16.94 USD
+0.12 (+0.71%)
16.94 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to PRAA. PRAA was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of PRAA get a neutral evaluation. Nothing too spectacular is happening here. PRAA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year PRAA was profitable.
PRAA had a negative operating cash flow in the past year.
PRAA had positive earnings in 4 of the past 5 years.
In multiple years PRAA reported negative operating cash flow during the last 5 years.
1.2 Ratios
PRAA has a Return On Assets of -6.87%. This is amonst the worse of the industry: PRAA underperforms 90.91% of its industry peers.
Looking at the Return On Equity, with a value of -36.96%, PRAA is doing worse than 90.91% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.90%, PRAA is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PRAA is significantly below the industry average of 12.59%.
The last Return On Invested Capital (5.90%) for PRAA is above the 3 year average (4.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.87% | ||
| ROE | -36.96% | ||
| ROIC | 5.9% |
ROA(3y)0.8%
ROA(5y)1.99%
ROE(3y)2.87%
ROE(5y)6.79%
ROIC(3y)4.53%
ROIC(5y)5.51%
1.3 Margins
In the last couple of years the Profit Margin of PRAA has declined.
PRAA has a Operating Margin of 30.21%. This is amongst the best in the industry. PRAA outperforms 85.45% of its industry peers.
In the last couple of years the Operating Margin of PRAA has grown nicely.
PRAA's Gross Margin of 79.54% is fine compared to the rest of the industry. PRAA outperforms 72.73% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.21% | ||
| PM (TTM) | N/A | ||
| GM | 79.54% |
OM growth 3Y-3.79%
OM growth 5Y2.67%
PM growth 3Y-27.64%
PM growth 5Y-5.66%
GM growth 3Y-0.62%
GM growth 5Y-0.7%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRAA is destroying value.
The number of shares outstanding for PRAA has been increased compared to 1 year ago.
The number of shares outstanding for PRAA has been reduced compared to 5 years ago.
Compared to 1 year ago, PRAA has a worse debt to assets ratio.
2.2 Solvency
PRAA has an Altman-Z score of 1.98. 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.
Looking at the Altman-Z score, with a value of 1.98, PRAA is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
PRAA has a Debt/Equity ratio of 4.04. This is a high value indicating a heavy dependency on external financing.
PRAA has a worse Debt to Equity ratio (4.04) than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.98 |
ROIC/WACC0.81
WACC7.27%
2.3 Liquidity
A Current Ratio of 24.03 indicates that PRAA has no problem at all paying its short term obligations.
The Current ratio of PRAA (24.03) is better than 100.00% of its industry peers.
PRAA has a Quick Ratio of 24.03. This indicates that PRAA is financially healthy and has no problem in meeting its short term obligations.
PRAA has a Quick ratio of 24.03. This is amongst the best in the industry. PRAA outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 24.03 | ||
| Quick Ratio | 24.03 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 29.09% over the past year.
PRAA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.19% yearly.
Looking at the last year, PRAA shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
Measured over the past years, PRAA shows a small growth in Revenue. The Revenue has been growing by 1.85% on average per year.
EPS 1Y (TTM)29.09%
EPS 3Y-23.76%
EPS 5Y-1.19%
EPS Q2Q%-23.19%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y0.57%
Revenue growth 5Y1.85%
Sales Q2Q%10.54%
3.2 Future
Based on estimates for the next years, PRAA will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.90% on average per year.
PRAA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
EPS Next Y-598.03%
EPS Next 2Y11.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y7.41%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
PRAA is valuated reasonably with a Price/Earnings ratio of 11.93.
PRAA's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of PRAA to the average of the S&P500 Index (26.39), we can say PRAA is valued rather cheaply.
