Atlanticus Holdings Corporation (ATLC) vs PRA Group, Inc. (PRAA)
Atlanticus Holdings Corporation and PRA Group, Inc. are both Credit Services companies. Atlanticus Holdings Corporation is the larger, with a market value of $1.4B against $762.0M — 1.8× the size. PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; Atlanticus Holdings Corporation trades at 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against 17.6%. Atlanticus Holdings Corporation has the higher net margin (5.46% vs −19.9%) and the higher return on invested capital (17.1% vs 0.86%). Across the 19 metrics below, Atlanticus Holdings Corporation leads on 16 and PRA Group, Inc. on 3.
Valuation
Profitability
| Metric | ATLC | PRAA | Credit Services median |
|---|---|---|---|
| Gross margin | 83.16% | 100.00% | 77.13% |
| Operating margin | 0.00% | 5.00% | 0.34% |
| Net margin | 5.46% | (19.91%) | 9.25% |
| Free cash flow margin | 35.30% | (2.84%) | 13.03% |
| Return on equity | 23.04% | (21.12%) | 8.49% |
| Return on assets | 2.60% | (4.97%) | 2.29% |
| Return on invested capital | 17.09% | 0.86% | 4.09% |
Growth
Health
Dividend
Size
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