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)
OPRTthis companyOportun 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-
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-
FOAFinance of America Companies Inc.	$13.00	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-
ISTRInvestar Holding Corporation	$28.19	12.04×	0.87×	1.71×	12.71×	-84.6%	61.0%	18.1%	14.9%	7.6%	-2.8%	6.4%	0.51×	4.12×	0.44×	0.31×	1.8%	6	-0.58	3	B
JRVRJames River Group Holdings, Ltd.	$3.82	6.17×	0.44×	0.43×	4.84×	1858.7%	28.4%	7.4%	6.9%	7.1%	4.5%	-8.1%	0.49×	0.92×	2.15×	0.91×	3.4%	5	0.34	3	B+
MFINMedallion Financial Corp.	$9.91	5.44×	0.57×	0.66×	1.87×	1212.2%	96.7%	50.5%	12.2%	10.5%	4.3%	53.9%	0.77×	0.61×	1.81×	27.1×	4.7%	8	1.4	3	B-
Peer median	—	6.47×	0.63×	0.48×	12.71×	1110.0%	61.0%	18.1%	6.9%	7.6%	4.3%	6.4%	0.77×	4.12×	1.12×	0.91×	1.8%	6	0.21	3	—