LPRO
Price
$2.06
Change
-$0.01 (-0.48%)
Updated
Aug 15 closing price
Capitalization
243.44M
85 days until earnings call
PRAA
Price
$16.20
Change
-$0.31 (-1.88%)
Updated
Aug 15 closing price
Capitalization
632.99M
77 days until earnings call
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LPRO vs PRAA

Header iconLPRO vs PRAA Comparison
Open Charts LPRO vs PRAABanner chart's image
Open Lending
Price$2.06
Change-$0.01 (-0.48%)
Volume$426.81K
Capitalization243.44M
PRA Group
Price$16.20
Change-$0.31 (-1.88%)
Volume$373.63K
Capitalization632.99M
LPRO vs PRAA Comparison Chart in %
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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PRAA
Daily Signalchanged days ago
Gain/Loss if bought
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LPRO vs. PRAA commentary
Aug 18, 2025

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 LPRO is a Hold and PRAA is a Hold.

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COMPARISON
Comparison
Aug 18, 2025
Stock price -- (LPRO: $2.06 vs. PRAA: $16.20)
Brand notoriety: LPRO and PRAA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: LPRO: 44% vs. PRAA: 96%
Market capitalization -- LPRO: $243.44M vs. PRAA: $632.99M
LPRO [@Savings Banks] is valued at $243.44M. PRAA’s [@Savings Banks] market capitalization is $632.99M. The market cap for tickers in the [@Savings Banks] industry ranges from $668.6B to $0. The average market capitalization across the [@Savings Banks] industry is $21.61B.

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).

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

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

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.

LPRO’s TA Score shows that 4 TA indicator(s) are bullish while PRAA’s TA Score has 5 bullish TA indicator(s).

  • LPRO’s TA Score: 4 bullish, 6 bearish.
  • PRAA’s TA Score: 5 bullish, 2 bearish.
According to our system of comparison, PRAA is a better buy in the short-term than LPRO.

Price Growth

LPRO (@Savings Banks) experienced а -7.62% price change this week, while PRAA (@Savings Banks) price change was +5.13% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +2.72%. For the same industry, the average monthly price growth was +3.77%, and the average quarterly price growth was +14.34%.

Reported Earning Dates

LPRO is expected to report earnings on Nov 11, 2025.

PRAA is expected to report earnings on Nov 03, 2025.

Industries' Descriptions

@Savings Banks (+2.72% 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
PRAA($633M) has a higher market cap than LPRO($243M). LPRO has higher P/E ratio than PRAA: LPRO (69.00) vs PRAA (6.98). PRAA YTD gains are higher at: -22.451 vs. LPRO (-65.494). PRAA has higher annual earnings (EBITDA): 216M vs. LPRO (-58.47M). LPRO has more cash in the bank: 236M vs. PRAA (189M). LPRO has less debt than PRAA: LPRO (198M) vs PRAA (3.5B). PRAA has higher revenues than LPRO: PRAA (1.14B) vs LPRO (17.7M).
LPROPRAALPRO / PRAA
Capitalization243M633M38%
EBITDA-58.47M216M-27%
Gain YTD-65.494-22.451292%
P/E Ratio69.006.98988%
Revenue17.7M1.14B2%
Total Cash236M189M125%
Total Debt198M3.5B6%
FUNDAMENTALS RATINGS
LPRO vs PRAA: Fundamental Ratings
LPRO
PRAA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
95
Overvalued
33
Fair valued
PROFIT vs RISK RATING
1..100
100100
SMR RATING
1..100
9881
PRICE GROWTH RATING
1..100
9062
P/E GROWTH RATING
1..100
9100
SEASONALITY SCORE
1..100
5050

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 (33) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for LPRO (95) in the null industry. This means that PRAA’s stock grew somewhat faster than LPRO’s over the last 12 months.

PRAA's Profit vs Risk Rating (100) in the Miscellaneous Commercial Services industry is in the same range as LPRO (100) in the null industry. This means that PRAA’s stock grew similarly to LPRO’s over the last 12 months.

PRAA's SMR Rating (81) in the Miscellaneous Commercial Services industry is in the same range as LPRO (98) in the null industry. This means that PRAA’s stock grew similarly to LPRO’s over the last 12 months.

PRAA's Price Growth Rating (62) in the Miscellaneous Commercial Services industry is in the same range as LPRO (90) in the null industry. This means that PRAA’s stock grew similarly to LPRO’s over the last 12 months.

LPRO's P/E Growth Rating (9) in the null industry is significantly better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that LPRO’s stock grew significantly faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LPROPRAA
RSI
ODDS (%)
Bearish Trend 4 days ago
87%
N/A
Stochastic
ODDS (%)
Bullish Trend 4 days ago
75%
Bullish Trend 4 days ago
67%
Momentum
ODDS (%)
Bearish Trend 4 days ago
83%
Bullish Trend 4 days ago
69%
MACD
ODDS (%)
Bearish Trend 4 days ago
84%
Bullish Trend 4 days ago
72%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
85%
Bullish Trend 4 days ago
67%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
83%
Bullish Trend 4 days ago
66%
Advances
ODDS (%)
Bullish Trend 12 days ago
77%
Bullish Trend 6 days ago
64%
Declines
ODDS (%)
Bearish Trend 4 days ago
86%
Bearish Trend 4 days ago
72%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
85%
Bearish Trend 4 days ago
62%
Aroon
ODDS (%)
Bullish Trend 4 days ago
77%
Bullish Trend 4 days ago
62%
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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PRAA
Daily Signalchanged days ago
Gain/Loss if bought
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LPRO and

Correlation & Price change

A.I.dvisor indicates that over the last year, LPRO has been loosely correlated with LC. These tickers have moved in lockstep 44% of the time. This A.I.-generated data suggests there is some statistical probability that if LPRO jumps, then LC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LPRO
1D Price
Change %
LPRO100%
-0.48%
LC - LPRO
44%
Loosely correlated
-0.13%
ENVA - LPRO
34%
Loosely correlated
-2.82%
PRAA - LPRO
30%
Poorly correlated
-1.88%
MFIN - LPRO
29%
Poorly correlated
-1.36%
WRLD - LPRO
28%
Poorly correlated
+0.06%
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%
-1.88%
ECPG - PRAA
59%
Loosely correlated
-2.24%
OMF - PRAA
51%
Loosely correlated
-2.09%
AGM - PRAA
50%
Loosely correlated
+0.14%
UHAL - PRAA
49%
Loosely correlated
-0.93%
SYF - PRAA
49%
Loosely correlated
-1.84%
More