PRA Group Inc (PRAA)vsSynchrony Financial (SYF)
PRAA
PRA Group Inc
$16.01
+6.45%
FINANCIAL SERVICES · Cap: $592.71M
SYF
Synchrony Financial
$70.77
+1.42%
FINANCIAL SERVICES · Cap: $24.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 693% more annual revenue ($9.89B vs $1.25B). SYF leads profitability with a 36.4% profit margin vs -22.5%. SYF appears more attractively valued with a PEG of 2.13. SYF earns a higher WallStSmart Score of 77/100 (B+).
PRAA
Buy64
out of 100
Grade: C+
SYF
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.8%
Earnings expanding 711.0% YoY
Conservative balance sheet, low leverage
16.7% revenue growth
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -28.0% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 16.7% demonstrates continued momentum.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.0%.
Bear Case : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PRAA profiles as a growth stock while SYF is a mature play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.32 — expect wider price swings.
PRAA is growing revenue faster at 16.7% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 64/100), backed by strong 36.4% margins. Both earn "Strong 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.
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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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