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
$754M
-
-$6.87
1.10
-
Price and volume
Market cap
$754M
Beta
1.1
52-week high
$22.55
52-week low
$10.25
Average daily volume
439K
Financial strength
Current ratio
17.771
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)
487.778
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)
0.581
Price to book
0.72
Price to tangible book (TTM)
0.74
Price to free cash flow (TTM)
-20.424
Free cash flow yield (TTM)
-4.90%
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
The collection engine is improving. Q2 cash collections rose 4% year on year to $559 million across both the US and Europe, while estimated remaining collections reached a record $8.9 billion and portfolio income grew 7%. (Morningstar)
PRA 3.0 is beginning to show operating leverage. Last-twelve-month adjusted EBITDA rose 10% to $1.4 billion, cash efficiency was 61%, and net leverage fell to 2.67 times as management simplified the organisation and invested in technology. (Morningstar, The Motley Fool)
A healthy supply of non-performing loans gives PRA Group room to keep investing at its return thresholds. It bought $297 million of portfolios in Q2, had $219 million of forward-flow commitments, and authorised a new $150 million share buyback while retaining about $1 billion of credit availability. (Morningstar, PRA Group)
The strong Q2 headline was partly an accounting and forecasting event. Revenue rose about 29% while cash collections grew only 4%, after a European portfolio review lifted estimated remaining collections by roughly $349 million; weaker future performance could reverse some of that benefit. (Morningstar, Kalkine)
The US recovery is becoming more dependent on costly legal collections. Legal collection costs rose $15 million year on year and total operating expenses increased $16 million, so stronger legal cash receipts may not translate into equally strong margin growth. (Morningstar, Simply Wall St)
Leverage remains a material constraint for this capital-intensive business. Borrowings were about $3.76 billion, net interest expense rose to $64 million, and Fitch said elevated leverage, legal costs and macroeconomic headwinds still challenge the company’s execution and credit profile. (Fitch Ratings, Morningstar)
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 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
AllEURGBPUSD
Fund name | Fund size | $PRAA weighting |
|---|---|---|
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.04% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
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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