PRA GROUP INC (PRAA) Fundamental Analysis & Valuation

NASDAQ:PRAA • US69354N1063

Current stock price

20.38 USD
-0.1 (-0.49%)
At close:
20.38 USD
0 (0%)
After Hours:

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.
  • In the past year PRAA has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PRAA reported negative net income in multiple 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's Return On Equity of -31.14% is on the low side compared to the rest of the industry. PRAA is outperformed by 90.74% of its industry peers.
  • PRAA has a better Return On Invested Capital (6.29%) than 62.96% of its industry peers.
  • PRAA had an Average Return On Invested Capital over the past 3 years of 4.69%. This is below the industry average of 9.60%.
  • The last Return On Invested Capital (6.29%) for PRAA is above the 3 year average (4.69%), which is a sign of increasing profitability.
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

  • PRAA's Operating Margin of 31.81% is amongst the best of the industry. PRAA outperforms 81.48% of its industry peers.
  • PRAA's Operating Margin has been stable in the last couple of years.
  • PRAA's Gross Margin of 79.94% is fine compared to the rest 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

  • PRAA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for PRAA has been reduced compared to 1 year ago.
  • PRAA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PRAA is higher compared to a year ago.
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

  • An Altman-Z score of 2.03 indicates that PRAA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PRAA's Altman-Z score of 2.03 is fine compared to the rest of the industry. PRAA outperforms 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.
  • With a Debt to Equity ratio value of 3.88, PRAA is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.88
Debt/FCF N/A
Altman-Z 2.03
ROIC/WACC0.84
WACC7.53%
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.
  • PRAA has a better Current ratio (24.82) than 100.00% of its industry peers.
  • A Quick Ratio of 24.82 indicates that PRAA has no problem at all paying its short term obligations.
  • PRAA has a better Quick ratio (24.82) than 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.
  • Looking at the last year, PRAA shows a small growth in Revenue. The Revenue has grown by 7.83% in the last year.
  • The Revenue has been growing slightly by 2.44% on average over the past years.
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

  • PRAA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.02% yearly.
  • 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

5

4. PRAA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.46, the valuation of PRAA can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as PRAA.
  • PRAA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
  • PRAA is valuated cheaply with a Price/Forward Earnings ratio of 7.98.
  • 64.81% 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 37.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.46
Fwd PE 7.98
PRAA Price Earnings VS Forward Price EarningsPRAA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRAA is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.41
PRAA Per share dataPRAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • PRAA's earnings are expected to grow with 12.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.4
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 (4/16/2026, 8:00:01 PM)

After market: 20.38 0 (0%)

20.38

-0.1 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners99.28%
Inst Owner Change0.12%
Ins Owners1.94%
Ins Owner Change6.79%
Market Cap783.61M
Revenue(TTM)1.20B
Net Income(TTM)-305.14M
Analysts77.78
Price Target26.52 (30.13%)
Short Float %3.12%
Short Ratio2.06
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 8.46
Fwd PE 7.98
P/S 0.65
P/FCF N/A
P/OCF N/A
P/B 0.8
P/tB 0.82
EV/EBITDA 11.41
EPS(TTM)2.41
EY11.83%
EPS(NY)2.56
Fwd EY12.54%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.22
OCFYN/A
SpS31.26
BVpS25.48
TBVpS24.78
PEG (NY)1.4
PEG (5Y)N/A
Graham Number37.1733 (82.4%)
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 2.03
F-Score4
WACC7.53%
ROIC/WACC0.84
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 5 / 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.