PRA Group, Inc. PRAA R2K
Financial Services · Credit Services · United States
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.
READ MORE ›$15.26
+7.54% 1Y
Market & Price
Market Cap
$582.03M
Current Price
$15.26
High / Low (52W)
$22.23 / $10.42
Beta
1.26
Valuation
Stock P/E
-
Industry PE
12.01
Forward P/E
5.40
PEG Ratio
5.82
Book Value
$26.28
Price to Book
0.58
P/S
0.47
EV/EBITDA
10.31
Dividend Yield
-
Profitability & Returns
ROCE
-2.86%
ROE
-22.75%
ROA
4.98%
Profit Margin
-22.51%
Op Margin
32.83%
EPS (Latest Qtr)
$0.73
EPS (TTM)
$-7.15
Balance Sheet & Liquidity
Debt/Equity
3.57
Quick Ratio
21.81
Current Ratio
22.39
Debt
$3.81B
Total Assets
$5.10B
Current Assets
$4.88B
Working Capital
$4.61B
Ownership
Promoter Holding
2.19%
Chg in Prom Hold
-
FII / Inst Holding
101.16%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$4.33B
Total Revenue (TTM)
$1.25B
EBITDA
$420.22M
Free Cash Flow
$-437.30M
Operating Cash Flow
$-8.02M
Shares Outstanding
38.14M
Gross Margin
100.00%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
7.88%
Profit 5Y
-120.16%
Revenue (YoY)
16.70%
Earnings (YoY)
711.10%
PROS
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -120.2% CAGR over 5 years.
- Trading 31.4% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PRAA PRA Group, Inc. R2K | 15.26 | - | $582.03M | - | -2.86% | -22.75% | 7.88% | -120.16% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Ad space
Quarterly Results
Figures in USD.
| Metric | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 6.34M | 2.67M | 5.33M | 2.34M | 2.56M | 6.37M | 2.71M | 2.39M | 2.21M | 2.64M | 1.98M | 2.18M | 2.45M | 6.21M | 1.83M | 6.47M | 6.12M | - | - | - | - | - | - | 272.04M | 290.73M | 314.15M | 336.42M | 317.41M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 109.91M | 114.26M | 114.44M | 108.27M | 104.72M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 162.14M | 176.48M | 199.70M | 228.15M | 212.70M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 121.72M | 126.85M | 139.84M | 134.42M | 140.54M |
| Operating Income | 73.83M | 79.47M | 71.58M | 72.44M | 88.19M | 96.17M | 88.88M | 54.13M | 70.89M | 72.76M | 67.49M | 53.26M | 48.32M | 54.25M | 53.61M | 55.31M | 44.12M | 48.85M | 63.37M | 64.69M | 60.54M | 111.28M | 88.67M | 110.75M | 104.21M | 77.58M | 71.97M | 83.74M | 70.79M | -33.64M | 45.56M | 43.05M | 66.40M | 89.22M | - | 40.42M | 49.62M | 59.86M | 93.73M | 72.16M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 42.06M | 88.54M | -352.25M | 94.01M | 72.48M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.91M | 24.91M | 24.91M | 30.42M | 30.24M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.38M | 61.13M | -379.61M | 61.86M | 40.54M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.31M | 15.41M | 24.36M | 2.65M | 8.76M |
| Net Income | 43.60M | 47.34M | 40.84M | 37.51M | 51.17M | 58.13M | 51.42M | 17.40M | 31.98M | 36.46M | 34.31M | 48.17M | 11.67M | 15.55M | 21.11M | 19.59M | 9.93M | 15.23M | 18.62M | 24.97M | 19.14M | 57.91M | 42.49M | 58.41M | 56.00M | 34.48M | 39.97M | 36.48M | 24.73M | -58.63M | -3.80M | -12.26M | 3.48M | 21.52M | - | 3.66M | 42.37M | -407.70M | 56.53M | 28.21M |
