PRA GROUP INC (PRAA) Stock Fundamental Analysis

NASDAQ:PRAA • US69354N1063

11.67 USD
+0.85 (+7.86%)
Last: Feb 25, 2026, 03:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PRAA scores 4 out of 10 in our fundamental rating. PRAA was compared to 54 industry peers in the Consumer Finance industry. PRAA has only an average score on both its financial health and profitability. PRAA has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

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.
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 0 100M -100M 200M 300M

1.2 Ratios

  • With a Return On Assets value of -6.87%, PRAA is not doing good in the industry: 88.89% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of -36.96%, PRAA is doing worse than 88.89% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 5.90%, PRAA is doing good in the industry, outperforming 61.11% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PRAA is significantly below the industry average of 12.20%.
  • The 3 year average ROIC (4.53%) for PRAA is below the current ROIC(5.90%), indicating increased profibility in the last year.
Industry RankSector 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%
PRAA Yearly ROA, ROE, ROICPRAA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • In the last couple of years the Profit Margin of PRAA has declined.
  • PRAA's Operating Margin of 30.21% is amongst the best of the industry. PRAA outperforms 83.33% of its industry peers.
  • In the last couple of years the Operating Margin of PRAA has grown nicely.
  • The Gross Margin of PRAA (79.54%) is better than 72.22% of its industry peers.
  • PRAA's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
PRAA Yearly Profit, Operating, Gross MarginsPRAA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • PRAA has a worse debt/assets ratio than last year.
PRAA Yearly Shares OutstandingPRAA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

2.2 Solvency

  • An Altman-Z score of 1.94 indicates that PRAA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PRAA has a Altman-Z score of 1.94. This is in the better half of the industry: PRAA outperforms 74.07% 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.
  • Looking at the Debt to Equity ratio, with a value of 4.04, PRAA is in line with its industry, outperforming 42.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.04
Debt/FCF N/A
Altman-Z 1.94
ROIC/WACC0.88
WACC6.71%
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 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 24.03 indicates that PRAA has no problem at all paying its short term obligations.
  • PRAA's Current ratio of 24.03 is amongst the best of the industry. PRAA outperforms 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.
  • Looking at the Quick 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.
Industry RankSector Rank
Current Ratio 24.03
Quick Ratio 24.03
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 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 29.09% over the past year.
  • PRAA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.19% yearly.
  • PRAA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
  • PRAA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.85% yearly.
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 a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -30.61% yearly.
  • The Revenue is expected to grow by 1.32% on average over the next years.
EPS Next Y-616.84%
EPS Next 2Y-12.29%
EPS Next 3Y-30.61%
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y5.1%
Revenue Next 3Y1.32%
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.22 indicates a reasonable valuation of PRAA.
  • The rest of the industry has a similar Price/Earnings ratio as PRAA.
  • PRAA is valuated cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.47, the valuation of PRAA can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PRAA is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of PRAA to the average of the S&P500 Index (28.01), we can say PRAA is valued rather cheaply.
Industry RankSector Rank
PE 8.22
Fwd PE 8.47
PRAA Price Earnings VS Forward Price EarningsPRAA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRAA is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.2
PRAA Per share dataPRAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • A cheap valuation may be justified as PRAA's earnings are expected to decrease with -30.61% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.29%
EPS Next 3Y-30.61%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • PRAA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PRA GROUP INC

NASDAQ:PRAA (2/25/2026, 3:46:57 PM)

11.67

+0.85 (+7.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-03
Earnings (Next)03-02
Inst Owners98.54%
Inst Owner Change-4.34%
Ins Owners1.47%
Ins Owner Change-0.06%
Market Cap455.36M
Revenue(TTM)1.16B
Net Income(TTM)-343.21M
Analysts76
Price Target26.52 (127.25%)
Short Float %2.05%
Short Ratio1.85
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)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)14.71%
PT rev (3m)1.3%
EPS NQ rev (1m)-44.68%
EPS NQ rev (3m)-34.59%
EPS NY rev (1m)-3.78%
EPS NY rev (3m)-631.96%
Revenue NQ rev (1m)-4.26%
Revenue NQ rev (3m)-4.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
Industry RankSector Rank
PE 8.22
Fwd PE 8.47
P/S 0.39
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 0.51
EV/EBITDA 11.2
EPS(TTM)1.42
EY12.17%
EPS(NY)1.38
Fwd EY11.8%
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 RankSector 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 RankSector 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 1.94
F-Score4
WACC6.71%
ROIC/WACC0.88
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-616.84%
EPS Next 2Y-12.29%
EPS Next 3Y-30.61%
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 2Y5.1%
Revenue Next 3Y1.32%
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.


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.


What is the profitability of PRAA stock?

PRA GROUP INC (PRAA) has a profitability rating of 4 / 10.


Can you provide the financial health for PRAA stock?

The financial health rating of PRA GROUP INC (PRAA) is 5 / 10.