16.57 USD
+0.28 (+1.72%)
16.75 USD
+0.18 (+1.09%)
PRAA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. PRAA has only an average score on both its financial health and profitability. PRAA has a decent growth rate and is not valued too expensively.
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.
In multiple years PRAA reported negative operating cash flow during the last 5 years.
1.2 Ratios
PRAA has a worse Return On Assets (-6.87%) than 90.91% of its industry peers.
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.
The Return On Invested Capital of PRAA (5.90%) is better than 65.45% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PRAA is significantly below the industry average of 11.33%.
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.
Looking at the Operating Margin, with a value of 30.21%, PRAA belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
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
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.
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 1.98. 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.
PRAA has a better Altman-Z score (1.98) than 72.73% of its industry peers.
A Debt/Equity ratio of 4.04 is on the high side and indicates that PRAA has dependencies on debt 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/WACC0.82
WACC7.23%
2.3 Liquidity
A Current Ratio of 24.03 indicates that PRAA has no problem at all paying its short term obligations.
PRAA has a better Current ratio (24.03) 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.
With an excellent Quick ratio value of 24.03, PRAA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 24.03 | ||
| Quick Ratio | 24.03 |
3. Growth
3.1 Past
PRAA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.09%, which is quite impressive.
Measured over the past years, PRAA shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.19% on average per year.
The Revenue has grown by 11.41% in the past year. This is quite good.
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 9.98% yearly.
PRAA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.49% yearly.
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
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
A Price/Earnings ratio of 11.67 indicates a reasonable valuation of PRAA.
PRAA's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of PRAA to the average of the S&P500 Index (26.15), we can say PRAA is valued rather cheaply.
The Price/Forward Earnings ratio is 7.65, which indicates a rather cheap valuation of PRAA.
Based on the Price/Forward Earnings ratio, PRAA is valued a bit cheaper than 72.73% of the companies in the same industry.
PRAA is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.22, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.67 | ||
| Fwd PE | 7.65 |
4.2 Price Multiples
PRAA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRAA is cheaper than 67.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.82 |
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 |
16.57
+0.28 (+1.72%)
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 Cap646.56M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts78
Price Target23.12 (39.53%)
Short Float %2.41%
Short Ratio2.47
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)30.56%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)1.88%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.67 | ||
| Fwd PE | 7.65 | ||
| P/S | 0.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.7 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | 11.82 |
EPS(TTM)1.42
EY8.57%
EPS(NY)2.16
Fwd EY13.07%
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
WACC7.23%
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.