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PRA Group, Inc. (PRAA) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

PRA Group, Inc. and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. PRA Group, Inc. and Qfin Holdings Inc. - Sponsored ADR are of similar size ($751.1M and $709.5M). PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; Qfin Holdings Inc. - Sponsored ADR trades at 1.3×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against −4.44%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs −19.9%) and the higher return on invested capital (17.1% vs 0.86%). Across the 18 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 16 and PRA Group, Inc. on 2.

Valuation

Metric PRAA QFIN Credit Services median
P/E n/m 1.34 9.39
P/S 0.56 0.28 0.86
P/B 0.66 0.20 1.16
Price to free cash flow n/m 0.56 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (34.61%) 74.78% 6.55%
Free cash flow yield (5.12%) 177.71% 12.26%

Profitability

Metric PRAA QFIN Credit Services median
Gross margin 100.00% 82.15% 77.13%
Operating margin 5.00% 31.53% 0.34%
Net margin (19.91%) 22.49% 9.25%
Free cash flow margin (2.84%) 52.61% 12.91%
Return on equity (21.12%) 0.00% 8.49%
Return on assets (4.97%) 6.86% 2.16%
Return on invested capital 0.86% 17.05% 4.09%

Growth

Metric PRAA QFIN Credit Services median
Revenue growth (TTM) 17.60% (4.44%) 4.62%
EPS growth (last fiscal year) (535.20%) 11.31% 21.94%
Revenue growth, 5-year CAGR 2.44% 5.73% 9.13%
Net income growth, 5-year CAGR 0.00% 9.83% 0.00%

Health

Metric PRAA QFIN Credit Services median
Debt to equity 3.47 0.12 0.68
Current ratio 1.21 2.17 1.55
Net debt to EBITDA 9.23 (1.04) 0.13

Dividend

Metric PRAA QFIN Credit Services median
Dividend yield — 21.87% 1.64%
Payout ratio — 0.30 0.22

Size

Metric PRAA QFIN Credit Services median
Market cap 751.08m 709.52m 751.08m

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