	4.6%	7	0.37	2	C+
ALLYAlly Financial Inc.	$38.80	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
CACCCredit 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+
NAVINavient Corporation	$8.08	-16.05×	0.54×	0.4×	18.14×	-2118.9%	87.0%	77.1%	-2.5%	-3.3%	3.7%	34.3%	19.05×	17.62×	0.96×	0.74×	4.9%	5	0.23	2	B-
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	—	11.48×	1.11×	1.45×	10.54×	-162.0%	87.0%	47.6%	15.7%	11.6%	3.7%	8.2%	4.17×	6.12×	0.96×	0.74×	3.5%	7	0.37	3	—