PRA GROUP INC (PRAA) Stock Fundamental Analysis

NASDAQ:PRAA • US69354N1063

16.75 USD
+1 (+6.35%)
At close: Mar 2, 2026
16.85 USD
+0.1 (+0.6%)
After Hours: 3/2/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PRAA. 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 on the other hand it scores bad on growth.


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.
  • 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 0 100M -100M 200M 300M

1.2 Ratios

  • PRAA has a worse Return On Assets (-6.87%) than 88.89% of its industry peers.
  • With a Return On Equity value of -36.96%, PRAA is not doing good in the industry: 88.89% of the companies in the same industry are doing better.
  • The Return On Invested Capital of PRAA (5.90%) is better than 62.96% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRAA is significantly below the industry average of 12.27%.
  • 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 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.
  • With an excellent Operating Margin value of 30.21%, PRAA belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PRAA has grown nicely.
  • The Gross Margin of PRAA (79.54%) is better than 70.37% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • There is no outstanding debt for PRAA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 1.97 indicates that PRAA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PRAA's Altman-Z score of 1.97 is fine compared to the rest of the industry. PRAA outperforms 74.07% of its industry peers.
  • A Debt/Equity ratio of 4.04 is on the high side and indicates that PRAA has dependencies on debt financing.
  • PRAA has a Debt to Equity ratio of 4.04. This is comparable to the rest of the industry: PRAA outperforms 42.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.04
Debt/FCF N/A
Altman-Z 1.97
ROIC/WACC0.82
WACC7.22%
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.
  • 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.
  • 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.
  • The Quick ratio of PRAA (24.03) is better than 100.00% of its industry peers.
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

More info and screens

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

1

3. Growth

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.
  • The Earnings Per Share has been decreasing by -5.81% 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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.69%

3.2 Future

  • The Earnings Per Share is expected to decrease by -47.29% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -0.68% on average over the next years.
EPS Next Y-42.86%
EPS Next 2Y-47.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.75%
Revenue Next 2Y-0.68%
Revenue Next 3YN/A
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.
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

  • Based on the Price/Earnings ratio of 6.95, the valuation of PRAA can be described as very cheap.
  • 64.81% of the companies in the same industry are more expensive than PRAA, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, PRAA is valued rather cheaply.
  • The Price/Forward Earnings ratio is 12.16, which indicates a correct valuation of PRAA.
  • PRAA's Price/Forward Earnings is on the same level as the industry average.
  • PRAA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.11.
Industry RankSector Rank
PE 6.95
Fwd PE 12.16
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

  • PRAA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRAA is cheaper than 62.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.73
PRAA Per share dataPRAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • PRAA's earnings are expected to decrease with -47.29% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-47.29%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

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

PRA GROUP INC

NASDAQ:PRAA (3/2/2026, 8:00:00 PM)

After market: 16.85 +0.1 (+0.6%)

16.75

+1 (+6.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners98.54%
Inst Owner Change-4.34%
Ins Owners1.47%
Ins Owner Change-0.06%
Market Cap653.59M
Revenue(TTM)N/A
Net Income(TTM)-343.21M
Analysts76
Price Target26.52 (58.33%)
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)14.71%
EPS NQ rev (1m)-44.68%
EPS NQ rev (3m)-44.68%
EPS NY rev (1m)-3.78%
EPS NY rev (3m)-631.96%
Revenue NQ rev (1m)-4.26%
Revenue NQ rev (3m)-4.26%
Revenue NY rev (1m)-1.83%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 6.95
Fwd PE 12.16
P/S 0.56
P/FCF N/A
P/OCF N/A
P/B 0.7
P/tB 0.72
EV/EBITDA 11.73
EPS(TTM)2.41
EY14.39%
EPS(NY)1.38
Fwd EY8.22%
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 Number35.92
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 1.97
F-Score4
WACC7.22%
ROIC/WACC0.82
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)34.64%
EPS 3Y-6.2%
EPS 5Y-5.81%
EPS Q2Q%210.64%
EPS Next Y-42.86%
EPS Next 2Y-47.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.69%
Revenue Next Year4.75%
Revenue Next 2Y-0.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.44%
EBIT growth 3Y-3.24%
EBIT growth 5Y4.57%
EBIT Next Year8.92%
EBIT Next 3Y-3.95%
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 3 / 10 to PRAA.


What is the valuation status for PRAA stock?

ChartMill assigns a valuation rating of 4 / 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.