15.97 USD
+0.78 (+5.13%)
15.97 USD
0 (0%)
Overall PRAA gets a fundamental rating of 4 out of 10. We evaluated PRAA against 55 industry peers in the Consumer Finance industry. PRAA has an average financial health and profitability rating. PRAA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
PRAA had positive earnings in the past year.
In the past year PRAA has reported a negative cash flow from operations.
Of the past 5 years PRAA 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: PRAA reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of -6.87%, PRAA is doing worse than 90.91% of the companies in the same industry.
With a Return On Equity value of -36.96%, PRAA is not doing good in the industry: 90.91% of the companies in the same industry are doing better.
PRAA has a Return On Invested Capital of 5.90%. This is in the better half of the industry: PRAA outperforms 65.45% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PRAA is significantly below the industry average of 11.33%.
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
PRAA's Profit Margin has declined in the last couple of years.
The Operating Margin of PRAA (30.21%) is better than 85.45% of its industry peers.
In the last couple of years the Operating Margin of PRAA has grown nicely.
PRAA has a better Gross Margin (79.54%) than 72.73% 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
PRAA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PRAA has more shares outstanding
PRAA has less shares outstanding than it did 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 1.97. 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 Altman-Z score of 1.97. This is in the better half of the industry: PRAA outperforms 70.91% of its industry peers.
PRAA has a Debt/Equity ratio of 4.04. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.04, PRAA is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.97 |
ROIC/WACC0.82
WACC7.17%
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.
PRAA's Quick ratio of 24.03 is amongst the best of 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.
PRAA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.85% yearly.
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 9.98% yearly.
The Revenue is expected to grow by 6.49% on average over the next years.
EPS Next Y-2.84%
EPS Next 2Y9.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.74%
Revenue Next 2Y6.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
PRAA is valuated reasonably with a Price/Earnings ratio of 11.25.
PRAA's Price/Earnings ratio is in line with the industry average.
PRAA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
With a Price/Forward Earnings ratio of 7.38, the valuation of PRAA can be described as very cheap.
74.55% of the companies in the same industry are more expensive than PRAA, based on the Price/Forward Earnings ratio.
PRAA is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 7.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRAA is valued a bit cheaper than the industry average as 67.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.76 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PRAA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.97
+0.78 (+5.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners101.48%
Inst Owner Change-2.66%
Ins Owners1.47%
Ins Owner Change7.09%
Market Cap623.15M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts78
Price Target23.12 (44.77%)
Short Float %1.96%
Short Ratio2.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)30.56%
EPS NQ rev (3m)29.66%
EPS NY rev (1m)0%
EPS NY rev (3m)19.23%
Revenue NQ rev (1m)1.88%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 7.38 | ||
| P/S | 0.54 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.67 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | 11.76 |
EPS(TTM)1.42
EY8.89%
EPS(NY)2.16
Fwd EY13.56%
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 | 1.97 |
F-Score4
WACC7.17%
ROIC/WACC0.82
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-2.84%
EPS Next 2Y9.98%
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 Year4.74%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.44%
EBIT growth 3Y-3.24%
EBIT growth 5Y4.57%
EBIT Next Year7.62%
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.