BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
PRAA
PRA Group, Inc.
PRAA has the edge over BLK overall, supported by stronger valuation and stronger fundamentals.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
PRAA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PRAA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRAA.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
PRAA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 2.9x | $11.88 | — |
| Forward | 6.5x | $11.88 | — |
| Cheap | 9.6x | $39.16 | +230% |
| Fair | 11x | $47.03 | +296% |
| Expensive | 20x | $83.73 | +605% |
Historical ranges are pointers, not guarantees.
PRAA has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
PRAA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect PRAA's earnings, revenue and profitability to hold roughly steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
PRAA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.82 | -55% |
| Q3 2026 | $4.10 | +$12.89 |
| Q2 2026 | -$6.72 | -388% |
| Q1 2026 | -$7.15 | -499% |
| Q4 2025 | -$7.79 | -535% |
| Q3 2025 | -$8.79 | -899% |
| Q2 2025 | $2.33 | +2230% |
| Q1 2025 | $1.79 | +$2.33 |
| Q4 2024 | $1.79 | +$3.92 |
PRAA has returned to profit: it earned $4.10 per share over the past year, after losing money the year before.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over PRAA on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
PRAA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $286.3M | -8% |
| Q2 2026 | $372.2M | +29% |
| Q1 2026 | $314.5M | +17% |
| Q4 2025 | $333.4M | +14% |
| Q3 2025 | $311.1M | +11% |
| Q2 2025 | $287.7M | +1.2% |
| Q1 2025 | $269.6M | +5.5% |
| Q4 2024 | $293.2M | +32% |
PRAA's revenue is growing: $286M last quarter, down 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +131 points |
| Q2 2026 | 41% | +12 points |
| Q1 2026 | 33% | +5.2 points |
| Q4 2025 | 38% | +5.6 points |
| Q3 2025 | -101% | -133 points |
| Q2 2025 | 30% | -1.8 points |
| Q1 2025 | 28% | +1.7 points |
| Q4 2024 | 32% | +12 points |
PRAA's operating margin was 30% last quarter, up 131 points from the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over PRAA on cash generation, producing positive trailing cash flow while its opponent burns cash.
PRAA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$22.7M | -$11.3M |
| Q2 2026 | -$38.7M | -$24.5M |
| Q1 2026 | $23.5M | +$77M |
| Q4 2025 | -$11.3M | -127% |
| Q3 2025 | -$11.3M | +$24.7M |
| Q2 2025 | -$14.2M | +$16.6M |
| Q1 2025 | -$53.5M | +$20M |
| Q4 2024 | $41.8M | +107% |
PRAA's free cash flow was −$49M over the past year, against −$37M the year before. Free cash flow isn't a meaningful measure for financial services companies like PRAA.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
PRAA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -282K shares |
| 1 year | -2.7% | -1.1M shares |
| 3 years | -3.1% | -1.2M shares |
| 5 years | -17% | -7.6M shares |
| Available history | -17% | -7.6M shares |
PRAA has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $10M |
| Q1 2026 | $10M |
| Q4 2025 | $10M |
| Q3 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q1 2023 | — |
PRAA spent $30M buying back its own shares over the past year.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
PRAA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.4x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
| Q3 2024 | -0.5x | Net Cash |
| Q2 2024 | -0.5x | Net Cash |
| Q1 2024 | -0.5x | Net Cash |
| Q4 2023 | -1.0x | Net Cash |
| Q3 2023 | -0.8x | Net Cash |
PRAA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PRAA.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
PRAA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.9 | Neutral |
| Stochastic | 21.1 | Neutral |
PRAA's weekly RSI is 33 (neutral) and its Stochastic is 21 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
PRAA PE vs Financial Services Sector
| Metric | PRAA | Sector median | Relative |
|---|---|---|---|
| PE | 2.9x | 13x | 78% below |
| PE % | 0 | 63 | 63 pts below |
PRAA has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over PRAA on trend strength, trading above more of its moving averages.
PRAA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.8 | 33% below |
| 20 week MA | $18.5 | 36% below |
| 50 week MA | $17.4 | 32% below |
| 100 week MA | $17.4 | 32% below |
| 200 week MA | $21.0 | 43% below |
PRAA is in a downtrend: it's below all five of its weekly moving averages, and 43% below its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over PRAA on returns for 2026, with the stronger performance.
PRAA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.5 | $38.8 | +6.2% |
| 2021 | $38.8 | $48.5 | +25% |
| 2022 | $48.5 | $33.4 | -31% |
| 2023 | $33.4 | $26.2 | -22% |
| 2024 | $26.2 | $20.5 | -22% |
| 2025 | $20.5 | $17.6 | -14% |
| 2026 YTD | $17.6 | $11.9 | -33% |
PRAA has finished four years in a row lower, and it's down 33% so far in 2026.