LPRO
Price
$2.02
Change
+$0.05 (+2.54%)
Updated
Oct 14 closing price
Capitalization
239.3M
27 days until earnings call
Intraday Buy/Sell Signals
PRAA
Price
$14.31
Change
+$0.70 (+5.14%)
Updated
Oct 14 closing price
Capitalization
559.14M
19 days until earnings call
Intraday Buy/Sell Signals
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LPRO vs PRAA

Header iconLPRO vs PRAA Comparison
Open Charts LPRO vs PRAABanner chart's image
Open Lending
Price$2.02
Change+$0.05 (+2.54%)
Volume$664.75K
Capitalization239.3M
PRA Group
Price$14.31
Change+$0.70 (+5.14%)
Volume$530.34K
Capitalization559.14M
LPRO vs PRAA Comparison Chart in %
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
Oct 16, 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
Oct 16, 2025
Stock price -- (LPRO: $2.02 vs. PRAA: $14.31)
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: 113% vs. PRAA: 183%
Market capitalization -- LPRO: $239.3M vs. PRAA: $559.14M
LPRO [@Savings Banks] is valued at $239.3M. PRAA’s [@Savings Banks] market capitalization is $559.14M. The market cap for tickers in the [@Savings Banks] industry ranges from $676.19B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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, LPRO 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.

LPRO’s TA Score shows that 3 TA indicator(s) are bullish while PRAA’s TA Score has 4 bullish TA indicator(s).

  • LPRO’s TA Score: 3 bullish, 6 bearish.
  • PRAA’s TA Score: 4 bullish, 6 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 0.00% price change this week, while PRAA (@Savings Banks) price change was +3.10% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.11%. For the same industry, the average monthly price growth was -0.08%, and the average quarterly price growth was +44.98%.

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 (+0.11% 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($559M) has a higher market cap than LPRO($239M). LPRO has higher P/E ratio than PRAA: LPRO (69.00) vs PRAA (6.17). PRAA YTD gains are higher at: -31.498 vs. LPRO (-66.164). PRAA has higher annual earnings (EBITDA): 246M vs. LPRO (-61.84M). LPRO has more cash in the bank: 231M vs. PRAA (196M). LPRO has less debt than PRAA: LPRO (189M) vs PRAA (3.64B). PRAA has higher revenues than LPRO: PRAA (1.14B) vs LPRO (16.3M).
LPROPRAALPRO / PRAA
Capitalization239M559M43%
EBITDA-61.84M246M-25%
Gain YTD-66.164-31.498210%
P/E Ratio69.006.171,119%
Revenue16.3M1.14B1%
Total Cash231M196M118%
Total Debt189M3.64B5%
FUNDAMENTALS RATINGS
LPRO vs PRAA: Fundamental Ratings
LPRO
PRAA
OUTLOOK RATING
1..100
6556
VALUATION
overvalued / fair valued / undervalued
1..100
95
Overvalued
27
Undervalued
PROFIT vs RISK RATING
1..100
100100
SMR RATING
1..100
9979
PRICE GROWTH RATING
1..100
5189
P/E GROWTH RATING
1..100
8100
SEASONALITY SCORE
1..100
n/an/a

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 (27) in the Miscellaneous Commercial Services industry is significantly better than the same rating for LPRO (95) in the null industry. This means that PRAA’s stock grew significantly 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 (79) in the Miscellaneous Commercial Services industry is in the same range as LPRO (99) in the null industry. This means that PRAA’s stock grew similarly to LPRO’s over the last 12 months.

LPRO's Price Growth Rating (51) in the null industry is somewhat better than the same rating for PRAA (89) in the Miscellaneous Commercial Services industry. This means that LPRO’s stock grew somewhat faster than PRAA’s over the last 12 months.

LPRO's P/E Growth Rating (8) 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 (%)
N/A
Bullish Trend 8 days ago
56%
Stochastic
ODDS (%)
Bullish Trend 8 days ago
79%
Bullish Trend 8 days ago
71%
Momentum
ODDS (%)
Bearish Trend 8 days ago
81%
Bearish Trend 8 days ago
61%
MACD
ODDS (%)
Bearish Trend 8 days ago
82%
Bearish Trend 8 days ago
70%
TrendWeek
ODDS (%)
Bullish Trend 8 days ago
76%
Bearish Trend 8 days ago
71%
TrendMonth
ODDS (%)
Bearish Trend 8 days ago
84%
Bearish Trend 8 days ago
70%
Advances
ODDS (%)
Bullish Trend 13 days ago
77%
Bullish Trend 20 days ago
65%
Declines
ODDS (%)
Bearish Trend 9 days ago
86%
Bearish Trend 9 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 8 days ago
77%
Bullish Trend 8 days ago
56%
Aroon
ODDS (%)
Bullish Trend 8 days ago
75%
Bearish Trend 8 days ago
65%
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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%
+2.54%
LC - LPRO
44%
Loosely correlated
+4.83%
ENVA - LPRO
34%
Loosely correlated
+4.24%
PRAA - LPRO
30%
Poorly correlated
+5.14%
MFIN - LPRO
29%
Poorly correlated
+6.70%
WRLD - LPRO
28%
Poorly correlated
+6.94%
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%
+5.14%
ECPG - PRAA
59%
Loosely correlated
+1.88%
OMF - PRAA
53%
Loosely correlated
+4.81%
ALLY - PRAA
50%
Loosely correlated
+5.47%
ENVA - PRAA
50%
Loosely correlated
+4.24%
AGM - PRAA
50%
Loosely correlated
+1.24%
More