COMP <GO>
PRAA vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
PRA Group Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: PRAA 1
— JPM 7
■ METRIC PARITY
LAST: $19.49 (-2.74%) • MKT CAP: $754.5M
balance-sheet
—
LAST: $337.04 (-1.90%) • MKT CAP: $913.30B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PRAA VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PRAA | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -2.70% | 17.37% | -20.07 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -11.98% | -18.14% | +6.16 | PRAA | /fcf-yield <GO> |
| Operating Margin | -2.50% | 42.07% | -44.57 | JPM | /operating-margins <GO> |
| Net Profit Margin | -25.40% | 32.63% | -58.03 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 7.80% | 13.53% | -5.73 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 2/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 55.1 | -1.90 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 13.3x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $754.5M | $913.30B | -$912.55B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PRAA REV | JPM REV | PRAA GROSS % | JPM GROSS % | PRAA FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.20B | $182.45B | — | — | -$90.4M | -$147.78B |
| FY 2024 | $1.11B | $177.56B | — | — | -$98.6M | -$42.01B |
| FY 2023 | $802.6M | $158.10B | — | — | -$97.5M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PRAA // BETA —
JPM // BETA 1.00