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CAC vs PRAA

CAC
Camden National Corporation
BULLISH
Price
$49.07
Market Cap
$833.0M
Sector
Financial Services
AI Confidence
70%
PRAA
PRA Group, Inc.
NEUTRAL
Price
$21.09
Market Cap
$822.8M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CAC
12.78
PRAA
--
Forward P/E
CAC
8.35
PRAA
7.11
P/B Ratio
CAC
1.19
PRAA
0.83
P/S Ratio
CAC
3.57
PRAA
0.68
EV/EBITDA
CAC
--
PRAA
11.47

Profitability

Gross Margin
CAC
0.0%
PRAA
100.0%
Operating Margin
CAC
47.52%
PRAA
38.09%
Profit Margin
CAC
27.91%
PRAA
-25.39%
ROE
CAC
10.61%
PRAA
-25.96%
ROA
CAC
1.02%
PRAA
4.78%

Growth

Revenue Growth
CAC
39.2%
PRAA
13.7%
Earnings Growth
CAC
33.8%
PRAA
211.3%

Financial Health

Debt/Equity
CAC
--
PRAA
3.6
Current Ratio
CAC
--
PRAA
16.97
Quick Ratio
CAC
--
PRAA
16.73

Dividends

Dividend Yield
CAC
3.43%
PRAA
--
Payout Ratio
CAC
43.75%
PRAA
0.0%

AI Verdict

CAC BULLISH

CAC shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.8
Strong profitability (27.9% margin)
Strong revenue growth of 39.2%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
PRAA NEUTRAL

PRAA presents a stark contrast between deep value metrics and severe fundamental deterioration, highlighted by a critical Piotroski F-Score of 1/9. While the stock trades at a discount to book value (P/B 0.83) and shows strong recent price momentum (+55.9% in 6 months), the underlying financial health is weak with a high Debt/Equity ratio of 3.60. The company is experiencing extreme earnings volatility, evidenced by a massive -2893.8% surprise in late 2025, though recent quarterly growth suggests a potential turnaround. Overall, the valuation is attractive, but the deterministic health scores signal high risk.

Strengths
Trading below book value (P/B 0.83)
Low Price-to-Sales ratio (0.68)
Strong short-term liquidity (Current Ratio 16.97)
Risks
Critical financial health (Piotroski F-Score 1/9)
High leverage (Debt/Equity 3.60)
Extreme earnings volatility and inconsistent surprise track record

Compare Another Pair

CAC vs PRAA: Head-to-Head Comparison

This page compares Camden National Corporation (CAC) and PRA Group, Inc. (PRAA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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