| Diluted EPS | 0.85 | 0.93 | 0.81 | 0.74 | 1.01 | 1.19 | 1.06 | 0.36 | 0.69 | 0.79 | 0.74 | 1.03 | 0.25 | 0.34 | 0.47 | 0.43 | 0.22 | 0.34 | 0.41 | 0.55 | 0.42 | 1.26 | 0.92 | 1.27 | 1.22 | 0.76 | 0.97 | 0.91 | 0.63 | -1.50 | -0.10 | -0.31 | 0.09 | 0.54 | - | 0.09 | 1.08 | -10.43 | 1.46 | 0.73 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 77.38M | 24.92M | 14.92M | 15.77M | 9.75M | - | 966.52M | 802.55M | 1.12B | 1.21B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 416.21M | 470.50M | 438.17M | 446.87M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 550.31M | 332.05M | 685.65M | 766.47M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 395.19M | 413.28M | 475.89M | 522.83M |
| Operating Income | 84.84M | 80.61M | 129.86M | 178.03M | 216.06M | 297.53M | 342.07M | 310.34M | 219.75M | 213.73M | 185.26M | 247.69M | 349.70M | - | 155.12M | -81.23M | 209.76M | 243.63M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 170.37M | -62.62M | 209.13M | -127.65M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 51.70M | 74.76M | 88.73M | 105.15M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 154.78M | -82.89M | 109.61M | -243.24M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 36.79M | -16.13M | 21.03M | 46.73M |
| Net Income | 45.36M | 44.31M | 73.45M | 100.79M | 126.59M | 175.31M | 176.50M | 167.93M | 86.25M | 164.31M | 65.56M | 86.16M | 149.34M | - | 117.15M | -83.48M | 70.60M | -305.14M |
| Diluted EPS | 2.97 | 2.87 | 4.35 | 1.95 | 2.46 | 3.45 | 3.50 | 3.47 | 1.86 | 3.59 | 1.44 | 1.89 | 3.26 | - | 2.94 | -2.13 | 1.79 | -7.79 |
| R&D Expense | - | - | 1.30M | 1.30M | 1.30M | - | - | - | - | - | - | - | - | - | - | - | - | - |
Compounded Sales Growth
| 5 Years: | 7.88% |
| 1 Year: | 16.70% |
Compounded Profit Growth
| 5 Years: | -120.16% |
| 1 Year: | 711.10% |
Stock Price Performance
| 1 Year: | +7.54% |
| 6 Months: | -4.45% |
| 3 Months: | -3.11% |
| 1 Month: | -30.35% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 794.43M | 995.91M | 1.07B | 1.29B | 1.60B | 2.78B | 2.99B | 3.16B | 3.70B | 3.91B | 4.42B | 4.45B | - | 4.18B | 4.53B | 4.93B | 5.10B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.48B | 3.86B | 4.32B | 4.88B |
| Cash & Equivalents | 16.73M | 13.90M | 20.27M | 41.09M | 26.70M | 32.69M | 162.00M | 39.66M | 71.37M | 94.29M | 120.52M | 98.69M | 119.77M | 108.61M | - | 83.38M | 112.53M | 105.94M | 104.41M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.30B | 3.66B | 4.14B | 4.69B |
| Total Liabilities | - | - | 458.95M | 490.94M | 457.80M | 559.86M | 731.76M | 1.88B | 2.15B | 2.24B | 2.55B | 2.78B | 3.20B | 3.08B | - | 2.89B | 3.29B | 3.74B | 4.06B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 257.41M | 271.72M | 333.20M | 267.81M |
