Green Dot Corporation (GDOT) vs PRA Group, Inc. (PRAA)

Green Dot Corporation and PRA Group, Inc. are both Credit Services companies. Green Dot Corporation and PRA Group, Inc. are of similar size ($762.0M and $728.8M). Green Dot Corporation grew revenue faster over the last twelve months: 17.7% against 17.6%. Green Dot Corporation has the higher net margin (−1.14% vs −19.9%) and the lower return on invested capital (0.00% vs 0.86%). Across the 18 metrics below, Green Dot Corporation leads on 14 and PRA Group, Inc. on 4.

Valuation

Metric GDOT PRAA Credit Services median
P/E n/m n/m 9.64
P/S 0.31 0.59 0.87
P/B 0.74 0.71 1.16
Price to free cash flow 8.37 n/m 2.99
EV/EBITDA 1.14 9.06 9.58
EV/Sales 0.05 3.39 2.32
Earnings yield (3.92%) (32.48%) 6.72%
Free cash flow yield 11.94% (4.81%) 12.33%

Profitability

Metric GDOT PRAA Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 0.34% 5.00% 0.34%
Net margin (1.14%) (19.91%) 9.25%
Free cash flow margin 3.66% (2.84%) 13.03%
Return on equity (2.79%) (21.12%) 8.49%
Return on assets (0.44%) (4.97%) 2.29%
Return on invested capital 0.00% 0.86% 4.09%

Growth

Metric GDOT PRAA Credit Services median
Revenue growth (TTM) 17.73% 17.60% 4.62%
EPS growth (last fiscal year) (258.00%) (535.20%) —
Revenue growth, 5-year CAGR 10.66% 2.44% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric GDOT PRAA Credit Services median
Debt to equity 0.07 3.47 0.68
Current ratio 0.45 1.21 1.55
Net debt to EBITDA (13.64) 9.23 0.13

Dividend

Metric GDOT PRAA Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric GDOT PRAA Credit Services median
Market cap 728.84m 762.00m 872.19m

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