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PRA Group (PRAA) Competitors

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$18.96 -0.83 (-4.19%)
As of 04:00 PM Eastern

PRAA vs. ECPG, UPST, LC, HAPN, and EZPW

Should you buy PRA Group stock or one of its competitors? PRA Group's main competitors and comparable companies include Encore Capital Group (ECPG), Upstart (UPST), LendingClub (LC), Lendingclub (HAPN), and EZCORP (EZPW). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does PRA Group compare to Encore Capital Group?

Encore Capital Group (NASDAQ:ECPG) and PRA Group (NASDAQ:PRAA) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, institutional ownership, profitability, media sentiment, dividends and earnings.

Encore Capital Group currently has a consensus target price of $89.75, indicating a potential downside of 5.45%. PRA Group has a consensus target price of $26.00, indicating a potential upside of 37.13%. Given PRA Group's higher probable upside, analysts clearly believe PRA Group is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
1 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.83
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, Encore Capital Group had 17 more articles in the media than PRA Group. MarketBeat recorded 29 mentions for Encore Capital Group and 12 mentions for PRA Group. PRA Group's average media sentiment score of 0.88 beat Encore Capital Group's score of 0.58 indicating that PRA Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
9 Very Positive mention(s)
1 Positive mention(s)
9 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
5 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Encore Capital Group has higher revenue and earnings than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.14$256.83M$13.217.19
PRA Group$1.34B0.54-$305.14M-$6.73N/A

Encore Capital Group has a beta of 1.27, meaning that its stock price is 27% more volatile than the broader market. Comparatively, PRA Group has a beta of 1.11, meaning that its stock price is 11% more volatile than the broader market.

Encore Capital Group has a net margin of 15.86% compared to PRA Group's net margin of -19.91%. Encore Capital Group's return on equity of 29.83% beat PRA Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
PRA Group -19.91%15.56%3.18%

97.2% of PRA Group shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 2.2% of PRA Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Encore Capital Group beats PRA Group on 13 of the 16 factors compared between the two stocks.

How does PRA Group compare to Upstart?

PRA Group (NASDAQ:PRAA) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, media sentiment, dividends, valuation and earnings.

Upstart has a net margin of 4.84% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
PRA Group-19.91% 15.56% 3.18%
Upstart 4.84%7.13%1.82%

97.2% of PRA Group shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 2.2% of PRA Group shares are owned by insiders. Comparatively, 17.3% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

PRA Group presently has a consensus target price of $26.00, indicating a potential upside of 37.13%. Upstart has a consensus target price of $44.40, indicating a potential upside of 46.97%. Given Upstart's stronger consensus rating and higher probable upside, analysts clearly believe Upstart is more favorable than PRA Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
Upstart
2 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.38

In the previous week, Upstart had 12 more articles in the media than PRA Group. MarketBeat recorded 24 mentions for Upstart and 12 mentions for PRA Group. PRA Group's average media sentiment score of 0.88 beat Upstart's score of 0.45 indicating that PRA Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PRA Group
5 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
7 Very Positive mention(s)
3 Positive mention(s)
8 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Upstart has lower revenue, but higher earnings than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PRA Group$1.34B0.54-$305.14M-$6.73N/A
Upstart$1.04B2.82$53.60M$0.4961.65

PRA Group has a beta of 1.11, meaning that its share price is 11% more volatile than the broader market. Comparatively, Upstart has a beta of 2.29, meaning that its share price is 129% more volatile than the broader market.

Summary

Upstart beats PRA Group on 11 of the 16 factors compared between the two stocks.

How does PRA Group compare to LendingClub?

LendingClub (NYSE:LC) and PRA Group (NASDAQ:PRAA) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, media sentiment, risk, earnings, profitability, valuation, dividends and institutional ownership.

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 97.2% of PRA Group shares are owned by institutional investors. 3.2% of LendingClub shares are owned by insiders. Comparatively, 2.2% of PRA Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

LendingClub currently has a consensus price target of $23.07, suggesting a potential upside of 20.10%. PRA Group has a consensus price target of $26.00, suggesting a potential upside of 37.13%. Given PRA Group's higher probable upside, analysts clearly believe PRA Group is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

LendingClub has a beta of 1.98, meaning that its stock price is 98% more volatile than the broader market. Comparatively, PRA Group has a beta of 1.11, meaning that its stock price is 11% more volatile than the broader market.

In the previous week, PRA Group had 10 more articles in the media than LendingClub. MarketBeat recorded 12 mentions for PRA Group and 2 mentions for LendingClub. PRA Group's average media sentiment score of 0.88 beat LendingClub's score of 0.71 indicating that PRA Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
LendingClub
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
5 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

LendingClub has higher earnings, but lower revenue than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
LendingClub$1.03B2.14$135.68M$1.4912.89
PRA Group$1.34B0.54-$305.14M-$6.73N/A

LendingClub has a net margin of 16.99% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
LendingClub16.99% 11.92% 1.55%
PRA Group -19.91%15.56%3.18%

Summary

LendingClub beats PRA Group on 10 of the 17 factors compared between the two stocks.

How does PRA Group compare to Lendingclub?

