IBCP vs PRAA
IBCP: A regional bank holding company providing comprehensive commercial and consumer financial services primarily serving the Michigan market. PRAA: Global specialist in purchasing and collecting nonperforming consumer loan portfolios through disciplined, data-driven recovery strategies across 12+ countries.
Side-by-side fundamentals
| Metric | IBCP | PRAA | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $37.58 | $17.91 | |
| Market cap as of 2026-07-31 | $792M | $683M | |
| P/E as of 2026-07-31 | 11.03 | n/a | |
| PEG as of 2026-07-31 | 0.93 | n/a | |
| Net margin as of 2026-07-31 | +28.8% | -22.5% | IBCP higher |
| Gross margin as of 2026-07-31 | n/a | +80.3% | |
| Operating margin as of 2026-07-31 | +35.5% | +3.0% | IBCP higher |
| ROE as of 2026-07-31 | +14.1% | -26.4% | IBCP higher |
| ROA as of 2026-07-31 | +1.3% | -5.4% | IBCP higher |
| Debt / equity as of 2026-07-31 | 0.08 | 3.85 | IBCP lower |
| Revenue growth (YoY) as of 2026-07-31 | +46.1% | +10.5% | IBCP higher |
| Revenue CAGR (3y) SEC XBRL | +0.5% | +7.5% | PRAA higher |
| Dividend yield as of 2026-07-31 | +2.9% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-31 | 0.70 | 1.08 | |
| 1-year return as of 2026-07-27 close | +15.8% | +13.7% | IBCP higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.