stockrowOppFi Inc. (OPFI) vs PRA Group, Inc. (PRAA)
- OppFi Inc. OPFI 6.22 −0.80%
- PRA Group, Inc. PRAA 12.98 −36.43%
OppFi Inc. and PRA Group, Inc. are both Credit Services companies. PRA Group, Inc. is the larger, with a market value of $768.8M against $534.3M — 1.4× the size. PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; OppFi Inc. trades at 2.7×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against −6.55%. OppFi Inc. has the higher net margin (26.9% vs −19.9%) and the higher return on invested capital (12.2% vs 0.86%). Across the 18 metrics below, OppFi Inc. leads on 12 and PRA Group, Inc. on 6.
Valuation
Profitability
| Metric | OPFI | PRAA | Credit Services median |
|---|---|---|---|
| Gross margin | 86.06% | 100.00% | 76.61% |
| Operating margin | 0.00% | 5.00% | 0.34% |
| Net margin | 26.88% | (19.91%) | 8.35% |
| Free cash flow margin | 104.18% | (2.84%) | 8.73% |
| Return on equity | 26.25% | (21.12%) | 9.05% |
| Return on assets | 12.10% | (4.97%) | 1.94% |
| Return on invested capital | 12.24% | 0.86% | 4.56% |
Growth
Health
Dividend
Size
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