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PRA Group (PRAA) Competitors

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$21.00 +0.43 (+2.09%)
Closing price 09/18/2026 04:00 PM Eastern
Extended Trading
$21.02 +0.02 (+0.07%)
As of 09/18/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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PRAA vs. ECPG, UPST, LC, EZPW, and HAPN

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), EZCORP (EZPW), and Lendingclub (HAPN). 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?

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

97.2% of PRA Group shares are owned by institutional investors. 2.2% of PRA Group shares are owned by insiders. Comparatively, 3.0% of Encore Capital Group shares are owned by 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.

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
PRA Group-19.91% 15.56% 3.18%
Encore Capital Group 15.86%29.83%5.58%

PRA Group presently has a consensus price target of $26.00, suggesting a potential upside of 23.81%. Encore Capital Group has a consensus price target of $89.75, suggesting a potential downside of 9.84%. Given PRA Group's higher possible upside, equities research analysts clearly believe PRA Group is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PRA Group
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

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

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
PRA Group$1.20B0.66-$305.14M-$6.73N/A
Encore Capital Group$1.77B1.19$256.83M$13.217.54

In the previous week, Encore Capital Group's average media sentiment score of 1.82 beat PRA Group's score of 1.67 indicating that Encore Capital Group is being referred to more favorably in the news media.

Company Overall Sentiment
PRA Group Very Positive
Encore Capital Group Very Positive

Summary

Encore Capital Group beats PRA Group on 13 of the 15 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 superior investment? We will compare the two businesses based on the strength of their media sentiment, analyst recommendations, institutional ownership, dividends, earnings, risk, valuation and profitability.

PRA Group presently has a consensus price target of $26.00, suggesting a potential upside of 23.81%. Upstart has a consensus price target of $43.75, suggesting a potential upside of 75.00%. Given Upstart's stronger consensus rating and higher probable upside, analysts plainly 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)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40
Upstart
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41

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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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$1.20B0.66-$305.14M-$6.73N/A
Upstart$1.04B2.33$53.60M$0.4951.02

In the previous week, Upstart had 9 more articles in the media than PRA Group. MarketBeat recorded 9 mentions for Upstart and 0 mentions for PRA Group. PRA Group's average media sentiment score of 1.67 beat Upstart's score of 0.50 indicating that PRA Group is being referred to more favorably in the media.

Company Overall Sentiment
PRA Group Very Positive
Upstart Neutral

PRA Group has a beta of 1.11, suggesting that its stock price is 11% more volatile than the broader market. Comparatively, Upstart has a beta of 2.16, suggesting that its stock price is 116% more volatile than the broader market.

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%

Summary

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

How does PRA Group compare to LendingClub?

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

97.2% of PRA Group shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 2.2% of PRA Group shares are owned by company insiders. Comparatively, 3.2% of LendingClub shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

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
PRA Group-19.91% 15.56% 3.18%
LendingClub 16.99%11.92%1.55%

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$1.20B0.66-$305.14M-$6.73N/A
LendingClub$1.03B2.14$135.68M$1.4912.89

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

In the previous week, PRA Group's average media sentiment score of 1.67 beat LendingClub's score of 0.00 indicating that PRA Group is being referred to more favorably in the media.

Company Overall Sentiment
PRA Group Very Positive
LendingClub Neutral

PRA Group presently has a consensus price target of $26.00, indicating a potential upside of 23.81%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 20.10%. Given PRA Group's higher probable upside, research analysts plainly 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)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89

Summary

LendingClub beats PRA Group on 9 of the 15 factors compared between the two stocks.

How does PRA Group compare to EZCORP?

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

97.2% of PRA Group shares are held by institutional investors. Comparatively, 99.8% of EZCORP shares are held by institutional investors. 2.2% of PRA Group shares are held by insiders. Comparatively, 2.1% of EZCORP shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

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
PRA Group-19.91% 15.56% 3.18%
EZCORP 9.97%13.99%7.49%

PRA Group has a beta of 1.11, meaning that its stock price is 11% more volatile than the broader market. Comparatively, EZCORP has a beta of 0.64, meaning that its stock price is 36% less volatile than the broader market.

