# SIC 6153 - Short-Term Business Credit Institutions

Informational only - not investment advice.

Division: [Finance, Insurance, And Real Estate](/division/H/). Major group: [SIC Major Group 61](/major-group/61/). As of: 2026-03-02

## Companies
- [ECPG](/company/ECPG/): ENCORE CAPITAL GROUP INC
- [PRAA](/company/PRAA/): PRA GROUP INC

## Macro Context
- [M2SL](/indicator/M2SL/): M2
- [FEDFUNDS](/indicator/FEDFUNDS/): Federal Funds Effective Rate
- [DFEDTARU](/indicator/DFEDTARU/): Federal Funds Target Range - Upper Limit
- [DGS2](/indicator/DGS2/): Market Yield on U.S. Treasury Securities at 2-Year Constant Maturity
- [DGS10](/indicator/DGS10/): Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity
- [T10Y2Y](/indicator/T10Y2Y/): 10-Year Treasury Constant Maturity Minus 2-Year Treasury Constant Maturity
- [HOUST](/indicator/HOUST/): New Privately-Owned Housing Units Started: Total Units
- [PERMIT](/indicator/PERMIT/): New Privately-Owned Housing Units Authorized in Permit-Issuing Places: Total Units

## Sector financials

Peer figures are build-time aggregates of the SEC companyfacts financials already shown on member company pages. As of latest member filing date: 2026-03-02.

N = 2 member companies with financial data; n too small for median peer statistics.

| Companies with data | Companies with revenue | Aggregate revenue |
| ---: | ---: | ---: |
| 2 | 2 | 2,970,639,000 |

### Peer Table

| Company | Latest revenue | Revenue FY | Net margin | Operating margin | Revenue growth | Diluted EPS |
| --- | ---: | ---: | ---: | ---: | ---: | ---: |
| [ECPG](/company/ECPG/) - ENCORE CAPITAL GROUP INC | 1,768,802,000 | 2025 | 14.52% | 35.43% | 34.37% | 10.91 |
| [PRAA](/company/PRAA/) - PRA GROUP INC | 1,201,837,000 | 2025 | -25.39% | -2.52% | 7.83% | -7.79 |

## Sources
Macro data:
- [M2SL](https://fred.stlouisfed.org/series/M2SL): FRED series M2SL, source: Board of Governors of the Federal Reserve System
- [FEDFUNDS](https://fred.stlouisfed.org/series/FEDFUNDS): FRED series FEDFUNDS, source: Board of Governors of the Federal Reserve System
- [DFEDTARU](https://fred.stlouisfed.org/series/DFEDTARU): FRED series DFEDTARU, source: Board of Governors of the Federal Reserve System
- [DGS2](https://fred.stlouisfed.org/series/DGS2): FRED series DGS2, source: Board of Governors / U.S. Treasury market data
- [DGS10](https://fred.stlouisfed.org/series/DGS10): FRED series DGS10, source: Board of Governors / U.S. Treasury market data
- [T10Y2Y](https://fred.stlouisfed.org/series/T10Y2Y): FRED series T10Y2Y, source: Board of Governors / U.S. Treasury market data
- [HOUST](https://fred.stlouisfed.org/series/HOUST): FRED series HOUST, source: U.S. Census Bureau and U.S. Department of Housing and Urban Development
- [PERMIT](https://fred.stlouisfed.org/series/PERMIT): FRED series PERMIT, source: U.S. Census Bureau and U.S. Department of Housing and Urban Development

SEC data:
- [ECPG SEC company page](https://www.sec.gov/edgar/browse/?CIK=1084961); [latest 10-K 0001084961-26-000009](https://www.sec.gov/Archives/edgar/data/1084961/000108496126000009/ecpg-20251231.htm); [latest 10-Q 0001084961-26-000039](https://www.sec.gov/Archives/edgar/data/1084961/000108496126000039/ecpg-20260331.htm)
- [PRAA SEC company page](https://www.sec.gov/edgar/browse/?CIK=1185348); [latest 10-K 0001185348-26-000006](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000006/praa-20251231.htm); [latest 10-Q 0001185348-26-000021](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000021/praa-20260331.htm)