OppFi Inc. (OPFI) vs PRA Group, Inc. (PRAA)
OppFi Inc. and PRA Group, Inc. are both Credit Services companies. PRA Group, Inc. is the larger, with a market value of $762.0M against $531.7M — 1.4× the size. PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 1.9×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against 0.15%. OppFi Inc. has the higher net margin (28.0% vs −19.9%) and the higher return on invested capital (14.5% vs 0.86%). Across the 20 metrics below, OppFi Inc. leads on 15 and PRA Group, Inc. on 5.
Valuation
Profitability
| Metric | OPFI | PRAA | Credit Services median |
|---|---|---|---|
| Gross margin | 86.11% | 100.00% | 77.13% |
| Operating margin | 48.19% | 5.00% | 0.34% |
| Net margin | 27.98% | (19.91%) | 9.25% |
| Free cash flow margin | 105.86% | (2.84%) | 13.03% |
| Return on equity | 32.19% | (21.12%) | 8.49% |
| Return on assets | 14.09% | (4.97%) | 2.29% |
| Return on invested capital | 14.52% | 0.86% | 4.09% |
Growth
Health
Dividend
Size
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