Stocks / PRAA vs STEL

PRA Group, Inc. (PRAA) vs Stellar Bancorp, Inc. (STEL)

PRA Group, Inc. and Stellar Bancorp, Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

STEL is the larger company ($2.0B vs $0.6B). On the fundamentals, STEL earns a higher net margin (24.3% vs -25.4%); STEL has the stronger return on equity (6.2% vs -31.1%). Over the last five years, STEL returned 54.7% vs -60.6%. On the filings, STEL carries fewer potential red flags (0 vs 1). Full numbers below — the stronger figure on each row is in green.

AI verdict — PRAA vs STEL, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

	PRA Group, Inc. (PRAA)	Stellar Bancorp, Inc. (STEL)
Market cap	$0.6B	$2.0B
Revenue (latest FY)	$1.20B	$423.80M
Net income (latest FY)	$-305.14M	$102.87M
Revenue growth (5y CAGR)	2.4%	—
Net margin	-25.4%	24.3%
Return on equity	-31.1%	6.2%
P/E ratio	—	18.6
Dividend yield	—	1.6%
Profitable years (of last 10)	8	10
Positive free cash flow	No	Yes

Performance — PRAA vs STEL

Total returns from monthly split- and dividend-adjusted closes; 52-week range from the latest quote. Past performance is not a prediction.

	PRA Group, Inc. (PRAA)	Stellar Bancorp, Inc. (STEL)
1-year return	2.8%	39.6%
3-year return	-33.6%	77.9%
5-year return	-60.6%	54.7%
10-year return	-37.2%	—
52-week range	$10.25–$22.55	$26.30–$40.21

Verify the comparison

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See the full PRAA vs STEL breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open PRAA's full financials → Open STEL's full financials →

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Frequently asked questions

Which is bigger, PRAA or STEL?

Stellar Bancorp, Inc. is larger by market capitalization — $2.0B versus $0.6B.

Which grows faster, PRAA or STEL?

Five-year growth data is not available for both companies.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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