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)
SLMthis companySLM Corporation	$17.38	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
CACCCredit Acceptance Corporation	$531.45	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+
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+
FCFSFirstCash Holdings, Inc	$187.26	21.48×	3.12×	1.94×	9.79×	167.0%	51.7%	15.4%	9.0%	14.5%	8.3%	7.5%	1.24×	2.69×	4.64×	4.55×	1.0%	6	3.42	3	B+
JSMNavient Corporation SR NT 6% 121543	$15.44	-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
NAVINavient Corporation	$8.01	-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-
Peer median	—	4.92×	1.29×	0.72×	10.21×	24.9%	87.0%	47.6%	9.0%	14.5%	8.6%	21.4%	4.17×	6.09×	2.17×	0.74×	1.0%	6	2.22	3	—