Ticker | Company | Price | Valuation Score | Graham Fair Value | Graham Fair Value % | P/E | Forward P/E | P/S | P/B | PEG | Free Cash Flow | Free Cash Flow Yield | Book Value | BVPS | EV | EV/EBITDA |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
QFIN | QIFU TECHNOLOGY INC | $21.30 | $77.11 | -72.38% | 5.76x | 3.59x | 1.52x | 1.11x | 0.13x | $972.86M | 28.48% | $3.03B | 18.92 | $2.43B | 3.28 | |
LPRO | OPEN LENDING CORP | $6.27 | $10.96 | -42.79% | 57.00x | 6.74x | 6.79x | 3.53x | 0.21x | $61.67M | 8.28% | $211.54M | 1.78 | $638.57M | 19.61 | |
MA | MASTERCARD INC | $460.27 | $156.44 | 194.21% | 36.47x | 30.08x | 16.71x | 59.07x | 1.85x | $10.62B | 2.47% | $7.24B | 7.76 | $434.35B | 27.56 | |
OMF | ONEMAIN HOLDINGS INC | $49.98 | $128.81 | -61.20% | 9.74x | 5.76x | 2.34x | 1.86x | 0.17x | $2.52B | 41.99% | $3.21B | 26.82 | $24.08B | 22.48 | |
BFH | BREAD FINANCIAL HOLDINGS INC | $41.56 | $114.57 | -63.73% | 5.19x | 3.14x | 0.81x | 0.68x | 0.21x | $1.98B | 96.34% | $3.03B | 61.25 | $2.92B | 4.86 | |
DFS | DISCOVER FINANCIAL SERVICES | $125.42 | $184.71 | -32.10% | 14.25x | 8.63x | 3.17x | 2.14x | 0.32x | $8.32B | 26.46% | $14.72B | 58.74 | $37.46B | 11.28 | |
PYPL | PAYPAL HOLDINGS INC | $64.48 | $36.66 | 75.87% | 16.20x | 14.96x | 2.25x | 3.26x | 1.52x | $5.03B | 7.33% | $20.70B | 19.46 | $67.44B | 10.20 | |
COF | CAPITAL ONE FINANCIAL CORP | $141.81 | $222.64 | -36.30% | 11.08x | 7.76x | 2.01x | 0.94x | 0.33x | $19.62B | 36.23% | $57.80B | 151.34 | $53.49B | 5.79 | |
EZPW | EZCORP INC | $10.23 | $23.26 | -56.03% | 7.20x | N/A | 0.51x | 0.70x | 0.23x | $55.89M | 9.92% | $800.40M | 14.53 | $938.23M | 4.55 | |
ATLC | ATLANTICUS HOLDINGS CORP | $24.16 | $73.19 | -66.99% | 4.55x | N/A | 0.99x | 0.86x | 0.19x | $475.12M | 132.95% | $416.02M | 28.13 | $1.96B | 14.75 | |
V | VISA INC | $280.10 | $86.58 | 223.53% | 31.33x | 28.19x | 16.52x | 13.91x | 2.61x | $19.73B | 3.50% | $40.49B | 20.10 | $569.03B | 23.76 | |
WU | WESTERN UNION CO | $13.14 | $18.07 | -27.28% | 7.73x | 6.57x | 1.04x | 11.17x | 0.53x | $614.30M | 13.58% | $397.90M | 1.16 | $5.88B | 5.74 | |
OCSL | OAKTREE SPECIALTY LENDING CORP | $19.37 | $31.85 | -39.18% | 14.24x | 8.73x | 3.90x | 1.03x | 0.28x | $275.99M | 17.86% | $1.52B | 19.11 | $3.07B | 13.24 | |
AGM | FEDERAL AGRICULTURAL MORTGAGE CORP | $181.84 | $147.56 | 23.23% | 10.97x | N/A | 5.47x | 1.34x | 1.12x | $546.93M | 27.64% | $1.48B | 136.05 | $29.07B | 111.29 | |
LX | LEXINFINTECH HOLDINGS LTD | $1.94 | N/A | N/A | 2.16x | 1.35x | 0.18x | 0.24x | N/A | $353.74M | 111.32% | $1.34B | 8.18 | $513.96M | 2.44 | |
ALLY | ALLY FINANCIAL INC | $40.12 | $119.90 | -66.54% | 16.38x | 4.92x | 1.52x | 0.89x | 0.13x | $4.57B | 37.24% | $13.66B | 44.63 | $21.05B | 10.49 | |
