PRA Group/$PRAA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About PRA Group
PRA Group Inc is a specialty finance company engaged in the purchase, collection, and management of nonperforming loan portfolios. The majority of the loans it purchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (Core accounts). To a lesser extent, the company also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding (Insolvency accounts). As part of an ancillary business, it also purchases and provides fee-based services for class action claims recoveries in the U.S. The company has two operating and reportable segments, comprised of its U.S. and European businesses. The majority of its revenue is generated from the United States.
- Ticker
- $PRAA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,417
- Headquarters
- Norfolk, United States
- Website
- www.pragroup.com
PRA Group Metrics
BasicAdvanced
$734M
-
-$6.87
1.10
-
Price and volume
Market cap
$734M
Beta
1.1
52-week high
$22.55
52-week low
$10.25
Average daily volume
429K
Financial strength
Current ratio
18.615
Quick ratio
17.497
Long term debt to equity
3.401
Total debt to equity
3.406
Interest coverage (TTM)
1.79%
Profitability
EBITDA (TTM)
487.6
Gross margin (TTM)
100.00%
Net profit margin (TTM)
-19.91%
Operating margin (TTM)
36.10%
Effective tax rate (TTM)
-34.50%
Revenue per employee (TTM)
$550,000
Management effectiveness
Return on assets (TTM)
5.63%
Return on equity (TTM)
-20.25%
Valuation
Price to revenue (TTM)
0.565
Price to book
0.7
Price to tangible book (TTM)
0.72
Price to free cash flow (TTM)
-19.863
Free cash flow yield (TTM)
-5.03%
Free cash flow per share (TTM)
-0.981
Growth
Revenue change (TTM)
17.60%
Earnings per share change (TTM)
-396.26%
3-year revenue growth (CAGR)
16.94%
10-year revenue growth (CAGR)
3.84%
3-year earnings per share growth (CAGR)
131.10%
10-year earnings per share growth (CAGR)
9.84%
What the Analysts think about PRA Group
Analyst ratings (Buy, Hold, Sell) for PRA Group stock.
Analyst projections of the future price of PRA Group stock.
Bulls say / Bears say
Collections rose 4% in Q2 and 7.4% in the first half, while portfolio income grew 9.2% year to date. PRA also reported a 61% cash efficiency ratio, suggesting operating improvements are converting collections into stronger cash generation. (SEC)
European portfolios have outperformed collection forecasts for more than six years, prompting a $349 million increase in estimated remaining collections. Management expects this to add about $25 million of annual portfolio income in the near term, a more predictable revenue source. (The Motley Fool)
PRA has a record $8.9 billion of estimated remaining collections and says loan supply is healthy in both the US and Europe. A new share repurchase authorisation of up to $150 million gives it another route to return capital while it invests selectively. (The Motley Fool, SEC)
Q2 portfolio revenue rose 28%, but cash collections grew only 4%; the revenue jump relied heavily on revised future recovery estimates, including the European portfolio reassessment. If those higher forecasts do not turn into cash, earnings could prove less durable. (SEC, TradingKey)
Legal collection costs rose by $15 million in Q2 to $52.5 million as PRA expanded that channel. Higher spending may weigh on margins if the resulting collections do not keep pace. (SEC)
Borrowings stood at about $3.76 billion at the end of June, and PRA subsequently issued $400 million of notes carrying an 8.5% coupon to repay revolving debt. That refinancing may extend maturities, but the high coupon leaves the business exposed to a substantial financing burden. (SEC, MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 2026.
PRA Group Financial Performance
Revenues and expenses
PRA Group Earnings Performance
Company profitability
Upcoming events
No upcoming events
PRA Group News
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Funds containing PRA Group
Fund name | Fund size | $PRAA weighting |
|---|---|---|
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.04% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.04% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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