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)
UPSTthis companyUpstart Holdings, Inc.	$22.14	78.09×	5.26×	3.9×	68.12×	-247.4%	95.2%	5.1%	5.0%	6.7%	2.0%	-4.0%	2.32×	15.07×	1.05×	2.99×	0.0%	6	1.03	2	C
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+
COFCapital One Financial Corporation	$200.38	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-
ENVAEnova International, Inc.	$170.99	12.82×	2.91×	1.23×	15.82×	5.7%	50.1%	23.5%	9.8%	23.1%	247.3%	45.5%	3.41×	8.48×	4.36×	0.23×	0.0%	6	1.68	3	B
OMFOneMain Holdings, Inc.	$55.68	10.25×	2.36×	1.29×	23.14×	140.5%	47.6%	16.0%	12.5%	23.0%	2.9%	39.0%	6.67×	16.91×	0.79×	0×	6.2%	7	0.88	4	A-
Peer median	—	12.82×	2.36×	1.44×	23.14×	102.5%	50.1%	22.1%	12.5%	23.0%	2.9%	39.0%	3.41×	8.48×	0.79×	0.23×	1.2%	7	0.88	3	—