| Long Term Debt | - | - | - | 2.40M | 1.25M | 200.54M | - | - | - | 1.82B | - | - | - | - | - | 2.49B | 2.91B | 3.33B | 3.70B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.55B | 2.96B | 3.36B | 3.73B |
| Total Equity | - | 283.86M | 335.48M | 490.52M | 595.49M | 708.43M | 869.48M | 902.22M | 800.49M | 864.30M | 1.09B | 1.10B | 1.17B | 1.34B | - | 1.23B | 1.17B | 1.14B | 979.85M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 38.98M | 39.25M | 39.51M | 38.45M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 81.72M | 85.28M | 143.58M | 173.03M | 131.41M | 225.13M | 267.90M | 203.00M | 205.90M | 15.47M | 80.87M | 133.39M | 141.70M | - | 21.59M | -97.53M | -94.59M | -85.54M |
| Investing Cash Flow | -185.71M | -134.25M | -170.53M | -104.76M | -205.58M | -175.60M | -1.03B | -282.33M | -317.51M | -294.96M | -387.25M | -441.19M | 115.00M | - | 120.45M | -234.86M | -382.47M | -59.94M |
| Financing Cash Flow | 101.17M | 55.33M | 47.78M | -82.67M | 80.70M | 79.80M | 647.96M | 120.13M | 94.41M | 295.70M | 294.93M | 339.52M | -252.10M | - | -121.34M | 355.30M | 490.84M | 115.97M |
| Capital Expenditure | -6.14M | -4.52M | -9.55M | -9.63M | -7.12M | -15.88M | -24.39M | -14.45M | -14.16M | -22.84M | -20.52M | -18.03M | -17.23M | - | -13.25M | -2.89M | -4.04M | -4.82M |
| Free Cash Flow | 75.58M | 80.76M | 134.03M | 163.39M | 124.30M | 209.25M | 243.52M | 188.54M | 191.74M | -7.37M | 60.34M | 115.36M | 124.47M | - | 8.34M | -100.42M | -98.64M | -90.36M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 20.70M | 22.91M | 13.77M | -29.51M |
| Share Buybacks | - | - | 0 | 0 | 22.73M | 58.51M | 33.16M | 165.50M | 0 | 44.91M | 0 | 0 | 0 | 200.89M | 111.37M | 0 | 0 | 20.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 56.9% | 41.4% | 61.0% | 63.2% |
| Operating Margin % | - | - | - | - | - | - | - | - | 284.0% | 857.8% | 1,242.0% | 1,570.7% | 3,587.4% | - | 16.0% | -10.1% | 18.7% | 20.1% |
| Net Margin % | - | - | - | - | - | - | - | - | 111.5% | 659.5% | 439.5% | 546.4% | 1,532.0% | - | 12.1% | -10.4% | 6.3% | -25.1% |
| ROE % | 16.0% | 13.2% | 15.0% | 16.9% | 17.9% | 20.2% | 19.6% | 21.0% | 10.0% | 15.1% | 6.0% | 7.4% | 11.1% | - | 9.5% | -7.2% | 6.2% | -31.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.0% | -1.9% | 4.6% | 5.0% |
Shareholding Pattern
Insiders
2.19%
Institutions
101.16%
Public Float
103.42%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 18.59% | 7.09M | $108.17M |
| 2 | Topline Capital Management, LLC | 10.08% | 3.85M | $58.68M |
| 3 | T. Rowe Price Investment Management, Inc. | 9.55% | 3.64M | $55.60M |
| 4 | Global Alpha Capital Management Ltd. | 5.08% | 1.94M | $29.55M |
| 5 | Vanguard Capital Management LLC | 4.34% | 1.65M | $25.25M |
| 6 | Dimensional Fund Advisors LP | 4.29% | 1.64M | $24.96M |
| 7 | State Street Corporation | 3.94% | 1.50M | $22.90M |
| 8 | Geode Capital Management, LLC | 2.48% | 946.53K | $14.44M |
| 9 | Vanguard Portfolio Management LLC | 2.16% | 822.65K | $12.55M |
| 10 | Shaw D.E. & Co., Inc. | 2.15% | 821.61K | $12.54M |
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