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)
UWMCthis companyUWM Holdings Corporation	$1.50	33.69×	4.64×	0.29×	24.6×	-3870.2%	85.6%	58.0%	0.9%	13.7%	10.5%	-293.9%	72.37×	16.65×	3.45×	0.67×	77.4%	3	0.4	2	C
CFGCitizens Financial Group, Inc.	$65.47	14.98×	0.96×	2.26×	8.46×	397.1%	69.8%	20.9%	16.4%	7.0%	4.3%	8.1%	0.43×	-0.51×	0.61×	1.04×	3.5%	6	-0.41	3	B
CIFRCipher Mining Inc.	$6.87	-6.87×	6.99×	25.15×	-13.21×	-297.8%	28.4%	-150.7%	-367.2%	-102.1%	-10.3%	-12.4%	3.44×	-3.64×	-9.23×	3.79×	0.0%	4	0.64	1	C-
FRHCFreedom Holding Corp.	$165.66	56.59×	5.84×	3.97×	13.42×	101.4%	72.2%	32.6%	7.0%	10.3%	9.6%	-0.4%	1.57×	1.83×	1.46×	1.35×	0.0%	3	0.87	2	C
KNSLKinsale Capital Group, Inc.	$383.31	17.97×	4.62×	4.83×	14×	46.5%	52.5%	33.8%	26.9%	25.7%	23.0%	10.9%	0.11×	0.09×	59.58×	0.84×	0.2%	7	2.57	4	A
MORNMorningstar, Inc.	$245.46	24.33×	7.45×	3.72×	13.77×	4.0%	61.0%	21.5%	15.3%	30.6%	15.4%	4.9%	1.15×	1.28×	13.17×	0.99×	0.8%	8	3.92	3	B+
Peer median	—	17.97×	5.84×	3.97×	13.42×	46.5%	61.0%	21.5%	15.3%	10.3%	9.6%	4.9%	1.15×	0.09×	1.46×	1.04×	0.2%	6	0.87	3	—