PRAA vs RGLD Stock Comparison

Pra and Royal Gold Prices as of Oct 29, 2026 Peers: Industry group
PRAA Pra Group Inc
$20.04 +3.1% 1M +43.9% 1Y
Market cap
$754.47M
P/E
–
Revenue (TTM)
$1.33B
Div. yield
–
Specialty Finance Financial Services
2 wins
RGLD Royal Gold Inc
$236.83 -0.9% 1M +33.9% 1Y
Market cap
$20.05B
P/E
27.2x
Revenue (TTM)
$1.55B
Div. yield
0.80%
Specialty Finance Financial Services
8 wins

Head to Head

10 decided of 12

Royal Gold leads on 8 of the 12 questions below (Royal Gold 8, Pra 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionPRAARGLDLeader
Larger companyMarket capitalisation $754.47M $20.05B RGLD
Cheaper on earningsLower P/E, profitable companies only -2.9x 27.2x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 5.6x 21.8x PRAA
Faster revenue growthRevenue growth, trailing twelve months +17.6% +93.5% RGLD
More profitableNet margin, trailing twelve months -19.9% 47.7% RGLD
Better return on capitalReturn on invested capital 1.4% 9.7% RGLD
Less leveragedLower net debt / EBITDA 42.4x 0.2x RGLD
Higher dividend yieldTrailing dividend yield 0.00% 0.80% –
Better 1-year returnPrice return, last 12 months +43.9% +33.9% PRAA
Better 5-year returnAnnualised price return, 5 years -14.1%/yr +19.1%/yr RGLD
Less volatileAnnualised volatility, 1 year 59.8% 41.1% RGLD
Higher overall scoreMean of the five percentile scores vs peers 32/100 69/100 RGLD

Percentile Scorecard

PRAARGLD

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisPRAARGLD
Valuation 36 #109 of 169 19 #137 of 169
Growth 17 #132 of 159 94 #11 of 159
Profitability 29 #104 of 146 95 #9 of 146
Financial Health 15 #131 of 153 92 #13 of 153
Shareholder Returns 61 #53 of 135 45 #75 of 135
Overall 32 69
  • PRAA ranked among 174 companies in Lending and Credit
  • RGLD ranked among 174 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodPRAARGLDSPY
1 month +3.1%-0.9% +0.7%
3 months +15.5%+16.6% +3.7%
6 months -8.0%+1.5% +7.1%
Year to date +13.3%+6.5% +12.8%
1 year +43.9%+33.9% +11.9%
3 years +62.8%+123.0% +85.2%
3 years, per year +17.7%+30.7% +22.8%
5 years -53.3%+139.2% +67.6%
5 years, per year -14.1%+19.1% +10.9%
10 years -37.0%+258.5% +262.0%
10 years, per year -4.5%+13.6% +13.7%

Risk

MeasurePRAARGLDSPY
Volatility, 1Y 59.8%41.1% 12.7%
Downside volatility, 1Y 61.9%41.5% 12.6%
Beta vs S&P 500, 1Y 0.911.50 1.00
Return / volatility, 1Y 0.730.83 0.94
Max drawdown, 5Y -79.3%-40.9% -25.4%
From 52-week high -9.9%-22.2% -1.2%
52-week high $22.23$304.29 $779.14
52-week low $10.42$169.08 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultiplePRAARGLD
P/E now vs peer median -2.9xmedian 11.7x 27.2xmedian 11.7x
P/S now vs peer median 0.6xmedian 2.7x 13.0xmedian 2.7x
EV/EBITDA now vs peer median 51.3xmedian 13.1x 16.2xmedian 13.1x
P/FCF now vs peer median -19.9xmedian 6.5x 34,279xmedian 6.5x
P/B now vs peer median 0.7xmedian 0.7x 2.6xmedian 0.7x
PEG now vs peer median 0.02median 0.33 0.77median 0.33

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsPRAARGLD
Revenue $1.33B $1.55B
Gross profit – $1.34B
Operating income $66.58M $950.24M
Net income -$260.46M $739.81M
Free cash flow -$37.85M $585.00K
EPS (diluted) $-6.92 $8.68
Cash & equivalents $132.43M $182.47M
Total debt $3.76B $395.89M
Shares (diluted) 38.30M 85.05M
Enterprise value $352.82M $19.28B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricPRAARGLD
P/E -2.9x 27.2x
P/FCF -19.9x 34,279x
P/Operating cash flow -24.0x 19.2x
P/S 0.6x 13.0x
P/B 0.7x 2.6x
P/Tangible book 0.7x 2.6x
EV/EBITDA 51.3x 16.2x
EV/EBIT 65.8x 21.3x
EV/Revenue 3.3x 13.1x
EV/FCF -115.8x 34,644x
EV/Operating cash flow -139.6x 19.4x
PEG (3Y EPS CAGR) 0.02 0.77

