Company Overview
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.
Why Investors Should Care
Operating margin of 32.8% supports profitability.
Recent Developments
- Dec 2025 Revenue of $1.20B (+7.8% YoY); net profit $-305.14M.
- Trailing 12 Months Year-on-year growth — revenue +16.7%, earnings +711.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 9.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 9.34% |
| 1 Year: | 16.70% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 711.10% |
Stock Price Performance
| 1 Year: | +13.24% |
| 6 Months: | +2.34% |
| 3 Months: | -8.46% |
| 1 Month: | +15.72% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)54.33 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 17.96 | -2.51 | $685.01M | 0.00% | - | -22.75% | 9.34% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2013 | 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 | 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 | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 65.89M | 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 | 89.98M | 74.58M | 85.11M | -315.55M | 103.25M |
| Net Income | 38.60M | 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 | 27.15M | 3.66M | 42.37M | -407.70M | 28.21M |
| Diluted EPS | 0.75 | 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 | 0.69 | 0.09 | 1.08 | -10.43 | 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 | 263.27M | 281.09M | 372.71M | 458.94M | 592.80M | 735.13M | 880.97M | 942.02M | 77.38M | 24.92M | 14.92M | 15.77M | 9.75M | 14.70M | 966.52M | 802.55M | 1.11B | 1.20B |
| 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 | 375.00M | 285.80M | 100.49M | 339.73M | -30.27M |
| 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 | 183.16M | 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 | 4.04 | 2.94 | -2.13 | 1.79 | -7.79 |
| R&D Expense | - | - | 1.30M | 1.30M | 1.30M | - | - | - | - | - | - | - | - | - | - | - | - | - |
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 | 4.37B | 4.18B | 4.53B | 4.93B | 5.10B |
| Total Equity | 235.28M | 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 | 1.29B | 1.23B | 1.17B | 1.14B | 979.85M |
| 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 | 87.58M | 83.38M | 112.53M | 105.94M | 104.41M |
| Long Term Debt | - | - | - | 2.40M | 1.25M | 200.54M | - | - | - | 1.82B | - | - | - | - | - | - | - | - | - |
| 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 | 3.04B | 2.89B | 3.29B | 3.74B | 4.06B |
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 | 84.92M | 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 | 160.38M | 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 | -262.81M | -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 | -11.21M | -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 | 73.71M | 8.34M | -100.42M | -98.64M | -90.36M |
| 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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 32.2% | 28.7% | 34.8% | 38.8% | 36.4% | 40.5% | 38.8% | 32.9% | 284.0% | 857.8% | 1,242.0% | 1,570.7% | 3,587.4% | 2,551.2% | 29.6% | 12.5% | 30.5% | -2.5% |
| Net Margin % | 17.2% | 15.8% | 19.7% | 22.0% | 21.4% | 23.8% | 20.0% | 17.8% | 111.5% | 659.5% | 439.5% | 546.4% | 1,532.0% | 1,246.1% | 12.1% | -10.4% | 6.3% | -25.4% |
| 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% | 14.2% | 9.5% | -7.2% | 6.2% | -31.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 18.59% | 7.09M | $130.01M |
| 2 | Topline Capital Management, LLC | 10.08% | 3.85M | $70.52M |
| 3 | T. Rowe Price Investment Management, Inc. | 9.55% | 3.64M | $66.82M |
| 4 | Global Alpha Capital Management Ltd. | 5.08% | 1.94M | $35.52M |
| 5 | Vanguard Capital Management LLC | 4.34% | 1.65M | $30.34M |
| 6 | Dimensional Fund Advisors LP | 4.29% | 1.64M | $30.00M |
| 7 | State Street Corporation | 3.94% | 1.50M | $27.53M |
| 8 | Geode Capital Management, LLC | 2.48% | 946.53K | $17.36M |
| 9 | Vanguard Portfolio Management LLC | 2.16% | 822.65K | $15.09M |
| 10 | Shaw D.E. & Co., Inc. | 2.15% | 821.61K | $15.07M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PRAA
Should You Hold PRAA Stock on Rising Collections and Portfolio Income? - Yahoo Finance
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PRA Group (NASDAQ:PRAA) Stock Price Passes Above 200-Day Moving Average - Here's Why - MarketBeat
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BlackRock (PRAA) holds 3.07M shares, 8.0% stake disclosed in 13G/A - Stock Titan
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$PRAA stock is down 17% today. Here's what we see in our data. - Quiver Quantitative
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PRAA Forecast — Price Target — Prediction for 2027 - TradingView
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PRA Group (NASDAQ:PRAA) Q1 Earnings Beat on Revenue and EPS Beat - ChartMill
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PRAA — Frequently Asked Questions
What is the current share price of PRA Group, Inc. (PRAA)?
As of 2026-07-14 21:23 PDT, PRA Group, Inc. (PRAA) trades at $17.96 on NasdaqGS. Its 52-week range is $10.42 to $22.23.
What is the market capitalisation of PRAA?
PRA Group, Inc. (PRAA) has a market capitalisation of $685.01M on NasdaqGS.
What is the P/E ratio of PRAA?
PRAA trades at a trailing price-to-earnings (P/E) ratio of -2.51. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.60.
What is the return on equity (ROE) of PRAA?
PRAA has a return on equity (ROE) of -22.75%.
Is PRAA a good stock to buy?
This page provides a data-driven analysis of PRA Group, Inc. (PRAA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.