PRA Group, Inc. (PRAA) vs World Acceptance Corporation (WRLD)
PRA Group, Inc. and World Acceptance Corporation are both Credit Services companies. PRA Group, Inc. and World Acceptance Corporation are of similar size ($796.2M and $762.0M). PRA Group, Inc. has negative trailing earnings, so its P/E is not meaningful; World Acceptance Corporation trades at 20.3×. PRA Group, Inc. grew revenue faster over the last twelve months: 17.6% against 4.26%. World Acceptance Corporation has the higher net margin (6.61% vs −19.9%) and the higher return on invested capital (3.97% vs 0.86%). Across the 19 metrics below, World Acceptance Corporation leads on 13 and PRA Group, Inc. on 6.
Valuation
Profitability
| Metric | PRAA | WRLD | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 100.00% | 77.13% |
| Operating margin | 5.00% | 17.26% | 0.34% |
| Net margin | (19.91%) | 6.61% | 9.25% |
| Free cash flow margin | (2.84%) | 44.29% | 13.03% |
| Return on equity | (21.12%) | 9.90% | 8.49% |
| Return on assets | (4.97%) | 3.72% | 2.29% |
| Return on invested capital | 0.86% | 3.97% | 4.09% |
Growth
Health
Dividend
Size
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