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)
SYFthis companySynchrony Financial	$73.03	8.92×	1.78×	1.56×	5.85×	9.0%	51.0%	24.2%	18.6%	21.2%	9.4%	33.0%	0.91×	0.04×	1.12×	0.21×	1.7%	5	0.87	4	A
AFRMAffirm Holdings, Inc.	$69.25	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
ATLCAtlanticus Holdings Corporation	$84.60	9.06×	1.66×	1.44×	40.88×	102.5%	56.3%	22.7%	17.3%	20.1%	1.7%	62.5%	10.75×	34.91×	0.53×	1.76×	1.2%	7	0.68	3	B+
AXPAmerican Express Company	$324.61	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+
BFHBread Financial Holdings, Inc.	$99.27	6.65×	1×	0.71×	5.93×	-15.7%	63.3%	13.1%	11.0%	15.6%	6.5%	62.9%	1.32×	1.14×	0.72×	0.27×	1.3%	8	-0.04	4	A-
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+
Peer median	—	11.59×	3.22×	2.12×	17.16×	-15.7%	69.1%	22.1%	17.3%	27.8%	8.3%	21.4%	1.79×	5.55×	1.68×	0.28×	0.9%	7	1.84	3	—