18.01 USD
-0.06 (-0.33%)
18.01 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to PRAA. PRAA was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of PRAA get a neutral evaluation. Nothing too spectacular is happening here. PRAA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year PRAA was profitable.
PRAA had a negative operating cash flow in the past year.
PRAA had positive earnings in 4 of the past 5 years.
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
The Return On Assets of PRAA (-6.87%) is worse than 90.91% of its industry peers.
PRAA has a worse Return On Equity (-36.96%) than 90.91% of its industry peers.
PRAA has a Return On Invested Capital of 5.90%. This is in the better half of the industry: PRAA outperforms 63.64% of its industry peers.
PRAA had an Average Return On Invested Capital over the past 3 years of 4.53%. This is significantly below the industry average of 12.59%.
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
PRAA's Profit Margin has declined in the last couple of years.
PRAA's Operating Margin of 30.21% is amongst the best of the industry. PRAA outperforms 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.
In the last couple of years the Gross Margin of PRAA has remained more or less at the same level.
| 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.
Compared to 1 year ago, PRAA has more shares outstanding
Compared to 5 years ago, PRAA has less shares outstanding
PRAA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.98 indicates that PRAA is not a great score, but indicates only limited risk for bankruptcy at the moment.
PRAA's Altman-Z score of 1.98 is fine compared to the rest of the industry. PRAA outperforms 72.73% 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.
PRAA has a Debt to Equity ratio of 4.04. This is in the lower half of the industry: PRAA underperforms 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.98 |
ROIC/WACC0.8
WACC7.36%
2.3 Liquidity
A Current Ratio of 24.03 indicates that PRAA has no problem at all paying 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.
A Quick Ratio of 24.03 indicates that PRAA has no problem at all paying its short term obligations.
PRAA has a Quick ratio of 24.03. This is amongst the best in 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.
The Earnings Per Share has been decreasing by -1.19% on average over the past years.
Looking at the last year, PRAA shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
The Revenue has been growing slightly by 1.85% on average over the past years.
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
Based on estimates for the next years, PRAA will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.90% on average per year.
The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y-598.03%
EPS Next 2Y11.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y7.41%
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
With a Price/Earnings ratio of 12.68, PRAA is valued correctly.
PRAA's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.76. PRAA is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.03, the valuation of PRAA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRAA indicates a somewhat cheap valuation: PRAA is cheaper than 70.91% of the companies listed in the same industry.
PRAA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 8.03 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRAA is valued a bit cheaper than 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.98 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.9%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PRAA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
18.01
-0.06 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners98.17%
Inst Owner Change-2.66%
Ins Owners1.47%
Ins Owner Change7.09%
Market Cap702.75M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts78
Price Target23.12 (28.37%)
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)18.24%
EPS NQ rev (3m)30.56%
EPS NY rev (1m)-612.61%
EPS NY rev (3m)-612.61%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)2.56%
Revenue NY rev (3m)2.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 8.03 | ||
| P/S | 0.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.76 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | 11.98 |
EPS(TTM)1.42
EY7.88%
EPS(NY)2.24
Fwd EY12.45%
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
WACC7.36%
ROIC/WACC0.8
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-598.03%
EPS Next 2Y11.9%
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 Year7.42%
Revenue Next 2Y7.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.44%
EBIT growth 3Y-3.24%
EBIT growth 5Y4.57%
EBIT Next Year11.97%
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.