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MA vs PRAA

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PRAA
PRA Group, Inc.
NEUTRAL
Price
$21.09
Market Cap
$822.8M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
PRAA
--
Forward P/E
MA
22.05
PRAA
7.11
P/B Ratio
MA
57.74
PRAA
0.83
P/S Ratio
MA
13.6
PRAA
0.68
EV/EBITDA
MA
22.13
PRAA
11.47

Profitability

Gross Margin
MA
100.0%
PRAA
100.0%
Operating Margin
MA
57.73%
PRAA
38.09%
Profit Margin
MA
45.65%
PRAA
-25.39%
ROE
MA
209.91%
PRAA
-25.96%
ROA
MA
23.72%
PRAA
4.78%

Growth

Revenue Growth
MA
17.6%
PRAA
13.7%
Earnings Growth
MA
24.2%
PRAA
211.3%

Financial Health

Debt/Equity
MA
2.56
PRAA
3.6
Current Ratio
MA
1.03
PRAA
16.97
Quick Ratio
MA
0.68
PRAA
16.73

Dividends

Dividend Yield
MA
0.7%
PRAA
--
Payout Ratio
MA
18.4%
PRAA
0.0%

AI Verdict

MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56
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

MA vs PRAA: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) 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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