WallStSmart

Bank of America Corp (BAC)vsPRA Group Inc (PRAA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 9019% more annual revenue ($109.59B vs $1.20B). BAC leads profitability with a 29.0% profit margin vs -25.4%. BAC appears more attractively valued with a PEG of 0.94. BAC earns a higher WallStSmart Score of 82/100 (A-).

BAC

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.0Profit: 7.5Value: 7.0Quality: 3.5
Piotroski: 5/9Altman Z: -0.27

PRAA

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 5.0Value: 4.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$377.03B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.0%10/10

Strong operational efficiency at 36.0%

Profit MarginProfitability
29.0%9/10

Keeps 29 of every $100 in revenue as profit

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

PRAA3 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.1%10/10

Strong operational efficiency at 38.1%

EPS GrowthGrowth
211.3%10/10

Earnings expanding 211.3% YoY

Areas to Watch

BAC3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.213/10

Elevated debt levels

Free Cash FlowQuality
$-22.95B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

PRAA4 concerns · Avg: 2.3/10
Market CapQuality
$864.97M3/10

Smaller company, higher risk/reward

PEG RatioValuation
5.882/10

Expensive relative to growth rate

Return on EquityProfitability
-26.0%2/10

ROE of -26.0% — below average capital efficiency

Free Cash FlowQuality
$-11.35M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.

Bull Case : PRAA

The strongest argument for PRAA centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 13.7% demonstrates continued momentum.

Bear Case : BAC

The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.

Bear Case : PRAA

The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.

Key Dynamics to Monitor

BAC profiles as a mature stock while PRAA is a turnaround play — different risk/reward profiles.

BAC carries more volatility with a beta of 1.24 — expect wider price swings.

PRAA is growing revenue faster at 13.7% — sustainability is the question.

PRAA generates stronger free cash flow (-11M), providing more financial flexibility.

Bottom Line

BAC scores higher overall (82/100 vs 64/100), backed by strong 29.0% margins and 11.8% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bank of America Corp

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.

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PRA Group Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

PRA Group, Inc., a service company, is engaged in the purchase, collection and management of delinquent loan portfolios in the Americas, Australia and Europe. The company is headquartered in Norfolk, Virginia.

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