PRA GROUP INC (PRAA) Fundamental Analysis & Valuation

NASDAQ:PRAA • US69354N1063

Current stock price

17.78 USD
+0.28 (+1.6%)
At close:
17.78 USD
0 (0%)
After Hours:

This PRAA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PRAA Profitability Analysis

1.1 Basic Checks

  • PRAA had positive earnings in the past year.
  • In the past year PRAA has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PRAA reported negative net income in multiple years.
  • In multiple years PRAA reported negative operating cash flow during the last 5 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 2025 0 200M -200M

1.2 Ratios

  • PRAA has a Return On Assets of -5.98%. This is amonst the worse of the industry: PRAA underperforms 88.89% of its industry peers.
  • PRAA's Return On Equity of -31.14% is on the low side compared to the rest of the industry. PRAA is outperformed by 88.89% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 6.29%, PRAA is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • PRAA had an Average Return On Invested Capital over the past 3 years of 4.69%. This is significantly below the industry average of 12.01%.
  • The 3 year average ROIC (4.69%) for PRAA is below the current ROIC(6.29%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -5.98%
ROE -31.14%
ROIC 6.29%
ROA(3y)-2.13%
ROA(5y)0.12%
ROE(3y)-10.69%
ROE(5y)-1.66%
ROIC(3y)4.69%
ROIC(5y)5.44%
PRAA Yearly ROA, ROE, ROICPRAA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • With a decent Operating Margin value of 31.81%, PRAA is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • PRAA's Operating Margin has been stable in the last couple of years.
  • PRAA has a better Gross Margin (79.94%) than 72.22% 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 31.81%
PM (TTM) N/A
GM 79.94%
OM growth 3Y2.47%
OM growth 5Y-0.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y-0.45%
PRAA Yearly Profit, Operating, Gross MarginsPRAA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PRAA Health Analysis

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 reduced compared to 1 year ago.
  • The number of shares outstanding for PRAA has been reduced compared to 5 years ago.
  • The debt/assets ratio for PRAA is higher compared to a year ago.
PRAA Yearly Shares OutstandingPRAA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • An Altman-Z score of 2.01 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 2.01. This is in the better half of the industry: PRAA outperforms 77.78% of its industry peers.
  • A Debt/Equity ratio of 3.88 is on the high side and indicates that PRAA has dependencies on debt financing.
  • PRAA has a Debt to Equity ratio of 3.88. This is comparable to the rest of the industry: PRAA outperforms 40.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.88
Debt/FCF N/A
Altman-Z 2.01
ROIC/WACC0.86
WACC7.35%
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 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 24.82 indicates that PRAA has no problem at all paying its short term obligations.
  • PRAA's Current ratio of 24.82 is amongst the best of the industry. PRAA outperforms 100.00% of its industry peers.
  • A Quick Ratio of 24.82 indicates that PRAA has no problem at all paying its short term obligations.
  • PRAA has a better Quick ratio (24.82) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 24.82
Quick Ratio 24.82
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 2025 1B 2B 3B 4B

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

4

3. PRAA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.64% over the past year.
  • PRAA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.81% yearly.
  • Looking at the last year, PRAA shows a small growth in Revenue. The Revenue has grown by 7.83% in the last year.
  • PRAA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.44% yearly.
EPS 1Y (TTM)34.64%
EPS 3Y-6.2%
EPS 5Y-5.81%
EPS Q2Q%210.64%
Revenue 1Y (TTM)7.83%
Revenue growth 3Y7.53%
Revenue growth 5Y2.44%
Sales Q2Q%13.69%

3.2 Future

  • The Earnings Per Share is expected to decrease by -11.67% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 3.21% on average over the next years.
EPS Next Y-41.45%
EPS Next 2Y-11.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.9%
Revenue Next 2Y3.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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

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Find the best growth stocksShow best growing peers

4

4. PRAA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.38, the valuation of PRAA can be described as very cheap.
  • Based on the Price/Earnings ratio, PRAA is valued a bit cheaper than 61.11% of the companies in the same industry.
  • PRAA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.58.
  • With a Price/Forward Earnings ratio of 12.60, PRAA is valued correctly.
  • PRAA's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, PRAA is valued a bit cheaper.
Industry RankSector Rank
PE 7.38
Fwd PE 12.6
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 68.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.13
PRAA Per share dataPRAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • A cheap valuation may be justified as PRAA's earnings are expected to decrease with -11.67% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.67%
EPS Next 3YN/A

More info and screens

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

0

5. PRAA Dividend Analysis

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

PRAA Fundamentals: All Metrics, Ratios and Statistics

PRA GROUP INC

NASDAQ:PRAA (4/1/2026, 4:30:01 PM)

