Earnings per share growth for companies engaged in "poor credit car finance" has been outperforming sector averages, prompting analysts to consider upward revisions in consensus targets. Ramsey’s position is that almost all debt (except a mortgage) is bondage. According to US Bank, (3) “good” debt is money you borrow that has the potential to increase in value or contribute to income. There are some arguments for “good”, or at least acceptable, debt: Earlier this month, a company called Tricolor abruptly filed for bankruptcy . The Texas-based firm specialized in extending auto loans to buyers with poor credit ratings — or none at all — many of whom were undocumented. Comparative analysis with broader auto finance benchmarks reveals "poor credit car finance" entities are holding steady, which could appeal to value-focused equity investors seeking defensive positions.