JPMorgan Chase & Co (JPM)vsPRA Group Inc (PRAA)
JPM
JPMorgan Chase & Co
$339.45
+1.05%
FINANCIAL SERVICES · Cap: $902.16B
PRAA
PRA Group Inc
$19.43
+1.20%
FINANCIAL SERVICES · Cap: $718.14M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 14228% more annual revenue ($190.73B vs $1.33B). JPM leads profitability with a 34.6% profit margin vs -19.9%. JPM appears more attractively valued with a PEG of 1.57. JPM earns a higher WallStSmart Score of 71/100 (B).
JPM
Strong Buy71
out of 100
Grade: B
PRAA
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Conservative balance sheet, low leverage
Revenue surging 29.4% year-over-year
Earnings expanding 40.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -25.4% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, Debt/Equity. Revenue growth of 29.4% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Bear Case : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
JPM profiles as a mature stock while PRAA is a growth play — different risk/reward profiles.
PRAA carries more volatility with a beta of 1.13 — expect wider price swings.
PRAA is growing revenue faster at 29.4% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (71/100 vs 66/100), backed by strong 34.6% margins and 10.2% revenue growth. Both earn "Strong Buy" and "Strong 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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
Visit Website →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.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?