PRA GROUP INC (PRAA) Fundamental Analysis & Valuation

NASDAQ:PRAA • US69354N1063

Current stock price

22.065 USD
+0.16 (+0.71%)
Last:

This PRAA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PRAA Profitability Analysis

1.1 Basic Checks

  • In the past year PRAA was profitable.
  • PRAA had a negative operating cash flow in the past year.
  • In multiple years PRAA reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PRAA reported negative operating cash flow in multiple years.
PRAA Yearly Net Income VS EBIT VS OCF VS FCFPRAA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M

1.2 Ratios

  • The Return On Assets of PRAA (-5.98%) is worse than 92.59% of its industry peers.
  • PRAA has a Return On Equity of -31.14%. This is amonst the worse of the industry: PRAA underperforms 90.74% of its industry peers.
  • The Return On Invested Capital of PRAA (6.29%) is better than 62.96% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PRAA is below the industry average of 9.54%.
  • The 3 year average ROIC (4.69%) for PRAA is below the current ROIC(6.29%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -5.98%
ROE -31.14%
ROIC 6.29%
ROA(3y)-2.13%
ROA(5y)0.12%
ROE(3y)-10.69%
ROE(5y)-1.66%
ROIC(3y)4.69%
ROIC(5y)5.44%
PRAA Yearly ROA, ROE, ROICPRAA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • With an excellent Operating Margin value of 31.81%, PRAA belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PRAA has remained more or less at the same level.
  • PRAA has a Gross Margin of 79.94%. This is in the better half of the industry: PRAA outperforms 72.22% of its industry peers.
  • In the last couple of years the Gross Margin of PRAA has remained more or less at the same level.
Industry RankSector Rank
OM 31.81%
PM (TTM) N/A
GM 79.94%
OM growth 3Y2.47%
OM growth 5Y-0.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y-0.45%
PRAA Yearly Profit, Operating, Gross MarginsPRAA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PRAA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRAA is destroying value.
  • PRAA has less shares outstanding than it did 1 year ago.
  • PRAA has less shares outstanding than it did 5 years ago.
  • PRAA has a worse debt/assets ratio than last year.
PRAA Yearly Shares OutstandingPRAA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
PRAA Yearly Total Debt VS Total AssetsPRAA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • PRAA has an Altman-Z score of 2.04. This is not the best score and indicates that PRAA is in the grey zone with still only limited risk for bankruptcy at the moment.
  • PRAA has a better Altman-Z score (2.04) than 77.78% of its industry peers.
  • PRAA has a Debt/Equity ratio of 3.88. This is a high value indicating a heavy dependency on external financing.
  • PRAA's Debt to Equity ratio of 3.88 is on the low side compared to the rest of the industry. PRAA is outperformed by 61.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.88
Debt/FCF N/A
Altman-Z 2.04
ROIC/WACC0.82
WACC7.67%
PRAA Yearly LT Debt VS Equity VS FCFPRAA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 24.82 indicates that PRAA has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 24.82, PRAA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • PRAA has a Quick Ratio of 24.82. This indicates that PRAA is financially healthy and has no problem in meeting its short term obligations.
  • PRAA has a Quick ratio of 24.82. This is amongst the best in the industry. PRAA outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 24.82
Quick Ratio 24.82
PRAA Yearly Current Assets VS Current LiabilitesPRAA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PRAA Growth Analysis

3.1 Past

  • PRAA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.64%, which is quite impressive.
  • Measured over the past years, PRAA shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.81% on average per year.
  • PRAA shows a small growth in Revenue. In the last year, the Revenue has grown by 7.83%.
  • PRAA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.44% yearly.
EPS 1Y (TTM)34.64%
EPS 3Y-6.2%
EPS 5Y-5.81%
EPS Q2Q%210.64%
Revenue 1Y (TTM)7.83%
Revenue growth 3Y7.53%
Revenue growth 5Y2.44%
Sales Q2Q%13.69%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.21% on average over the next years.
EPS Next Y6.02%
EPS Next 2Y12.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.9%
Revenue Next 2Y3.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PRAA Yearly Revenue VS EstimatesPRAA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
PRAA Yearly EPS VS EstimatesPRAA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4 -6 -8

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Find the best growth stocksShow best growing peers

4

4. PRAA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.16, the valuation of PRAA can be described as reasonable.
  • PRAA's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, PRAA is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.64, which indicates a very decent valuation of PRAA.
  • PRAA's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, PRAA is valued rather cheaply.
Industry RankSector Rank
PE 9.16
Fwd PE 8.64
PRAA Price Earnings VS Forward Price EarningsPRAA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 74.07% of the companies in the same industry are more expensive than PRAA, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.56
PRAA Per share dataPRAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • PRAA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as PRAA's earnings are expected to grow with 12.02% in the coming years.
PEG (NY)1.52
PEG (5Y)N/A
EPS Next 2Y12.02%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PRAA Dividend Analysis