NAVI | NAVIENT CORP | $15.42 | $39.71 | -61.17% | 9.35x | 5.30x | 1.60x | 0.62x | 0.18x | $713.00M | 40.92% | $2.77B | 24.48 | $54.05B | 209.50 | |
SYF | SYNCHRONY FINANCIAL | $43.94 | N/A | N/A | 6.25x | 7.67x | 2.04x | 1.15x | N/A | $8.96B | 50.75% | $15.28B | 38.06 | $13.76B | 3.24 | |
AXP | AMERICAN EXPRESS CO | $242.82 | $107.59 | 125.68% | 19.97x | 18.70x | 3.08x | 6.07x | 2.08x | $22.89B | 13.07% | $28.76B | 39.90 | $171.02B | 13.02 | |
NISN | NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD | $7.40 | N/A | N/A | 2.01x | N/A | 0.12x | 0.15x | N/A | $57.95M | 198.58% | $188.76M | 47.87 | -$74.11M | -3.45 | |
MFIN | MEDALLION FINANCIAL CORP | $7.96 | N/A | N/A | 3.60x | N/A | 1.15x | 0.53x | N/A | $116.89M | 64.86% | $349.04M | 15.42 | $281.72M | 3.52 | |
XYF | X FINANCIAL | $3.97 | $23.52 | -83.12% | 1.16x | N/A | 0.29x | 0.24x | 0.29x | $111.44M | 58.46% | $808.73M | 16.84 | $499.55M | 2.54 | |
SLM | SLM CORP | $21.16 | N/A | N/A | 6.53x | 6.57x | 2.74x | 2.21x | N/A | -$230.24M | -4.94% | $2.11B | 9.59 | $5.91B | 5.40 | |
FINV | FINVOLUTION GROUP | $5.05 | N/A | N/A | 4.54x | N/A | 0.76x | 0.70x | N/A | $54.98M | 4.16% | $1.89B | 7.22 | $280.20M | N/A | |
YRD | YIREN DIGITAL LTD | $5.01 | $22.85 | -78.07% | 1.54x | N/A | 0.65x | 0.39x | 0.35x | $299.68M | 67.68% | $1.12B | 12.65 | -$397.07M | -1.11 | |
BBDC | BARINGS BDC INC | $9.84 | N/A | N/A | 7.94x | N/A | 3.58x | 0.86x | N/A | $173.86M | 16.67% | $1.21B | 11.43 | $2.44B | 18.24 | |
LMFA | LM FUNDING AMERICA INC | $2.99 | N/A | N/A | -0.75x | N/A | 0.47x | 0.19x | N/A | -$6.82M | -93.95% | $38.47M | 15.84 | $7.12M | -3.20 | |
ENVA | ENOVA INTERNATIONAL INC | $62.16 | $62.06 | 0.16% | 10.72x | N/A | 1.36x | 1.47x | 0.72x | $1.19B | 67.74% | $1.15B | 40.79 | $4.52B | 9.40 | |
WRLD | WORLD ACCEPTANCE CORP | $130.91 | $109.82 | 19.20% | 11.11x | N/A | 1.31x | 1.96x | 1.01x | $262.41M | 34.72% | $407.02M | 70.51 | $1.45B | 9.87 | |
QD | QUDIAN INC | $1.89 | N/A | N/A | 75.60x | N/A | 23.63x | 0.23x | N/A | -$29.46M | -7.20% | $1.62B | 7.44 | -$616.31M | -31.22 | |
OPFI | OPPFI INC | $2.91 | N/A | N/A | 13.86x | N/A | 0.20x | 17.81x | N/A | $295.93M | 529.52% | $18.18M | 0.95 | $550.68M | 8.38 | |
CPSS | CONSUMER PORTFOLIO SERVICES INC | $8.60 | $19.55 | -56.01% | 5.00x | N/A | 0.50x | 0.65x | 0.30x | $224.91M | 123.69% | $279.10M | 13.20 | $2.68B | 13.01 | |
FCFS | FIRSTCASH HOLDINGS INC | $117.53 | $38.82 | 202.76% | 22.82x | N/A | 1.66x | 2.61x | 3.90x | $291.02M | 5.45% | $2.05B | 44.98 | $7.06B | 7.46 | |
LC | LENDINGCLUB CORP | $9.50 | $16.81 | -43.47% | 27.94x | 6.33x | 1.32x | 0.83x | 0.22x | -$2.15B | -204.71% | $1.27B | 11.44 | $215.83M | 2.14 | |
RWAY | RUNWAY GROWTH FINANCE CORP | $11.72 | N/A | N/A | 10.65x | N/A | 2.87x | 0.87x | N/A | $199.56M | 42.16% | $529.47M | 13.11 | $931.22M | 10.57 | |