Growth

14 metrics
MetricPRAARGLD
Revenue growth (1Y) 17.6% 93.5%
Revenue CAGR (3Y) 16.9% 36.5%
Gross profit growth (1Y) – 92.3%
Gross profit CAGR (3Y) – 37.9%
Operating income growth (1Y) -80.6% 83.7%
Operating income CAGR (3Y) -22.3% 48.0%
Net income growth (1Y) -344.6% 64.5%
Net income CAGR (3Y) -141.7% 47.6%
EPS growth (1Y) -397.4% 27.1%
EPS CAGR (3Y) -131.9% 35.5%
Operating cash flow growth (1Y) 45.5% 84.2%
Operating cash flow CAGR (3Y) -21.5% 36.3%
Free cash flow growth (1Y) 38.9% -99.8%
Free cash flow CAGR (3Y) -17.0% 26.0%

Profitability

14 metrics
MetricPRAARGLD
Gross margin – 86.9%
EBITDA margin 6.4% 80.8%
Operating margin 5.0% 61.4%
Pretax margin -14.2% 58.8%
Net margin -19.9% 47.7%
FCF margin -2.8% 0.0%
Operating cash flow margin -2.4% 67.5%
Return on equity -23.3% 9.9%
Return on assets -4.9% 7.9%
Return on invested capital 1.4% 9.7%
Return on capital employed – 10.2%
Asset turnover 0.3x 0.2x
Cash conversion (OCF / net income) 0.1x 1.4x
Stock comp / revenue 1.3% 0.8%

Financial Health

11 metrics
MetricPRAARGLD
Debt / assets 71.8% 4.2%
Debt / equity 3.4x 0.1x
Net debt / EBITDA 42.4x 0.2x
Debt / FCF -99.3x 676.7x
Liabilities / assets 78.8% 19.2%
Equity / assets 21.2% 80.8%
Interest coverage 0.3x 19.2x
Current ratio – 2.9x
Quick ratio – 2.5x
Cash ratio – 1.4x
Altman Z-score – 7.40

Shareholder Returns

7 metrics
MetricPRAARGLD
Dividend yield – 0.8%
Net buyback yield 4.0% 0.0%
Shareholder yield 4.0% 0.8%
Payout ratio (earnings) – 18.9%
Payout ratio (FCF) – 23,897%
Dividend growth (1Y) – 25.0%
Dividend CAGR (3Y) – 13.6%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusPRAARGLD
Forward P/E 5.6xFY2026 21.8xFY2026
EPS, next fiscal year $3.55FY2026 $10.85FY2026
EPS growth, next FY – +48.0%FY2026
EPS growth, the year after +5.9% +24.1%
Revenue, next fiscal year $1.33BFY2026 $1.96BFY2026
Revenue growth, next FY +10.7%FY2026 +90.4%FY2026
Revenue growth, the year after -12.2% +4.5%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersPRAARGLD
Held by institutions 93.6% 83.5%
Institutions holding 199 763
Change in shares held, QoQ -5.2% +1.2%
Institutions buying 100 378
Institutions selling 71 265
Buyers to sellers 1.41 1.43

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

PRAARGLD
PRAA 1.00 0.05
RGLD 0.05 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, PRAA and RGLD?

Royal Gold (RGLD) is the largest by market capitalisation: Pra (PRAA) $754.47M, Royal Gold (RGLD) $20.05B.

Which company is growing faster?

Royal Gold (RGLD) grew revenue fastest over the trailing twelve months: Pra (PRAA) +17.6%, Royal Gold (RGLD) +93.5%.

Which company is more profitable?

Royal Gold (RGLD) has the highest net margin (Pra (PRAA) -19.9%, Royal Gold (RGLD) 47.7%). On return on invested capital, Royal Gold (RGLD) leads (Pra (PRAA) 1.4%, Royal Gold (RGLD) 9.7%).

Which stock has performed better?

Over the past year Pra (PRAA) returned the most: Pra (PRAA) +43.9%, Royal Gold (RGLD) +33.9%. Over five years, Royal Gold (RGLD) compounded fastest (Pra (PRAA) -14.1%/yr, Royal Gold (RGLD) +19.1%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Pra (PRAA) 0.00%, Royal Gold (RGLD) 0.80%. Pra (PRAA) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Royal Gold (RGLD) has been the steadiest (Pra (PRAA) 59.8%, Royal Gold (RGLD) 41.1%). Volatility measures how widely the price swings, not the risk of the business.

Do PRAA and RGLD move together?

Their daily returns over the past year have a correlation of 0.05, a weak relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, PRAA and RGLD?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Royal Gold (RGLD) leads on 8. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.