` Comparison: PRAA, DFS - Alpha Spread

PRAA
vs
DFS

Over the past 12 months, PRAA has underperformed DFS, delivering a return of -17% compared to the DFS's +14% growth.

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PRAA
DFS
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Stocks Compared:
PRAA DFS
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Valuation Comparison

PRAA Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
PRA Group Inc
NASDAQ:PRAA
16.69 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PRAA, DFS

PRAA
DFS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
PRA Group Inc
Revenue
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Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PRAA, DFS

PRAA
DFS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
PRA Group Inc
NASDAQ:PRAA
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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Gross Margin

PRAA
79.5%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
PRA Group Inc
Discover Financial Services
Not applicable for financial companies

Operating Margin

PRAA
30.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
PRA Group Inc
Discover Financial Services
Not applicable for financial companies

Net Margin

PRAA
-29.5%
DFS
24.9%

FCF Margin

PRAA
-3.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
PRA Group Inc
Discover Financial Services
Not applicable for financial companies

ROE

PRAA
-32%
DFS
32.8%

ROA

PRAA
-6.9%
DFS
3.7%

ROIC

PRAA
8.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
PRA Group Inc
Discover Financial Services
Not applicable for financial companies

ROCE

PRAA
7.4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
PRA Group Inc
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PRAA, DFS

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PRAA
DFS
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Performance Gap
PRAA, DFS

Performance Gap Between PRAA and DFS
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Performance By Year
PRAA, DFS

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PRAA
DFS
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