PRA Group, Inc. (PRAA)

NMS – Real Time Price. Currency in USD

16.78

-0.36 (-2.10%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 19.18$
Day's range: 16.69 - 20.76$
52-week range: 10.25 - 22.55$
Volume: 1 314 421
Average volume: 484 100
Beta: 1.42
EPS (TTM): -7.16
PE ratio (TTM): N/A
Forward P/E: 7.63
Market cap: 737 535 120
Shares outstanding: 38 453 343
Dividend yield: N/A
Next earnings date: 2026-08-10
Sector: Financials
Industry: Credit Services

About the company

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is i... read more

CEO: Martin Sjolund
Country: United States
IPO Date
Employees: 2615
Fiscal Year End: January - December
Website: https://www.pragroup.com

Revenue Breakdown

United States / 50.86%

Europe / 38.39%

All Other / 10.75%

News

No Data

There are no news for this stock.

Chart: PRAA

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Overall Score

3.8 / 1038%

Financial Strength

Profitability

5.8

Effectiveness

Growth

3.2

Forecast

5.3

Valuation

Dividend

Economic Moat

Octagon View

Strength & Weakness

Total debt $3.9B significantly exceeds cash reserves ($124.8M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $130.6M, indicating tight liquidity

Debt-to-equity ratio (3.6) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	36.59	10.91	10
Quick ratio	N/A	10.10	1.0
Debt to Equity	3.88	3.44	2.0
Debt to Assets	0.75	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			5.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	966M	826M	1.14B	1.25B	1.29B
Gross Profit	679M	528M	778M	834M	657M
Operating Income	323M	120M	367M	418M	443M
Net Income	117M	-83M	71M	-305M	-281M
EBITDA	339M	134M	378M	429M	451M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	64.01	1.0
Operating margin %	32.83	0.03	10
Net margin %	8.97	-121.55	7.0
EBITDA margin %	33.37	-20.51	10
Cash flow margin %	N/A	-144.24	1.0
Weighted average score			5.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	-4.15	-153.95	1.0
ROE	-19.68	41.47	1.0
ROIC	-4.52	-22.19	1.0
ROCE	2.21	-1.81	5.0
Weighted average score			2.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.96	-87.5	2.5
Next quarter	-2.37	102.54	5.5
Current year	1.01	112.2	6.5
Next year	1.6	35.26	6.5
Weighted average score			5.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-5.81	-50.09	-49.99	-0.01	1.0
Y/Y	15.52	670.98	711.11	-127.16	7.5
3y average	10.98	-172.95	-174.52	-431.25	2.5
5y average	4.94	-106.44	-105.37	-284.63	1.8
Weighted average score					3.2

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	6.48	-29.69	9.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	0.59	102.37	8.8
P/B	0.73	-0.46	9.0
Weighted average score			7.0

DCF Model

DCF Model PeriodN/A

Discount rateN/A

Perpetual growth rateN/A

Revenue 5 year CAGRN/A

FCF 5 year CAGRN/A

Fair valueN/A

Stock price19.18$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$1

UndervaluedStock priceOvervalued

$19.18

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Martin Sjolund

Country

United States

IPO Date

Employees

2615

Fiscal Year End

January - December

Website

https://www.pragroup.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

36.59

10.91

Quick ratio

N/A

10.10

1.0

Debt to Equity

3.88

3.44

2.0

Debt to Assets

0.75

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

5.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

966M

826M

1.14B

1.25B

1.29B

Gross Profit

679M

528M

778M

834M

657M

Operating Income

323M

120M

367M

418M

443M

Net Income

117M

-83M

71M

-305M

-281M

EBITDA

339M

134M

378M

429M

451M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

64.01

1.0

Operating margin %

32.83

0.03

Net margin %

8.97

-121.55

7.0

EBITDA margin %

33.37

-20.51

Cash flow margin %

N/A

-144.24

1.0

Weighted average score

5.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

-4.15

-153.95

1.0

ROE

-19.68

41.47

1.0

ROIC

-4.52

-22.19

1.0

ROCE

2.21

-1.81

5.0

Weighted average score

2.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.96

-87.5

2.5

Next quarter

-2.37

102.54

5.5

Current year

1.01

112.2

6.5

Next year

1.6

35.26

6.5

Weighted average score

5.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-5.81

-50.09

-49.99

-0.01

1.0

Y/Y

15.52

670.98

711.11

-127.16

7.5

3y average

10.98

-172.95

-174.52

-431.25

2.5

5y average

4.94

-106.44

-105.37

-284.63

1.8

Weighted average score

3.2

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

6.48

-29.69

9.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

0.59

102.37

8.8

P/B

0.73

-0.46

9.0

Weighted average score

7.0

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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PRA Group, Inc. (PRAA)

Stock details

About the company

Revenue Breakdown

News

Chart: PRAA

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$19.18

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: PRAA

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$19.18

Economic Moat