16.64 USD
+0.09 (+0.54%)
16.64 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to PRAA. PRAA was compared to 54 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 88.89% of its industry peers.
- With a Return On Equity value of -36.96%, PRAA is not doing good in the industry: 88.89% of the companies in the same industry are doing better.
- With a decent Return On Invested Capital value of 5.90%, PRAA is doing good in the industry, outperforming 61.11% of the companies in the same industry.
- PRAA had an Average Return On Invested Capital over the past 3 years of 4.53%. This is significantly below the industry average of 12.42%.
- The 3 year average ROIC (4.53%) for PRAA is below the current ROIC(5.90%), indicating increased profibility in the last year.
| 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's Operating Margin of 30.21% is amongst the best of the industry. PRAA outperforms 83.33% of its industry peers.
- PRAA's Operating Margin has improved in the last couple of years.
- The Gross Margin of PRAA (79.54%) is better than 74.07% of its industry peers.
- PRAA's Gross Margin has been stable in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRAA is destroying value.
- Compared to 1 year ago, PRAA has more shares outstanding
- PRAA has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for PRAA is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 1.98 indicates that PRAA is not a great score, but indicates 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 74.07% of the companies in the same industry.
- A Debt/Equity ratio of 4.04 is on the high side and indicates that PRAA has dependencies on debt financing.
- PRAA has a Debt to Equity ratio of 4.04. This is comparable to the rest of the industry: PRAA outperforms 40.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.98 |
ROIC/WACC0.81
WACC7.26%
2.3 Liquidity
- PRAA has a Current Ratio of 24.03. This indicates that PRAA is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Current ratio, with a value of 24.03, PRAA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- PRAA has a Quick Ratio of 24.03. This indicates that PRAA is financially healthy and has no problem in meeting its short term obligations.
- The Quick ratio of PRAA (24.03) is better than 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.
- The Earnings Per Share has been decreasing by -1.19% on average over the past years.
- PRAA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
- 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
- PRAA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.90% yearly.
- Based on estimates for the next years, PRAA will show a small growth in Revenue. The Revenue will grow by 7.41% on average per year.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.72, which indicates a very decent valuation of PRAA.
- PRAA's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.38. PRAA is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 7.42 indicates a rather cheap valuation of PRAA.
- Based on the Price/Forward Earnings ratio, PRAA is valued a bit cheaper than the industry average as 75.93% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. PRAA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 7.42 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRAA indicates a somewhat cheap valuation: PRAA is cheaper than 64.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.83 |
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% |
16.64
+0.09 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-17 2026-02-17/amc
Inst Owners98.54%
Inst Owner Change-0.05%
Ins Owners1.47%
Ins Owner Change-0.28%
Market Cap649.29M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts78
Price Target23.12 (38.94%)
Short Float %2.34%
Short Ratio2.15
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)0%
PT rev (3m)-11.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)30.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-612.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 7.42 | ||
| P/S | 0.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.7 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | 11.83 |
EPS(TTM)1.42
EY8.53%
EPS(NY)2.24
Fwd EY13.47%
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
WACC7.26%
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.
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.
What is the profitability of PRAA stock?
PRA GROUP INC (PRAA) has a profitability rating of 4 / 10.
Can you provide the financial health for PRAA stock?
The financial health rating of PRA GROUP INC (PRAA) is 5 / 10.