A consolidated, AI-driven view of financial strength across every rated company in this industry — ranked by Economic Capital Ratio, with the causal reasoning behind each score.
Aggregate ECR metrics across every ranked company, by year. Click a point to jump to that year.
Headline figures for this industry and year.
All 106 rated companies in US Savings, 2022.
| #↑ | Company | Seal | Economic Capital Ratio | Trend |
|---|---|---|---|---|
| 1 |  SWK Holdings Corp | ★ Top rated | ▲ 1 | |
| 2 |  Open Lending Corp | ★ Top rated | — 0 | |
| 3 |  Lesaka Technologies INC | ★ Top rated | — | |
| 4 |  OLD Market Capital Corp | ★ Top rated | ▲ 1 | |
| 5 |  World Acceptance CORP | ★ Top rated | — 0 | |
| 6 |  Enova International Inc | ★ Top rated | ▼ 2 | |
| 7 |  Credit Acceptance CORP | ★ Top rated | ▼ 1 | |
| 8 |  Lendingtree Inc | ★ Top rated | ▲ 5 | |
| 9 |  Encore Capital Group INC | ★ Top rated | ▼ 2 | |
| 10 |  Affirm Holdings Inc | ★ Top rated | — 0 | |
| 11 |  Atlanticus Holdings Corp | ★ Top rated | ▼ 1 | |
| 12 |  Catalyst Bancorp Inc | ★ Top rated | — 0 | |
| 13 |  Guild Holdings Co | ★ Top rated | ▼ 1 | |
| 14 |  Rocket Companies Inc | ★ Top rated | ▲ 5 | |
| 15 |  Regional Management Corp | ★ Top rated | ▼ 4 | |
| 16 |  Cullman Bancorp Inc MD | ★ Top rated | — 0 | |
| 17 |  American Honda Finance CORP | ★ Top rated | ▼ 2 | |
| 18 |  Pennymac Financial Services Inc | ★ Top rated | ▲ 4 | |
| 19 |  William Penn Bancorporation | ★ Top rated | — 0 | |
| 20 | FFBW Inc MD | ★ Top rated | ▼ 12 | |
| 21 |  Euronet Worldwide INC | ★ Top rated | ▼ 12 | |
| 22 |  UWM Holdings Corp | ★ Top rated | ▼ 21 | |
| 23 |  Waterstone Financial Inc | ★ Top rated | ▼ 9 | |
| 24 |  TC Bancshares Inc | ★ Top rated | — 0 | |
| 25 |  Onemain Holdings Inc | ★ Top rated | ▼ 5 |
How the RealRate model weighs this industry — feature impact, importance, and fit.
The Feature Distribution shows the main industry variables and the distribution of their impact on financial strength. The more important a variable, the broader the distribution. As the effects are calculated relative to the industry average, half of the companies have a positive effect (green) and half have a negative effect (red).
The Feature Importance Graph highlights the most important industry features for the industry. These variables have the greatest impact on financial health, shown as the last variable at the bottom of the causal graph.
The Regression Plot compares the forecasted company valuation with the observed stock market values. A positive correlation suggests that the model effectively explains market prices.
