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)
NNIthis companyNelnet, 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
AUBAtlantic Union Bankshares Corporation	$40.29	17.39×	0.91×	2.23×	15.24×	115.0%	60.3%	16.6%	13.5%	5.5%	4.1%	1.9%	0.3×	3.31×	0.51×	6.81×	4.2%	7	0.16	3	B+
AXAxos Financial, Inc.	$94.54	11.25×	1.74×	2.52×	7.54×	-26.0%	63.0%	29.5%	22.4%	15.5%	9.7%	5.3%	0.34×	-0.05×	0.91×	0.07×	0.0%	8	-0.46	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+
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
LAZLazard Inc	$39.79	19.98×	5.42×	1.49×	12.92×	-3.7%	31.8%	13.0%	7.4%	27.1%	8.8%	10.7%	2.95×	2.39×	4.74×	29.35×	3.9%	7	2.46	3	B+
Peer median	—	11.59×	1.74×	2.12×	12.92×	18.4%	63.0%	29.5%	13.5%	15.5%	8.8%	10.7%	2.11×	3.31×	0.98×	0.41×	3.2%	7	0.23	3	—