Lufax Holding Ltd. Sponsored ADR (LU) vs PRA Group, Inc. (PRAA)

Lufax Holding Ltd. Sponsored ADR and PRA Group, Inc. are both Credit Services companies. Lufax Holding Ltd. Sponsored ADR is the larger, with a market value of $1.1B against $762.0M — 1.5× the size. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against −22.5%. Lufax Holding Ltd. Sponsored ADR has the higher net margin (−13.3% vs −19.9%) and the higher return on invested capital (9.42% vs 0.86%). Across the 17 metrics below, Lufax Holding Ltd. Sponsored ADR leads on 14 and PRA Group, Inc. on 3.

Valuation

Metric LU PRAA Credit Services median
P/E n/m n/m 9.64
P/S 0.27 0.59 0.87
P/B 0.08 0.71 1.16
Price to free cash flow 11.53 n/m 2.99
EV/EBITDA n/m 9.06 9.58
EV/Sales 0.00 3.39 2.32
Earnings yield (49.59%) (32.48%) 6.72%
Free cash flow yield 8.67% (4.81%) 12.33%

Profitability

Metric LU PRAA Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 49.67% 5.00% 0.34%
Net margin (13.30%) (19.91%) 9.25%
Free cash flow margin 2.34% (2.84%) 13.03%
Return on equity (3.83%) (21.12%) 8.49%
Return on assets (1.50%) (4.97%) 2.29%
Return on invested capital 9.42% 0.86% 4.09%

Growth

Metric LU PRAA Credit Services median
Revenue growth (TTM) (22.46%) 17.60% 4.62%
EPS growth (last fiscal year) 55.84% (535.20%) —
Revenue growth, 5-year CAGR (12.93%) 2.44% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric LU PRAA Credit Services median
Debt to equity 0.89 3.47 0.68
Current ratio 1.72 1.21 1.55
Net debt to EBITDA (1.19) 9.23 0.13

Dividend

Metric LU PRAA Credit Services median
Dividend yield 5.92% — 3.34%
Payout ratio 1.69 0.00 0.00

Size

Metric LU PRAA Credit Services median
Market cap 1.11b 762.00m 872.19m

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