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)
PRAAthis companyPRA Group, Inc.	$12.47	-2.27×	0.71×	0.56×	32.69×	-152.2%	99.2%	33.9%	-24.6%	-31.1%	181.0%	-13.0%	0.03×	-3.8×	1.67×	1.68×	0.0%	5	0.83	2	C+
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+
JCAPJefferson 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
Peer median	—	4.24×	1.35×	0.9×	7.56×	236.8%	68.4%	43.5%	22.6%	32.9%	11.0%	25.0%	3.91×	5.57×	2.58×	297.65×	4.7%	7	1.84	3	—