PRA Group currently has a consensus price target of $26.00, suggesting a potential upside of 23.81%. EZCORP has a consensus price target of $38.80, suggesting a potential upside of 26.59%. Given EZCORP's stronger consensus rating and higher possible upside, analysts plainly believe EZCORP is more favorable than PRA Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PRA Group
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40
EZCORP
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.75

EZCORP has higher revenue and earnings 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
PRA Group$1.20B0.66-$305.14M-$6.73N/A
EZCORP$1.27B1.48$109.61M$1.9815.48

In the previous week, EZCORP had 2 more articles in the media than PRA Group. MarketBeat recorded 2 mentions for EZCORP and 0 mentions for PRA Group. PRA Group's average media sentiment score of 1.67 beat EZCORP's score of 0.37 indicating that PRA Group is being referred to more favorably in the media.

Company Overall Sentiment
PRA Group Very Positive
EZCORP Neutral

Summary

EZCORP beats PRA Group on 12 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 small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their earnings, institutional ownership, media sentiment, profitability, analyst recommendations, risk, valuation and dividends.

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 presently has a consensus price target of $26.00, indicating a potential upside of 23.81%. Lendingclub has a consensus price target of $25.00, indicating a potential upside of 54.73%. Given Lendingclub's stronger consensus rating and higher possible upside, analysts clearly believe Lendingclub is more favorable than PRA Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PRA Group
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40
Lendingclub
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

In the previous week, Lendingclub had 3 more articles in the media than PRA Group. MarketBeat recorded 3 mentions for Lendingclub and 0 mentions for PRA Group. PRA Group's average media sentiment score of 1.67 beat Lendingclub's score of 0.00 indicating that PRA Group is being referred to more favorably in the media.

Company Overall Sentiment
PRA Group Very Positive
Lendingclub Neutral

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$1.20B0.66-$305.14M-$6.73N/A
Lendingclub$998.85M1.87$135.68M$1.669.73

97.2% of PRA Group shares are owned by institutional investors. Comparatively, 74.1% of Lendingclub shares are owned by institutional investors. 2.2% of PRA Group shares are owned by insiders. Comparatively, 3.3% of Lendingclub 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 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 1.86, indicating that its share price is 86% more volatile than the broader market.

Summary

Lendingclub 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

Export
MetricPRA GroupConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$790.61M$6.98B$13.82B$13.19B
Dividend YieldN/A12.77%5.95%12.81%
P/E Ratio-3.128.7825.3125.40
Price / Sales0.6663.66511.0789.45
Price / Cash9.0111.3643.4251.42
Price / Book0.792.532.736.33
Net Income-$305.14M$442.63M$1.31B$358.33M
7 Day Performance10.94%-0.78%-0.59%1.12%
1 Month Performance12.72%-2.87%0.16%-2.39%
1 Year Performance26.66%-0.83%7.82%5.35%

PRA Group Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PRAA
PRA Group
2.8911 of 5 stars		$21.00
+2.1%		$26.00
+23.8%		+26.7%$790.61M$1.20BN/A2,615
ECPG
Encore Capital Group
2.3679 of 5 stars		$97.12
-0.2%		$89.75
-7.6%		+120.5%$2.07B$1.77B7.387,350
UPST
Upstart
4.4899 of 5 stars		$27.51
-1.9%		$44.40
+61.4%		-63.2%$2.69B$1.04B56.401,405
LC
LendingClub
2.7734 of 5 stars		$19.21
flat		$23.07
+20.1%		N/A$2.22B$1.03B12.891,075
EZPW
EZCORP
3.5956 of 5 stars		$33.22
-0.3%		$38.80
+16.8%		+73.0%$2.06B$1.27B16.938,500

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This page (NASDAQ:PRAA) was last updated on 9/20/2026 by MarketBeat.com Staff.
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