PRAA
Price
$11.56
Change
-$0.43 (-3.59%)
Updated
Feb 4, 04:59 PM (EDT)
Capitalization
467.8M
26 days until earnings call
Intraday BUY SELL Signals
SYF
Price
$75.20
Change
+$1.30 (+1.76%)
Updated
Feb 4, 04:59 PM (EDT)
Capitalization
25.67B
83 days until earnings call
Intraday BUY SELL Signals
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PRAA vs SYF

Header iconPRAA vs SYF Comparison
Open Charts PRAA vs SYFBanner chart's image
PRA Group
Price$11.56
Change-$0.43 (-3.59%)
Volume$5.71K
Capitalization467.8M
Synchrony Financial
Price$75.20
Change+$1.30 (+1.76%)
Volume$51.66K
Capitalization25.67B
PRAA vs SYF Comparison Chart in %
PRAA
Daily Signal:
Gain/Loss:
SYF
Daily Signal:
Gain/Loss:
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VS
PRAA vs. SYF commentary
Feb 05, 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 PRAA is a Hold and SYF is a StrongBuy.

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COMPARISON
Comparison
Feb 05, 2026
Stock price -- (PRAA: $11.99 vs. SYF: $73.90)
Brand notoriety: PRAA: Not notable vs. SYF: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: PRAA: 187% vs. SYF: 123%
Market capitalization -- PRAA: $467.8M vs. SYF: $25.67B
PRAA [@Savings Banks] is valued at $467.8M. SYF’s [@Savings Banks] market capitalization is $25.67B. 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).

PRAA’s FA Score shows that 1 FA rating(s) are green whileSYF’s FA Score has 2 green FA rating(s).

  • PRAA’s FA Score: 1 green, 4 red.
  • SYF’s FA Score: 2 green, 3 red.
According to our system of comparison, SYF 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.

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

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

Price Growth

PRAA (@Savings Banks) experienced а -24.16% price change this week, while SYF (@Savings Banks) price change was +1.23% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.57%. For the same industry, the average monthly price growth was -5.45%, and the average quarterly price growth was +1.31%.

Reported Earning Dates

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

SYF is expected to report earnings on Apr 28, 2026.

Industries' Descriptions

@Savings Banks (-1.57% 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
SYF($25.7B) has a higher market cap than PRAA($468M). SYF has higher P/E ratio than PRAA: SYF (7.96) vs PRAA (6.33). SYF YTD gains are higher at: -11.423 vs. PRAA (-32.222). PRAA has less debt than SYF: PRAA (3.64B) vs SYF (14.4B). SYF has higher revenues than PRAA: SYF (15B) vs PRAA (1.17B).
PRAASYFPRAA / SYF
Capitalization468M25.7B2%
EBITDA-162.38MN/A-
Gain YTD-32.222-11.423282%
P/E Ratio6.337.9679%
Revenue1.17B15B8%
Total Cash171MN/A-
Total Debt3.64B14.4B25%
FUNDAMENTALS RATINGS
PRAA vs SYF: Fundamental Ratings
PRAA
SYF
OUTLOOK RATING
1..100
5763
VALUATION
overvalued / fair valued / undervalued
1..100
17
Undervalued
98
Overvalued
PROFIT vs RISK RATING
1..100
10033
SMR RATING
1..100
964
PRICE GROWTH RATING
1..100
8561
P/E GROWTH RATING
1..100
9951
SEASONALITY SCORE
1..100
5075

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 significantly better than the same rating for SYF (98) in the Finance Or Rental Or Leasing industry. This means that PRAA’s stock grew significantly faster than SYF’s over the last 12 months.

SYF's Profit vs Risk Rating (33) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that SYF’s stock grew significantly faster than PRAA’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (96) in the Miscellaneous Commercial Services industry. This means that SYF’s stock grew significantly faster than PRAA’s over the last 12 months.

SYF's Price Growth Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (85) in the Miscellaneous Commercial Services industry. This means that SYF’s stock grew similarly to PRAA’s over the last 12 months.

SYF's P/E Growth Rating (51) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PRAA (99) in the Miscellaneous Commercial Services industry. This means that SYF’s stock grew somewhat faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PRAASYF
RSI
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
84%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
76%
Momentum
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
61%
MACD
ODDS (%)
N/A
Bearish Trend 6 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
71%
Bullish Trend 2 days ago
70%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
72%
Bearish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 14 days ago
66%
Bullish Trend 2 days ago
65%
Declines
ODDS (%)
Bearish Trend 7 days ago
72%
Bearish Trend 6 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
71%
Aroon
ODDS (%)
Bearish Trend 2 days ago
74%
Bullish Trend 2 days ago
72%
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PRAA
Daily Signal:
Gain/Loss:
SYF
Daily Signal:
Gain/Loss:
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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

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with BFH. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then BFH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
+0.52%
BFH - SYF
89%
Closely correlated
+3.22%
COF - SYF
88%
Closely correlated
-0.15%
OMF - SYF
86%
Closely correlated
-1.94%
ALLY - SYF
78%
Closely correlated
-0.24%
ENVA - SYF
72%
Closely correlated
-7.72%
More