PRA Group (NASDAQ:PRAA) and Lendingclub (NASDAQ:HAPN) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their media sentiment, institutional ownership, profitability, dividends, valuation, earnings, risk and analyst recommendations.

Lendingclub has a net margin of 18.67% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat Lendingclub's return on equity.

Company Net Margins Return on Equity Return on Assets
PRA Group-19.91% 15.56% 3.18%
Lendingclub 18.67%12.92%1.66%

PRA Group currently has a consensus target price of $26.00, suggesting a potential upside of 37.13%. Lendingclub has a consensus target price of $25.00, suggesting a potential upside of 28.60%. Given PRA Group's higher probable upside, equities analysts clearly believe PRA Group is more favorable than Lendingclub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
Lendingclub
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

PRA Group has a beta of 1.11, indicating that its share price is 11% more volatile than the broader market. Comparatively, Lendingclub has a beta of 1.91, indicating that its share price is 91% more volatile than the broader market.

In the previous week, PRA Group had 9 more articles in the media than Lendingclub. MarketBeat recorded 12 mentions for PRA Group and 3 mentions for Lendingclub. PRA Group's average media sentiment score of 0.88 beat Lendingclub's score of 0.56 indicating that PRA Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PRA Group
5 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Lendingclub
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

97.2% of PRA Group shares are held by institutional investors. Comparatively, 74.1% of Lendingclub shares are held by institutional investors. 2.2% of PRA Group shares are held by company insiders. Comparatively, 3.3% of Lendingclub shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Lendingclub has lower revenue, but higher earnings than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PRA Group$1.34B0.54-$305.14M-$6.73N/A
Lendingclub$998.85M2.25$135.68M$1.6611.71

Summary

Lendingclub beats PRA Group on 9 of the 16 factors compared between the two stocks.

How does PRA Group compare to EZCORP?

EZCORP (NASDAQ:EZPW) and PRA Group (NASDAQ:PRAA) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, earnings, risk, analyst recommendations, institutional ownership, dividends, media sentiment and valuation.

In the previous week, PRA Group had 1 more articles in the media than EZCORP. MarketBeat recorded 12 mentions for PRA Group and 11 mentions for EZCORP. PRA Group's average media sentiment score of 0.88 beat EZCORP's score of 0.56 indicating that PRA Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
EZCORP
2 Very Positive mention(s)
1 Positive mention(s)
6 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
5 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

EZCORP has higher earnings, but lower revenue than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than EZCORP, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
EZCORP$1.27B1.31$109.61M$1.9813.73
PRA Group$1.34B0.54-$305.14M-$6.73N/A

EZCORP presently has a consensus target price of $38.80, indicating a potential upside of 42.75%. PRA Group has a consensus target price of $26.00, indicating a potential upside of 37.13%. Given EZCORP's stronger consensus rating and higher possible upside, equities research analysts clearly believe EZCORP is more favorable than PRA Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
EZCORP
0 Sell rating(s)
2 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
2.88
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

99.8% of EZCORP shares are held by institutional investors. Comparatively, 97.2% of PRA Group shares are held by institutional investors. 2.1% of EZCORP shares are held by insiders. Comparatively, 2.2% of PRA Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

EZCORP has a beta of 0.66, indicating that its stock price is 34% less volatile than the broader market. Comparatively, PRA Group has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market.

EZCORP has a net margin of 9.97% compared to PRA Group's net margin of -19.91%. PRA Group's return on equity of 15.56% beat EZCORP's return on equity.

Company Net Margins Return on Equity Return on Assets
EZCORP9.97% 13.99% 7.49%
PRA Group -19.91%15.56%3.18%

Summary

EZCORP beats PRA Group on 11 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding PRAA and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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PRAA vs. The Competition

MetricPRA GroupConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$723.15M$7.37B$14.02B$12.95B
Dividend YieldN/A12.18%5.89%10.20%
P/E Ratio-2.829.2529.1924.74
Price / Sales0.5465.91503.45108.60
Price / Cash8.4911.8330.2237.44
Price / Book0.712.673.716.42
Net Income-$305.14M$434.78M$1.31B$347.12M
7 Day Performance8.65%-1.18%0.29%2.48%
1 Month Performance2.54%-1.53%0.75%-1.04%
1 Year Performance23.04%10.08%12.56%23.22%

PRA Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PRAA
PRA Group
3.2523 of 5 stars
$18.96
-4.2%
$26.00
+37.1%
+28.4%$723.15M$1.34BN/A2,615
ECPG
Encore Capital Group
2.972 of 5 stars
$96.28
+2.3%
$88.00
-8.6%
+155.6%$2.02B$1.77B7.477,350
UPST
Upstart
4.7708 of 5 stars
$29.43
+7.3%
$43.93
+49.3%
-54.8%$2.63B$1.04B77.451,405
LC
LendingClub
3.4187 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
HAPN
Lendingclub
4.7766 of 5 stars
$20.44
+6.8%
$25.00
+22.3%
N/A$2.21B$998.85M12.311,075

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This page (NASDAQ:PRAA) was last updated on 8/10/2026 by MarketBeat.com Staff.
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