stockrowOportun Financial Corporation (OPRT) vs PRA Group, Inc. (PRAA)
- Oportun Financial Corporation OPRT 11.10 −4.31%
- PRA Group, Inc. PRAA 13.62 −33.30%
Oportun Financial Corporation and PRA Group, Inc. are both Credit Services companies. PRA Group, Inc. is the larger, with a market value of $768.8M against $533.5M — 1.4× the size. PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; Oportun Financial Corporation trades at 15.3×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against −0.40%. Oportun Financial Corporation has the higher net margin (3.89% vs −19.9%) and the higher return on invested capital (21.5% vs 0.86%). Across the 17 metrics below, Oportun Financial Corporation leads on 11 and PRA Group, Inc. on 6.
Valuation
Profitability
| Metric | OPRT | PRAA | Credit Services median |
|---|---|---|---|
| Gross margin | 80.23% | 100.00% | 76.61% |
| Operating margin | 0.00% | 5.00% | 0.34% |
| Net margin | 3.89% | (19.91%) | 8.35% |
| Free cash flow margin | 43.52% | (2.84%) | 8.73% |
| Return on equity | 9.11% | (21.12%) | 9.05% |
| Return on assets | 1.16% | (4.97%) | 1.94% |
| Return on invested capital | 21.54% | 0.86% | 4.56% |
Growth
Health
Dividend
Size
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