After market: 17.78 0 (0%)

17.78

+0.28 (+1.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners99.28%
Inst Owner Change-4.38%
Ins Owners1.5%
Ins Owner Change6.79%
Market Cap683.64M
Revenue(TTM)1.20B
Net Income(TTM)-305.14M
Analysts77.78
Price Target26.52 (49.16%)
Short Float %3.28%
Short Ratio2.08
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)2
Avg EPS beat(2)240.22%
Min EPS beat(2)29.9%
Max EPS beat(2)450.53%
EPS beat(4)2
Avg EPS beat(4)93.48%
Min EPS beat(4)-80.05%
Max EPS beat(4)450.53%
EPS beat(8)6
Avg EPS beat(8)163.02%
EPS beat(12)9
Avg EPS beat(12)82.17%
EPS beat(16)13
Avg EPS beat(16)70.67%
Revenue beat(2)2
Avg Revenue beat(2)8.14%
Min Revenue beat(2)3.14%
Max Revenue beat(2)13.15%
Revenue beat(4)2
Avg Revenue beat(4)-2.79%
Min Revenue beat(4)-19.87%
Max Revenue beat(4)13.15%
Revenue beat(8)4
Avg Revenue beat(8)-3.2%
Revenue beat(12)7
Avg Revenue beat(12)-4.25%
Revenue beat(16)9
Avg Revenue beat(16)-2.78%
PT rev (1m)0%
PT rev (3m)14.71%
EPS NQ rev (1m)146%
EPS NQ rev (3m)26.15%
EPS NY rev (1m)2.47%
EPS NY rev (3m)-37.05%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)-5.33%
Revenue NY rev (1m)-0.81%
Revenue NY rev (3m)-5.03%
Valuation
Industry RankSector Rank
PE 7.38
Fwd PE 12.6
P/S 0.57
P/FCF N/A
P/OCF N/A
P/B 0.7
P/tB 0.72
EV/EBITDA 11.13
EPS(TTM)2.41
EY13.55%
EPS(NY)1.41
Fwd EY7.94%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.22
OCFYN/A
SpS31.26
BVpS25.48
TBVpS24.78
PEG (NY)N/A
PEG (5Y)N/A
Graham Number37.17
Profitability
Industry RankSector Rank
ROA -5.98%
ROE -31.14%
ROCE 7.79%
ROIC 6.29%
ROICexc 6.43%
ROICexgc 6.56%
OM 31.81%
PM (TTM) N/A
GM 79.94%
FCFM N/A
ROA(3y)-2.13%
ROA(5y)0.12%
ROE(3y)-10.69%
ROE(5y)-1.66%
ROIC(3y)4.69%
ROIC(5y)5.44%
ROICexc(3y)4.8%
ROICexc(5y)5.56%
ROICexgc(3y)5.16%
ROICexgc(5y)6.18%
ROCE(3y)5.81%
ROCE(5y)6.73%
ROICexgc growth 3Y-1.48%
ROICexgc growth 5Y-3.4%
ROICexc growth 3Y2.68%
ROICexc growth 5Y-1.12%
OM growth 3Y2.47%
OM growth 5Y-0.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y-0.45%
F-Score4
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 3.88
Debt/FCF N/A
Debt/EBITDA 9.68
Cap/Depr 46.18%
Cap/Sales 0.4%
Interest Coverage 1.48
Cash Conversion N/A
Profit Quality N/A
Current Ratio 24.82
Quick Ratio 24.82
Altman-Z 2.01
F-Score4
WACC7.35%
ROIC/WACC0.86
Cap/Depr(3y)33.06%
Cap/Depr(5y)51.98%
Cap/Sales(3y)0.37%
Cap/Sales(5y)0.7%
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-41.45%
EPS Next 2Y-11.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.83%
Revenue growth 3Y7.53%
Revenue growth 5Y2.44%
Sales Q2Q%13.69%
Revenue Next Year3.9%
Revenue Next 2Y3.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.54%
EBIT growth 3Y10.19%
EBIT growth 5Y1.8%
EBIT Next Year182.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.57%
OCF growth 3YN/A
OCF growth 5YN/A

PRA GROUP INC / PRAA Fundamental Analysis 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 4 / 10 to PRA GROUP INC (PRAA). This can be considered as Fairly Valued.


Can you provide the profitability details for PRA GROUP INC?

PRA GROUP INC (PRAA) has a profitability rating of 3 / 10.


How financially healthy is PRA GROUP INC?

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


Can you provide the expected EPS growth for PRAA stock?

The Earnings per Share (EPS) of PRA GROUP INC (PRAA) is expected to decline by -41.45% in the next year.