The Price/Forward Earnings ratio is 7.56, which indicates a rather cheap valuation of PRAA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRAA indicates a somewhat cheap valuation: PRAA is cheaper than 78.18% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. PRAA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 7.56 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRAA is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.86 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.9%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PRAA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
16.94
+0.12 (+0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners98.17%
Inst Owner Change-2.66%
Ins Owners1.47%
Ins Owner Change-0.28%
Market Cap661.00M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts78
Price Target23.12 (36.48%)
Short Float %2.27%
Short Ratio2.28
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)1.72%
Min EPS beat(2)-26.47%
Max EPS beat(2)29.9%
EPS beat(4)2
Avg EPS beat(4)-18.12%
Min EPS beat(4)-80.05%
Max EPS beat(4)29.9%
EPS beat(8)6
Avg EPS beat(8)111.92%
EPS beat(12)9
Avg EPS beat(12)46.64%
EPS beat(16)13
Avg EPS beat(16)43.57%
Revenue beat(2)1
Avg Revenue beat(2)-8.37%
Min Revenue beat(2)-19.87%
Max Revenue beat(2)3.14%
Revenue beat(4)2
Avg Revenue beat(4)-5.02%
Min Revenue beat(4)-19.87%
Max Revenue beat(4)4.23%
Revenue beat(8)4
Avg Revenue beat(8)-4.32%
Revenue beat(12)6
Avg Revenue beat(12)-5.37%
Revenue beat(16)8
Avg Revenue beat(16)-3.62%
PT rev (1m)-11.69%
PT rev (3m)-11.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)30.56%
EPS NY rev (1m)-612.61%
EPS NY rev (3m)-612.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)2.56%
Revenue NY rev (3m)2.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 7.56 | ||
| P/S | 0.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.71 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | 11.86 |
EPS(TTM)1.42
EY8.38%
EPS(NY)2.24
Fwd EY13.23%
FCF(TTM)-0.95
FCFYN/A
OCF(TTM)-0.84
OCFYN/A
SpS29.77
BVpS23.8
TBVpS23.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.87% | ||
| ROE | -36.96% | ||
| ROCE | 7.3% | ||
| ROIC | 5.9% | ||
| ROICexc | 6.04% | ||
| ROICexgc | 6.15% | ||
| OM | 30.21% | ||
| PM (TTM) | N/A | ||
| GM | 79.54% | ||
| FCFM | N/A |
ROA(3y)0.8%
ROA(5y)1.99%
ROE(3y)2.87%
ROE(5y)6.79%
ROIC(3y)4.53%
ROIC(5y)5.51%
ROICexc(3y)4.64%
ROICexc(5y)5.63%
ROICexgc(3y)5.26%
ROICexgc(5y)6.43%
ROCE(3y)5.61%
ROCE(5y)6.81%
ROICexgc growth 3Y-8.38%
ROICexgc growth 5Y1.7%
ROICexc growth 3Y-7.26%
ROICexc growth 5Y2.27%
OM growth 3Y-3.79%
OM growth 5Y2.67%
PM growth 3Y-27.64%
PM growth 5Y-5.66%
GM growth 3Y-0.62%
GM growth 5Y-0.7%
F-Score4
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.04 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 10.33 | ||
| Cap/Depr | 39.02% | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 1.34 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 24.03 | ||
| Quick Ratio | 24.03 | ||
| Altman-Z | 1.98 |
F-Score4
WACC7.27%
ROIC/WACC0.81
Cap/Depr(3y)46.83%
Cap/Depr(5y)61.33%
Cap/Sales(3y)0.7%
Cap/Sales(5y)0.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.09%
EPS 3Y-23.76%
EPS 5Y-1.19%
EPS Q2Q%-23.19%
EPS Next Y-598.03%
EPS Next 2Y11.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y0.57%
Revenue growth 5Y1.85%
Sales Q2Q%10.54%
Revenue Next Year7.42%
Revenue Next 2Y7.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.44%
EBIT growth 3Y-3.24%
EBIT growth 5Y4.57%
EBIT Next Year11.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y62.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y64.96%
OCF growth 3YN/A
OCF growth 5YN/A
PRA GROUP INC / PRAA FAQ
What is the fundamental rating for PRAA stock?
ChartMill assigns a fundamental rating of 4 / 10 to PRAA.
Can you provide the valuation status for PRA GROUP INC?
ChartMill assigns a valuation rating of 4 / 10 to PRA GROUP INC (PRAA). This can be considered as Fairly Valued.
How profitable is PRA GROUP INC (PRAA) stock?
PRA GROUP INC (PRAA) has a profitability rating of 4 / 10.
What is the financial health of PRA GROUP INC (PRAA) stock?
The financial health rating of PRA GROUP INC (PRAA) is 5 / 10.