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PRAA vs V

PRAA
PRA Group, Inc.
NEUTRAL
Price
$21.09
Market Cap
$822.8M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
PRAA
--
V
28.35
Forward P/E
PRAA
7.11
V
20.79
P/B Ratio
PRAA
0.83
V
15.09
P/S Ratio
PRAA
0.68
V
14.08
EV/EBITDA
PRAA
11.47
V
20.06

Profitability

Gross Margin
PRAA
100.0%
V
97.78%
Operating Margin
PRAA
38.09%
V
68.3%
Profit Margin
PRAA
-25.39%
V
50.23%
ROE
PRAA
-25.96%
V
53.95%
ROA
PRAA
4.78%
V
18.36%

Growth

Revenue Growth
PRAA
13.7%
V
14.6%
Earnings Growth
PRAA
211.3%
V
17.4%

Financial Health

Debt/Equity
PRAA
3.6
V
0.55
Current Ratio
PRAA
16.97
V
1.11
Quick Ratio
PRAA
16.73
V
0.72

Dividends

Dividend Yield
PRAA
--
V
0.89%
Payout Ratio
PRAA
0.0%
V
22.91%

AI Verdict

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

PRAA vs V: Head-to-Head Comparison

This page compares PRA Group, Inc. (PRAA) and Visa Inc. (V) 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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