PRA Group Inc (PRAA)vsSun Life Financial Inc. (SLF)
PRAA
PRA Group Inc
$18.93
+0.85%
FINANCIAL SERVICES · Cap: $716.07M
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2569% more annual revenue ($35.53B vs $1.33B). SLF leads profitability with a 9.5% profit margin vs -19.9%. SLF appears more attractively valued with a PEG of 1.61. PRAA earns a higher WallStSmart Score of 66/100 (B-).
PRAA
Strong Buy66
out of 100
Grade: B-
SLF
Strong Buy65
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 41.2%
Conservative balance sheet, low leverage
Revenue surging 29.4% year-over-year
Earnings expanding 40.1% YoY
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -25.4% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, Debt/Equity. Revenue growth of 29.4% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
PRAA profiles as a growth stock while SLF is a value play — different risk/reward profiles.
PRAA carries more volatility with a beta of 1.11 — expect wider price swings.
PRAA is growing revenue faster at 29.4% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
PRAA scores higher overall (66/100 vs 65/100) and 29.4% 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.
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.
Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?