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)
SOFIthis companySoFi Technologies, Inc.	$16.82	62.33×	2.87×	6.31×	35.68×	-5.7%	75.1%	11.0%	10.1%	4.6%	3.8%	-13.2%	0.18×	-3.94×	0.45×	0.24×	0.0%	4	0.23	2	C+
AFRMAffirm Holdings, Inc.	$68.49	14.16×	4.98×	6.92×	27.78×	-222.9%	69.1%	22.1%	48.9%	35.2%	15.6%	3.6%	1.79×	5.91×	1.92×	12.73×	0.0%	5	1.84	3	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
AXPAmerican Express Company	$325.14	24.01×	7.68×	3.2×	17.16×	-37.3%	83.2%	17.1%	13.5%	32.4%	8.3%	6.2%	1.73×	0.65×	1.68×	0.28×	0.9%	8	2.18	3	B+
COFCapital One Financial Corporation	$201.33	60.14×	1.15×	1.89×	16.52×	177.3%	47.3%	3.3%	3.5%	2.2%	1.1%	19.9%	0.45×	-0.85×	0.14×	0.15×	1.3%	9	-0.12	4	A-
MAMastercard Incorporated	$657.84	34.49×	66.19×	15.62×	25.34×	-20.9%	100.0%	57.6%	45.6%	193.5%	47.4%	3.2%	2.46×	0.41×	26.17×	1.03×	0.5%	5	10.92	3	B
Peer median	—	24.01×	4.98×	3.2×	17.16×	-37.3%	69.1%	17.1%	13.5%	32.4%	8.3%	3.6%	1.73×	0.65×	1.68×	0.9×	0.9%	8	1.84	3	—