PRAA vs SOFI
PRAA: Global specialist in purchasing and collecting nonperforming consumer loan portfolios through disciplined, data-driven recovery strategies across 12+ countries. SOFI: A digital-first, all-in-one financial services 'everything app' integrating consumer banking, lending, and enterprise fintech technology infrastructure.
Side-by-side fundamentals
| Metric | PRAA | SOFI | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $17.91 | $16.88 | |
| Market cap as of 2026-08-01 | $683M | $21.7B | |
| P/E as of 2026-08-01 | n/a | 36.26 | |
| PEG as of 2026-08-01 | n/a | 0.96 | |
| Net margin as of 2026-08-01 | -22.5% | -19.8% | SOFI higher |
| Gross margin as of 2026-08-01 | +80.3% | n/a | |
| Operating margin as of 2026-08-01 | +3.0% | -19.9% | PRAA higher |
| ROE as of 2026-08-01 | -26.4% | +6.3% | SOFI higher |
| ROA as of 2026-08-01 | -5.4% | +1.2% | SOFI higher |
| Debt / equity as of 2026-08-01 | 3.85 | 0.17 | SOFI lower |
| Revenue growth (YoY) as of 2026-08-01 | +10.5% | +205.5% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | +7.5% | +18.0% | SOFI higher |
| Dividend yield | n/a | n/a | |
| Dividend streak (yrs) SEC XBRL | n/a | 0 | |
| Beta as of 2026-08-01 | 1.08 | 2.23 | |
| 1-year return as of 2026-07-27 close | +13.7% | -20.4% | PRAA higher |
Fundamentals: market data, as of 2026-08-01. 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.