JCAP
Price
$21.27
Change
+$0.08 (+0.38%)
Updated
Feb 4, 02:53 PM (EDT)
Capitalization
1.3B
21 days until earnings call
Intraday BUY SELL Signals
PRAA
Price
$11.68
Change
-$0.31 (-2.59%)
Updated
Feb 4, 03:12 PM (EDT)
Capitalization
467.8M
26 days until earnings call
Intraday BUY SELL Signals
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JCAP vs PRAA

Header iconJCAP vs PRAA Comparison
Open Charts JCAP vs PRAABanner chart's image
Jefferson Capital
Price$21.27
Change+$0.08 (+0.38%)
Volume$144
Capitalization1.3B
PRA Group
Price$11.68
Change-$0.31 (-2.59%)
Volume$228
Capitalization467.8M
JCAP vs PRAA Comparison Chart in %
JCAP
Daily Signal:
Gain/Loss:
PRAA
Daily Signal:
Gain/Loss:
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VS
JCAP vs. PRAA commentary
Feb 04, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is JCAP is a StrongBuy and PRAA is a StrongBuy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (JCAP: $21.19 vs. PRAA: $11.99)
Brand notoriety: JCAP and PRAA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: JCAP: 114% vs. PRAA: 187%
Market capitalization -- JCAP: $1.3B vs. PRAA: $467.8M
JCAP [@Savings Banks] is valued at $1.3B. PRAA’s [@Savings Banks] market capitalization is $467.8M. The market cap for tickers in the [@Savings Banks] industry ranges from $632.61B to $0. The average market capitalization across the [@Savings Banks] industry is $20.89B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

JCAP’s FA Score shows that 2 FA rating(s) are green whilePRAA’s FA Score has 1 green FA rating(s).

  • JCAP’s FA Score: 2 green, 3 red.
  • PRAA’s FA Score: 1 green, 4 red.
According to our system of comparison, JCAP is a better buy in the long-term than PRAA.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

JCAP’s TA Score shows that 4 TA indicator(s) are bullish while PRAA’s TA Score has 4 bullish TA indicator(s).

  • JCAP’s TA Score: 4 bullish, 4 bearish.
  • PRAA’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, JCAP is a better buy in the short-term than PRAA.

Price Growth

JCAP (@Savings Banks) experienced а -5.86% price change this week, while PRAA (@Savings Banks) price change was -24.16% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.58%. For the same industry, the average monthly price growth was -5.47%, and the average quarterly price growth was +1.21%.

Reported Earning Dates

JCAP is expected to report earnings on Feb 25, 2026.

PRAA is expected to report earnings on Mar 02, 2026.

Industries' Descriptions

@Savings Banks (-1.58% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
JCAP($1.3B) has a higher market cap than PRAA($468M). JCAP has higher P/E ratio than PRAA: JCAP (8.86) vs PRAA (6.33). JCAP YTD gains are higher at: -5.148 vs. PRAA (-32.222). JCAP has higher annual earnings (EBITDA): 219M vs. PRAA (-162.38M). PRAA has more cash in the bank: 171M vs. JCAP (42.3M). JCAP has less debt than PRAA: JCAP (1.19B) vs PRAA (3.64B). PRAA has higher revenues than JCAP: PRAA (1.17B) vs JCAP (577M).
JCAPPRAAJCAP / PRAA
Capitalization1.3B468M278%
EBITDA219M-162.38M-135%
Gain YTD-5.148-32.22216%
P/E Ratio8.866.33140%
Revenue577M1.17B49%
Total Cash42.3M171M25%
Total Debt1.19B3.64B33%
FUNDAMENTALS RATINGS
JCAP vs PRAA: Fundamental Ratings
JCAP
PRAA
OUTLOOK RATING
1..100
2357
VALUATION
overvalued / fair valued / undervalued
1..100
44
Fair valued
17
Undervalued
PROFIT vs RISK RATING
1..100
47100
SMR RATING
1..100
2996
PRICE GROWTH RATING
1..100
5185
P/E GROWTH RATING
1..100
3399
SEASONALITY SCORE
1..100
6050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

PRAA's Valuation (17) in the Miscellaneous Commercial Services industry is in the same range as JCAP (44) in the Real Estate Development industry. This means that PRAA’s stock grew similarly to JCAP’s over the last 12 months.

JCAP's Profit vs Risk Rating (47) in the Real Estate Development industry is somewhat better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that JCAP’s stock grew somewhat faster than PRAA’s over the last 12 months.

JCAP's SMR Rating (29) in the Real Estate Development industry is significantly better than the same rating for PRAA (96) in the Miscellaneous Commercial Services industry. This means that JCAP’s stock grew significantly faster than PRAA’s over the last 12 months.

JCAP's Price Growth Rating (51) in the Real Estate Development industry is somewhat better than the same rating for PRAA (85) in the Miscellaneous Commercial Services industry. This means that JCAP’s stock grew somewhat faster than PRAA’s over the last 12 months.

JCAP's P/E Growth Rating (33) in the Real Estate Development industry is significantly better than the same rating for PRAA (99) in the Miscellaneous Commercial Services industry. This means that JCAP’s stock grew significantly faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
JCAPPRAA
RSI
ODDS (%)
Bearish Trend 3 days ago
67%
Bullish Trend 2 days ago
61%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
64%
Momentum
ODDS (%)
Bearish Trend 2 days ago
50%
Bearish Trend 2 days ago
68%
MACD
ODDS (%)
Bearish Trend 2 days ago
90%
N/A
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
71%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
31%
Bearish Trend 2 days ago
72%
Advances
ODDS (%)
Bullish Trend 3 days ago
85%
Bullish Trend 14 days ago
66%
Declines
ODDS (%)
Bearish Trend 7 days ago
50%
Bearish Trend 7 days ago
72%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
61%
Aroon
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
74%
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JCAP
Daily Signal:
Gain/Loss:
PRAA
Daily Signal:
Gain/Loss:
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JCAP and

Correlation & Price change

A.I.dvisor tells us that JCAP and FINV have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that JCAP and FINV's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To JCAP
1D Price
Change %
JCAP100%
-2.22%
FINV - JCAP
24%
Poorly correlated
-2.52%
PRAA - JCAP
20%
Poorly correlated
-6.84%
ENVA - JCAP
17%
Poorly correlated
-7.72%
PYPL - JCAP
14%
Poorly correlated
-20.31%
ALLY - JCAP
14%
Poorly correlated
-0.24%
More

PRAA and

Correlation & Price change

A.I.dvisor indicates that over the last year, PRAA has been loosely correlated with ECPG. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if PRAA jumps, then ECPG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRAA
1D Price
Change %
PRAA100%
-6.84%
ECPG - PRAA
59%
Loosely correlated
-1.07%
OMF - PRAA
53%
Loosely correlated
-1.94%
ALLY - PRAA
53%
Loosely correlated
-0.24%
SYF - PRAA
52%
Loosely correlated
+0.52%
AGM - PRAA
50%
Loosely correlated
-0.18%
More