NNI | NELNET INC | $110.23 | N/A | N/A | 29.71x | N/A | 3.33x | 1.21x | N/A | $449.20M | 10.97% | $3.31B | 88.97 | $13.65B | 42.31 | |
MCVT | MILL CITY VENTURES III LTD | $2.50 | N/A | N/A | -250.00x | N/A | 4.88x | 0.84x | N/A | $2.39M | 14.96% | $18.97M | 2.97 | $15.46M | -314.18 | |
PMTS | CPI CARD GROUP INC | $25.69 | $92.32 | -72.17% | 15.76x | N/A | 0.66x | -5.90x | 0.11x | $31.14M | 10.76% | -$48.45M | -4.30 | $533.92M | 7.51 | |
LU | LUFAX HOLDING LTD | $4.72 | N/A | N/A | 22.16x | N/A | 0.57x | 0.21x | N/A | $2.07B | 76.63% | $12.74B | 22.24 | $2.47B | 9.34 | |
SNTG | SENTAGE HOLDINGS INC | $2.04 | N/A | N/A | -2.55x | N/A | 32.90x | 0.47x | N/A | -$1.85M | -38.19% | $12.23M | 5.15 | $3.51M | -1.95 | |
OBDC | BLUE OWL CAPITAL CORP | $16.44 | $14.26 | 15.25% | 8.30x | N/A | 3.99x | 1.06x | 1.69x | $1.53B | 23.94% | $6.03B | 15.47 | $12.55B | 10.09 | |
SOFI | SOFI TECHNOLOGIES INC | $7.28 | N/A | N/A | -31.65x | 91.00x | 3.12x | 1.32x | N/A | -$4.40B | -61.58% | $5.83B | 5.93 | $6.55B | 194.00 | |
RM | REGIONAL MANAGEMENT CORP | $29.75 | N/A | N/A | 12.61x | N/A | 0.51x | 0.88x | N/A | $250.92M | 88.14% | $336.46M | 35.16 | $1.56B | 14.03 | |
AIHS | SENMIAO TECHNOLOGY LTD | $0.90 | N/A | N/A | -2.00x | N/A | 1.16x | 3.85x | N/A | $55.49k | 0.67% | $2.24M | 0.24 | $8.82M | -4.26 | |
CACC | CREDIT ACCEPTANCE CORP | $497.00 | N/A | N/A | 25.33x | N/A | 3.17x | 3.64x | N/A | $1.21B | 19.57% | $1.65B | 132.38 | $11.06B | 16.79 | |
FOA | FINANCE OF AMERICA COMPANIES INC | $0.74 | N/A | N/A | -0.78x | 0.83x | 0.43x | 0.32x | N/A | -$424.17M | -592.45% | $228.41M | 2.37 | $27.06B | -549.06 | |
DXF | DUNXIN FINANCIAL HOLDINGS LTD | $0.43 | N/A | N/A | -0.44x | N/A | -0.36x | -13.84x | N/A | -$1.52M | -8.06% | -$7.08M | -0.16 | $121.29M | -1.86 | |
PT | PINTEC TECHNOLOGY HOLDINGS LTD | $1.08 | N/A | N/A | -1.39x | N/A | 2.09x | -0.31x | N/A | $1.09M | 7.13% | -$56.16M | -3.97 | $11.89M | -1.00 | |
OPRT | OPORTUN FINANCIAL CORP | $3.59 | N/A | N/A | -1.32x | N/A | 0.39x | 0.33x | N/A | $379.22M | 271.53% | $381.97M | 9.82 | $2.76B | -31.42 | |
UPST | UPSTART HOLDINGS INC | $25.41 | N/A | N/A | -12.40x | 158.81x | 4.11x | 3.64x | N/A | -$40.52M | -1.83% | $612.80M | 7.04 | $2.99B | -19.75 | |
NICK | NICHOLAS FINANCIAL INC | $6.59 | N/A | N/A | -1.32x | N/A | 1.79x | 0.82x | N/A | -$146.00k | -0.30% | $59.05M | 8.05 | $40.50M | -1.13 | |
GDOT | GREEN DOT CORP | $9.95 | N/A | N/A | -21.17x | N/A | 0.34x | 0.61x | N/A | $15.26M | 2.89% | $870.65M | 16.45 | -$539.27M | -8.41 | |
IX | ORIX CORP | $109.30 | N/A | N/A | N/A | 7.42x | 1.51x | 1.08x | N/A | $1.94B | 7.19% | $25.07B | 101.52 | $58.90B | 8.99 | |
PRAA | PRA GROUP INC | $24.96 | N/A | N/A | -46.22x | N/A | 1.09x | 0.87x | N/A | -$125.99M | -12.85% | $1.13B | 28.76 | $3.88B | 19.67 |