PRA GROUP INC (PRAA) Stock Fundamental Analysis
NASDAQ:PRAA - US69354N1063 - Common Stock
16.9 USD
-0.19 (-1.11%)
16.9 USD
0 (0%)
Taking everything into account, PRAA scores 5 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PRAA was profitable.
In the past year PRAA has reported a negative cash flow from operations.
Of the past 5 years PRAA 4 years were profitable.
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
PRAA has a Return On Assets (1.69%) which is in line with its industry peers.
The Return On Equity of PRAA (6.85%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 5.30%, PRAA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PRAA is significantly below the industry average of 11.02%.
The last Return On Invested Capital (5.30%) for PRAA is above the 3 year average (4.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 6.85% | ||
| ROIC | 5.3% |
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 has a Profit Margin (8.10%) which is in line with its industry peers.
PRAA's Profit Margin has declined in the last couple of years.
PRAA's Operating Margin of 30.37% is amongst the best of the industry. PRAA outperforms 87.04% of its industry peers.
PRAA's Operating Margin has improved in the last couple of years.
PRAA has a Gross Margin of 79.64%. This is in the better half of the industry: PRAA outperforms 72.22% of its industry peers.
PRAA's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.37% | ||
| PM (TTM) | 8.1% | ||
| GM | 79.64% |
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
PRAA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PRAA has more shares outstanding than it did 1 year ago.
PRAA has less shares outstanding than it did 5 years ago.
PRAA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.93 indicates that PRAA is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.93, PRAA is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
A Debt/Equity ratio of 2.83 is on the high side and indicates that PRAA has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.83, PRAA is in line with its industry, outperforming 46.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.83 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.93 |
ROIC/WACC0.73
WACC7.28%
2.3 Liquidity
PRAA has a Current Ratio of 24.69. This indicates that PRAA is financially healthy and has no problem in meeting its short term obligations.
PRAA has a Current ratio of 24.69. This is amongst the best in the industry. PRAA outperforms 100.00% of its industry peers.
A Quick Ratio of 24.69 indicates that PRAA has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 24.69, PRAA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 24.69 | ||
| Quick Ratio | 24.69 |
3. Growth
3.1 Past
PRAA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1512.24%, which is quite impressive.
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 15.79%.
Measured over the past years, PRAA shows a small growth in Revenue. The Revenue has been growing by 1.85% on average per year.
EPS 1Y (TTM)1512.24%
EPS 3Y-23.76%
EPS 5Y-1.19%
EPS Q2Q%-38.89%
Revenue 1Y (TTM)15.79%
Revenue growth 3Y0.57%
Revenue growth 5Y1.85%
Sales Q2Q%-1.31%
3.2 Future
The Earnings Per Share is expected to grow by 9.98% on average over the next years. This is quite good.
PRAA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.49% yearly.
EPS Next Y-2.84%
EPS Next 2Y9.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.74%
Revenue Next 2Y6.49%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.70, which indicates a very decent 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 26.90, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.81, which indicates a rather cheap valuation of PRAA.
Based on the Price/Forward Earnings ratio, PRAA is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
PRAA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than PRAA, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.13 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PRAA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.9
-0.19 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners97.42%
Inst Owner Change-0.19%
Ins Owners1.47%
Ins Owner Change20.06%
Market Cap660.28M
Analysts78
Price Target26.18 (54.91%)
Short Float %2.57%
Short Ratio2.82
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)0
Avg EPS beat(2)-53.26%
Min EPS beat(2)-80.05%
Max EPS beat(2)-26.47%
EPS beat(4)2
Avg EPS beat(4)2.25%
Min EPS beat(4)-80.05%
Max EPS beat(4)111.4%
EPS beat(8)6
Avg EPS beat(8)110.46%
EPS beat(12)9
Avg EPS beat(12)46.95%
EPS beat(16)13
Avg EPS beat(16)41.88%
Revenue beat(2)0
Avg Revenue beat(2)-13.72%
Min Revenue beat(2)-19.87%
Max Revenue beat(2)-7.57%
Revenue beat(4)2
Avg Revenue beat(4)-4.49%
Min Revenue beat(4)-19.87%
Max Revenue beat(4)5.25%
Revenue beat(8)4
Avg Revenue beat(8)-4.29%
Revenue beat(12)6
Avg Revenue beat(12)-5.17%
Revenue beat(16)8
Avg Revenue beat(16)-3.71%
PT rev (1m)1.32%
PT rev (3m)-3.75%
EPS NQ rev (1m)-12.09%
EPS NQ rev (3m)-34.08%
EPS NY rev (1m)19.23%
EPS NY rev (3m)19.23%
Revenue NQ rev (1m)3.28%
Revenue NQ rev (3m)-0.64%
Revenue NY rev (1m)2.36%
Revenue NY rev (3m)2.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 7.81 | ||
| P/S | 0.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.49 | ||
| P/tB | 0.74 | ||
| EV/EBITDA | 12.13 |
EPS(TTM)1.58
EY9.35%
EPS(NY)2.16
Fwd EY12.81%
FCF(TTM)-1.59
FCFYN/A
OCF(TTM)-1.47
OCFYN/A
SpS28.97
BVpS34.22
TBVpS22.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 6.85% | ||
| ROCE | 6.56% | ||
| ROIC | 5.3% | ||
| ROICexc | 5.43% | ||
| ROICexgc | 6.03% | ||
| OM | 30.37% | ||
| PM (TTM) | 8.1% | ||
| GM | 79.64% | ||
| 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%
ROICexcg growth 3Y-8.38%
ROICexcg 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 Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.83 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 10.64 | ||
| Cap/Depr | 37.51% | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 1.43 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 24.69 | ||
| Quick Ratio | 24.69 | ||
| Altman-Z | 1.93 |
F-Score4
WACC7.28%
ROIC/WACC0.73
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)1512.24%
EPS 3Y-23.76%
EPS 5Y-1.19%
EPS Q2Q%-38.89%
EPS Next Y-2.84%
EPS Next 2Y9.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.79%
Revenue growth 3Y0.57%
Revenue growth 5Y1.85%
Sales Q2Q%-1.31%
Revenue Next Year4.74%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y37.88%
EBIT growth 3Y-3.24%
EBIT growth 5Y4.57%
EBIT Next Year8.6%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-162.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-231.01%
OCF growth 3YN/A
OCF growth 5YN/A