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)
NAVIthis companyNavient 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-
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
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
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
SLMSLM Corporation	$17.30	7.69×	2.29×	1.8×	7.16×	89.4%	53.1%	31.9%	24.0%	30.4%	8.6%	10.3%	2.39×	1.61×	0.88×	0.28×	12.5%	7	-0.02	3	B
Peer median	—	9.58×	1.36×	1.48×	8.81×	145.8%	60.4%	41.3%	21.4%	21.0%	7.4%	9.2%	2.25×	4.92×	1.59×	0.59×	6.5%	8	0.38	3	—