MFIN vs PRAA
MFIN: A specialty lender focusing on recreation (RVs, boats, collector cars), home improvement, and commercial loans with $3B in assets and a 31% net margin. 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 | MFIN | PRAA | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $9.56 | $16.15 | |
| Market cap as of 2026-07-26 | $226M | $648M | |
| P/E as of 2026-07-26 | 6.28 | n/a | |
| Net margin as of 2026-07-26 | +31.2% | -22.5% | MFIN higher |
| Gross margin as of 2026-07-26 | n/a | +80.3% | |
| Operating margin as of 2026-07-26 | +43.5% | +3.0% | MFIN higher |
| ROE as of 2026-07-26 | +9.0% | -26.4% | MFIN higher |
| ROA as of 2026-07-26 | +1.2% | -5.4% | MFIN higher |
| Debt / equity as of 2026-07-26 | 0.63 | 3.85 | MFIN lower |
| Revenue growth (YoY) as of 2026-07-26 | +28.5% | +10.5% | MFIN higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +7.5% | |
| Dividend yield as of 2026-07-26 | +5.9% | n/a | |
| Dividend streak (yrs) SEC XBRL | 0 | n/a | |
| Beta as of 2026-07-26 | 0.80 | 1.08 | |
| 1-year return as of 2026-07-23 close | +1.8% | +6.5% | PRAA higher |
Fundamentals: Finnhub, as of 2026-07-26. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.