Jefferson Capital, Inc. / DE vs PRA
JCAP and PRAA side by side, both in non-depository credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How JCAP and PRAA compare
Jefferson Capital, Inc. / DE is the larger company, worth 2.4 times as much as PRA ($1.1B against $485M).
On earnings, PRA is cheaper: it trades at 3.1× trailing earnings, against 8.1× for Jefferson Capital, Inc. / DE.
Jefferson Capital, Inc. / DE grew revenue faster over the last twelve months (22.8% versus 12.5% for PRA).
Jefferson Capital, Inc. / DE keeps more of each dollar of sales as profit, with a net margin of 23.5% compared with 12.1% at PRA.
Jefferson Capital, Inc. / DE pays a dividend yielding 4.8%; PRA does not pay one.
PRA scores higher on the StockData Score (13 against 11 for Jefferson Capital, Inc. / DE), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | JCAP | PRAA |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $485M |
| Share price | $19.94 | $12.88 |
| Change, 1 year | −1.4% | −15.5% |
| Change, 5 years | −0.35% | −70.0% |
| Beta (5Y) | 0.57 | 1.03 |
| Employees | 1,120 | 2,615 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 3 | 6 (better) |
| Growth score | 1 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 8.1× | 3.1× (better) |
| P/S | 1.7× | 0.4× (better) |
| P/B | 2.4× | 0.5× (better) |
| EV/EBITDA | 3.7× | 0.9× (better) |
| FCF yield | – | −10.1% |
| Fair value | $33.52 | $55.19 |
| Margin of safety | 40.5% | 76.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 22.8% (better) | 12.5% |
| Revenue growth, 5Y average | – | 2.4% |
| Net income growth (TTM) | −11.8% | – |
| Profitability | ||
| Operating margin | 45.8% (better) | 35.8% |
| Net margin | 23.5% (better) | 12.1% |
| FCF margin | – | −3.8% |
| Return on equity | 35.0% (better) | 15.8% |
| Return on invested capital | 59.3% (better) | 42.4% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 2.6× | – |
| Altman Z-score | 1.57 (better) | 0.98 |
| Piotroski F-score | – | 3 |
| Dividends and buybacks | ||
| Dividend yield | 4.8% | – |
| Payout ratio | 39.1% | – |
| Years of dividend growth | 0 | – |
| Buyback yield | – | 6.2% |
| Shareholder yield | 4.8% | 6.2% (better) |
| Ownership | ||
| Held by institutions | 39.8% | 96.3% |
| Held by insiders | – | 4.1% |
| Insider net buying, 12 months | −$225M | $0 (better) |
| Short interest, % of float | – | 2.2% |
Go deeper
- JCAP stock overview
- JCAP income statement
- JCAP valuation and score
- PRAA stock overview
- PRAA income statement
- PRAA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.