PRAA Stock Analysis: PRA | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 697m USD | 12M Return: 13.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.9M
Qual. Beats: 0
Rev. Trend: 96.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
PRA Group, Inc. (NASDAQ: PRAA) is a U.S.-based financial services company specializing in the purchase, collection, and management of nonperforming (charged-off) loan portfolios. The company acquires delinquent debt at a discount from credit originators-including banks and consumer lenders-that have been unable to collect outstanding balances, then seeks to recover funds through internal collection operations and third-party legal channels. This debt-buying model generates returns based on the spread between acquisition cost and ultimate recoveries.
Its portfolio spans general purpose and private label credit cards, consumer loans, auto loans, overdrafts, and small business loans. PRA Group also services class action claims recoveries on a fee basis and handles loans tied to bankruptcy and similar insolvency proceedings. Operations extend across the United States, Europe, the United Kingdom, Canada, South America, and Australia. The company was founded in 1996, is headquartered in Norfolk, Virginia, and was renamed from Portfolio Recovery Associates, Inc. to PRA Group, Inc. in October 2014. It is classified within the Financials sector under the Consumer Finance sub-industry.
- Portfolio supply expands as bank charge-offs increase
- Cash collection efficiency drives Americas segment margins
- UK FCA regulation pressures Europe segment recovery rates
| Net Income: -280.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 1.27 > 1.0 |
| NWC/Revenue: 4.92% < 20% (prev 369.1%; Δ -364.2% < -1%) |
| CFO/TA -0.00 > 3% & CFO -8.02m > Net Income -280.6m |
| Net Debt (3.72b) to EBITDA (85.6m): 43.44 < 3 |
| Current Ratio: 2.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (38.5m) vs 12m ago -2.97% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 24.77% > 50% (prev 22.11%; Δ 2.66% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBIT TTM 77.2m / Interest Expense TTM 180.6m) |
| A: 0.01 (Total Current Assets 124.8m - Total Current Liabilities 61.7m) / Total Assets 5.21b |
| B: 0.25 (Retained Earnings 1.28b / Total Assets 5.21b) |
| C: 0.01 (EBIT TTM 77.2m / Avg Total Assets 5.18b) |
| D: 0.24 (Book Value of Equity 1.00b / Total Liabilities 4.14b) |
| Altman-Z'' = 1.24 = BB |
| DSRI: 0.95 (Receivables 4.64b/4.33b, Revenue 1.28b/1.14b) |
| GMI: 0.62 (GM 61.30% / 98.83%) |
| AQI: 8.68 (AQ_t 0.97 / AQ_t-1 0.11) |
| SGI: 1.13 (Revenue 1.28b / 1.14b) |
| TATA: -0.05 (NI -280.6m - CFO -8.02m) / TA 5.21b) |
| Beneish M = 1.23 (Cap -4..+1) = D |
As of July 10, 2026, the stock is trading at USD 18.27 with a total of 250,898 shares traded. Over the past week, the price has changed by -4.50%, over one month by +17.57%, over three months by -4.84% and over the past year by +13.48%.
Current recommended Stop Loss: 17.20 (which is 5.9% or 1.2 ATR below the current price).
PRA has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold PRAA.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 26 | 42.3% |
P/E Forward = 11.5741
P/S = 0.5592
P/B = 0.728
P/EG = 5.8843
Revenue TTM = 1.28b USD
EBIT TTM = 77.2m USD
EBITDA TTM = 85.6m USD
Long Term Debt = 3.78b USD (from longTermDebt, last quarter)
Short Term Debt = 31.6m USD (from shortTermDebt, last quarter)
Debt = 3.84b USD (corrected: LT Debt 3.78b + ST Debt 31.6m) + Leases 31.6m
Net Debt = 3.72b USD (calculated: Debt 3.84b - CCE 124.8m)
Enterprise Value = 4.41b USD (697.2m + Debt 3.84b - CCE 124.8m)
Interest Coverage Ratio = 0.43 (Ebit TTM 77.2m / Interest Expense TTM 180.6m)
EV/FCF = -330.6x (Enterprise Value 4.41b / FCF TTM -13.4m)
FCF Yield = -0.30% (FCF TTM -13.4m / Enterprise Value 4.41b)
FCF Margin = -1.04% (FCF TTM -13.4m / Revenue TTM 1.28b)
Net Margin = -21.88% (Net Income TTM -280.6m / Revenue TTM 1.28b)
Gross Margin = unknown ((Revenue TTM 1.28b - Cost of Revenue TTM 14.9m) / Revenue TTM)
Tobins Q-Ratio = 0.85 (Enterprise Value 4.41b / Total Assets 5.21b)
Interest Expense / Debt = 4.70% (Interest Expense 180.6m / Debt 3.84b)
Taxrate = 21.62% (8.76m / 40.5m)
NOPAT = 60.5m (EBIT 77.2m * (1 - 21.62%))
Current Ratio = 2.02 (Total Current Assets 124.8m / Total Current Liabilities 61.7m)
Debt / Equity = 3.83 (Debt 3.84b / totalStockholderEquity, last quarter 1.00b)
Debt / EBITDA = 43.44 (Net Debt 3.72b / EBITDA 85.6m)
Debt / FCF = -278.4 (out of range, set to none) (Net Debt 3.72b / FCF TTM -13.4m)
Total Stockholder Equity = 1.06b (last 4 quarters mean from totalStockholderEquity)
RoA = -5.42% (Net Income -280.6m / Total Assets 5.21b)
RoE = -26.42% (Net Income TTM -280.6m / Total Stockholder Equity 1.06b)
RoCE = 1.59% (EBIT 77.2m / Capital Employed (Equity 1.06b + L.T.Debt 3.78b))
RoIC = 1.18% (NOPAT 60.5m / Invested Capital 5.11b)
WACC = 4.58% (E(697.2m)/V(4.54b) * Re(9.52%) + D(3.84b)/V(4.54b) * Rd(4.70%) * (1-Tc(0.22)))
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -20.0 | Cagr: -0.84%
[DCF] Fair Price = unknown (Cash Flow -13.4m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.06 | # QB: 0
Revenue Correlation: 96.83 | Revenue CAGR: 19.20% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.53 | Chg30d=+2.94% | Revisions=+25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.59 | Chg30d=-3.28% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=2.52 | Chg30d=+7.25% | Revisions=+40% | GrowthEPS=+36.7% | GrowthRev=+1.5%
EPS next Year (2027-12-31): EPS=2.83 | Chg30d=-4.72% | Revisions=-25% | GrowthEPS=+12.3% | GrowthRev=-0.1%
[Analyst] Revisions Ratio: +22% (up=4, down=2)