How Can We Know if a Consumer Finance Company Is Overpriced?

I think consumer finance companies were over priced than they should have been, even during a gogo time. How can we know the credit exposure of a consumer finance company at this point? I like the news about shopify and kind of strengthening that sort of accombination. This is just not the kind of market i man. We've had blue chip companies put up god guidance, and they're getting taken to the woodshed.