Financial Institutions, Inc. (FISI) vs PRA Group, Inc. (PRAA)
A side-by-side comparison of Financial Institutions, Inc. and PRA Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FISI vs PRAA
growth of $100 · dividends reinvested · last 10yFISI vs PRAA: by the numbers
- •FISI is the larger company ($774M vs $744M market cap).
- •FISI is profitable (26.18% net margin) while PRAA runs a net loss (-19.43%).
- •FISI grew revenue faster over the past five years (8.78% vs 4.06% CAGR).
- •FISI pays a dividend (3.20% yield), while PRAA is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | FISI | PRAA |
|---|---|---|
| P/E ratio | 9.74 | N/A |
| Forward P/E | 9.39 | 5.82 |
| PEG ratio | 1.03 | N/A |
| P/S ratio | 2.45 | 0.55 |
| P/B ratio | 1.24 | 0.71 |
Profitability
| Metric | FISI | PRAA |
|---|---|---|
| Operating margin | 24.17% | 38.59% |
| Net margin | 26.18% | -19.43% |
| ROE | 12.84% | -25.35% |
Financial Institutions, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
PRA Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FISI | PRAA |
|---|---|---|
| Dividend yield | 3.20% | N/A |
| Payout ratio | 31.44% | N/A |
Growth (annualized)
| Metric | FISI | PRAA |
|---|---|---|
| Revenue CAGR (5Y) | 8.78% | 4.06% |
| EPS CAGR (5Y) | 9.68% | N/A |
| Total return CAGR (5Y) | 10.04% | -14.45% |
Frequently asked
- Which has grown faster, FISI or PRAA?
- Over the past five years, FISI grew revenue faster — FISI at a 8.78% CAGR versus PRAA at 4.06%.
- Does FISI or PRAA pay a bigger dividend?
- FISI pays a dividend (3.20% yield), while PRAA is a former payer with no current dividend run rate.
- Is FISI or PRAA more profitable?
- FISI runs the higher net margin — FISI at 26.18% versus PRAA at -19.43%.
- How have FISI and PRAA total returns compared?
- Over the past 10 years, FISI delivered 8.47% and PRAA delivered -5.67% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Financial Institutions & PRA appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.