5.1 Amount

  • No dividends for PRAA!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PRAA Fundamentals: All Metrics, Ratios and Statistics

PRA GROUP INC

NASDAQ:PRAA (4/30/2026, 2:02:04 PM)

22.065

+0.16 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength59.01
Industry Growth96.89
Earnings (Last)02-26
Earnings (Next)05-07
Inst Owners99.28%
Inst Owner Change0.22%
Ins Owners1.94%
Ins Owner Change6.79%
Market Cap848.40M
Revenue(TTM)1.20B
Net Income(TTM)-305.14M
Analysts77.78
Price Target26.52 (20.19%)
Short Float %2.46%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)240.22%
Min EPS beat(2)29.9%
Max EPS beat(2)450.53%
EPS beat(4)2
Avg EPS beat(4)93.48%
Min EPS beat(4)-80.05%
Max EPS beat(4)450.53%
EPS beat(8)6
Avg EPS beat(8)163.02%
EPS beat(12)9
Avg EPS beat(12)82.17%
EPS beat(16)13
Avg EPS beat(16)70.67%
Revenue beat(2)2
Avg Revenue beat(2)8.14%
Min Revenue beat(2)3.14%
Max Revenue beat(2)13.15%
Revenue beat(4)2
Avg Revenue beat(4)-2.79%
Min Revenue beat(4)-19.87%
Max Revenue beat(4)13.15%
Revenue beat(8)4
Avg Revenue beat(8)-3.2%
Revenue beat(12)7
Avg Revenue beat(12)-4.25%
Revenue beat(16)9
Avg Revenue beat(16)-2.78%
PT rev (1m)0%
PT rev (3m)14.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)26.15%
EPS NY rev (1m)81.08%
EPS NY rev (3m)13.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.03%
Valuation
Industry RankSector Rank
PE 9.16
Fwd PE 8.64
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.87
P/tB 0.89
EV/EBITDA 11.56
EPS(TTM)2.41
EY10.92%
EPS(NY)2.56
Fwd EY11.58%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.22
OCFYN/A
SpS31.26
BVpS25.48
TBVpS24.78
PEG (NY)1.52
PEG (5Y)N/A
Graham Number37.1733 (68.47%)
Profitability
Industry RankSector Rank
ROA -5.98%
ROE -31.14%
ROCE 7.79%
ROIC 6.29%
ROICexc 6.43%
ROICexgc 6.56%
OM 31.81%
PM (TTM) N/A
GM 79.94%
FCFM N/A
ROA(3y)-2.13%
ROA(5y)0.12%
ROE(3y)-10.69%
ROE(5y)-1.66%
ROIC(3y)4.69%
ROIC(5y)5.44%
ROICexc(3y)4.8%
ROICexc(5y)5.56%
ROICexgc(3y)5.16%
ROICexgc(5y)6.18%
ROCE(3y)5.81%
ROCE(5y)6.73%
ROICexgc growth 3Y-1.48%
ROICexgc growth 5Y-3.4%
ROICexc growth 3Y2.68%
ROICexc growth 5Y-1.12%
OM growth 3Y2.47%
OM growth 5Y-0.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y-0.45%
F-Score4
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 3.88
Debt/FCF N/A
Debt/EBITDA 9.68
Cap/Depr 46.18%
Cap/Sales 0.4%
Interest Coverage 1.48
Cash Conversion N/A
Profit Quality N/A
Current Ratio 24.82
Quick Ratio 24.82
Altman-Z 2.04
F-Score4
WACC7.67%
ROIC/WACC0.82
Cap/Depr(3y)33.06%
Cap/Depr(5y)51.98%
Cap/Sales(3y)0.37%
Cap/Sales(5y)0.7%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.64%
EPS 3Y-6.2%
EPS 5Y-5.81%
EPS Q2Q%210.64%
EPS Next Y6.02%
EPS Next 2Y12.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.83%
Revenue growth 3Y7.53%
Revenue growth 5Y2.44%
Sales Q2Q%13.69%
Revenue Next Year3.9%
Revenue Next 2Y3.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.54%
EBIT growth 3Y10.19%
EBIT growth 5Y1.8%
EBIT Next Year182.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.57%
OCF growth 3YN/A
OCF growth 5YN/A

PRA GROUP INC / PRAA Fundamental Analysis FAQ

What is the fundamental rating for PRAA stock?

ChartMill assigns a fundamental rating of 4 / 10 to PRAA.


What is the valuation status for PRAA stock?

ChartMill assigns a valuation rating of 4 / 10 to PRA GROUP INC (PRAA). This can be considered as Fairly Valued.


Can you provide the profitability details for PRA GROUP INC?

PRA GROUP INC (PRAA) has a profitability rating of 4 / 10.


How financially healthy is PRA GROUP INC?

The financial health rating of PRA GROUP INC (PRAA) is 5 / 10.


Can you provide the expected EPS growth for PRAA stock?

The Earnings per Share (EPS) of PRA GROUP INC (PRAA) is expected to grow by 6.02% in the next year.