Oportun Financial Corporation (OPRT) vs PRA Group, Inc. (PRAA)
- Oportun Financial Corporation OPRT 9.08 −1.41%
- PRA Group, Inc. PRAA 19.39 −2.81%
Oportun Financial Corporation and PRA Group, Inc. are both Credit Services companies. PRA Group, Inc. is the larger, with a market value of $751.1M against $423.5M — 1.8× the size. PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; Oportun Financial Corporation trades at 22.7×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against −2.34%. Oportun Financial Corporation has the higher net margin (2.05% vs −19.9%) and the higher return on invested capital (0.92% 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 | 78.44% | 100.00% | 77.13% |
| Operating margin | 0.00% | 5.00% | 0.34% |
| Net margin | 2.05% | (19.91%) | 9.25% |
| Free cash flow margin | 41.74% | (2.84%) | 12.91% |
| Return on equity | 4.98% | (21.12%) | 8.49% |
| Return on assets | 0.62% | (4.97%) | 2.16% |
| Return on invested capital | 0.92% | 0.86% | 4.09% |
Growth
Health
Dividend
Size
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