(PRAA) PRA - Ratings and Ratios
Debt Collection, Nonperforming Loans, Consumer Debt, Auto Loans, Recoveries
PRAA EPS (Earnings per Share)
PRAA Revenue
Description: PRAA PRA
PRA Group, Inc. is a financial services company that specializes in the acquisition, collection, and management of distressed debt portfolios globally. The companys business model involves purchasing nonperforming loans from credit originators, which are then collected upon, often at a significant discount to the original debt amount. PRA Groups diverse portfolio includes various types of debt, such as credit card debt, consumer loans, auto loans, and small business loans, often involving customers in financial distress or bankruptcy proceedings.
By leveraging its expertise in debt collection and portfolio management, PRA Group generates revenue through the recovery of debts that were previously considered uncollectible. The companys services also extend to fee-based recovery of class action claims. With a presence in the global market, PRA Group has established itself as a significant player in the consumer finance industry, with a history dating back to its founding in 1996.
Analyzing the current market data, PRAAs stock is currently trading at $15.24, with its 20-day Simple Moving Average (SMA) at $14.65, indicating a recent uptrend. The 50-day SMA is at $15.45, suggesting a potential resistance level. Meanwhile, the 200-day SMA stands at $19.72, indicating a longer-term downtrend. The Average True Range (ATR) is 0.57, representing a 3.75% daily volatility. Given these technical indicators, it appears that the stock is consolidating and may be poised for a breakout.
From a fundamental perspective, PRA Groups market capitalization is approximately $583.38 million, with a price-to-earnings (P/E) ratio of 8.13 and a forward P/E of 11.57. The companys Return on Equity (RoE) is 6.46%. Considering these metrics, the stock appears to be undervalued relative to its earnings potential. By combining the technical and fundamental analysis, a forecast for PRAAs stock price could be made. If the company continues to demonstrate strong debt recovery capabilities and the overall market sentiment improves, the stock may break through its current resistance level and potentially reach $18-$20 in the short term, driven by a combination of improved earnings and a reversal of the longer-term downtrend.
PRAA Stock Overview
| Market Cap in USD | 633m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2002-11-08 |
PRAA Stock Ratings
| Growth Rating | -74.7% |
| Fundamental | 51.3% |
| Dividend Rating | 0.07% |
| Return 12m vs S&P 500 | -37.2% |
| Analyst Rating | 3.75 of 5 |
PRAA Dividends
Currently no dividends paidPRAA Growth Ratios
| Growth Correlation 3m | 85.3% |
| Growth Correlation 12m | -76.6% |
| Growth Correlation 5y | -81.1% |
| CAGR 5y | -18.27% |
| CAGR/Max DD 5y | -0.24 |
| Sharpe Ratio 12m | -0.42 |
| Alpha | -37.67 |
| Beta | 0.606 |
| Volatility | 40.39% |
| Current Volume | 163.6k |
| Average Volume 20d | 266.5k |
| Stop Loss | 16.5 (-3.5%) |
| Signal | 0.21 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (91.6m TTM) > 0 and > 6% of Revenue (6% = 67.5m TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA 0.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 5.75% (prev 381.4%; Δ -375.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -57.6m <= Net Income 91.6m (YES >=105%, WARN >=100%) |
| Net Debt (-102.1m) to EBITDA (197.6m) ratio: -0.52 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.96 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (39.5m) change vs 12m ago -0.03% (target <= -2.0% for YES) |
| Gross Margin 62.36% (prev 61.89%; Δ 0.47pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.27% (prev 21.14%; Δ 1.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.37 (EBITDA TTM 197.6m / Interest Expense TTM 135.6m) >= 6 (WARN >= 3) |
Altman Z'' 1.63
| (A) 0.01 = (Total Current Assets 131.6m - Total Current Liabilities 67.0m) / Total Assets 5.43b |
| (B) 0.30 = Retained Earnings (Balance) 1.61b / Total Assets 5.43b |
| (C) 0.04 = EBIT TTM 185.9m / Avg Total Assets 5.05b |
| (D) 0.33 = Book Value of Equity 1.32b / Total Liabilities 4.04b |
| Total Rating: 1.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.29
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield -2.38% = -1.19 |
| 3. FCF Margin -8.77% = -3.29 |
| 4. Debt/Equity 2.73 = -0.35 |
| 5. Debt/Ebitda 18.44 = -2.50 |
| 6. ROIC - WACC 0.83% = 1.04 |
| 7. RoE 7.47% = 0.62 |
| 8. Rev. Trend 71.11% = 3.56 |
| 9. Rev. CAGR 5.94% = 0.74 |
| 10. EPS Trend 41.98% = 1.05 |
| 11. EPS CAGR 21.22% = 2.12 |
What is the price of PRAA shares?
Over the past week, the price has changed by -1.44%, over one month by +8.99%, over three months by +20.52% and over the past year by -26.56%.
Is PRA a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PRAA is around 14.90 USD . This means that PRAA is currently overvalued and has a potential downside of -12.81%.
Is PRAA a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PRAA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25.7 | 50.2% |
| Analysts Target Price | 25.3 | 48.2% |
| ValueRay Target Price | 15.7 | -8% |
Last update: 2025-08-18 02:03
PRAA Fundamental Data Overview
CCE Cash And Equivalents = 131.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.9828
P/E Forward = 11.5741
P/S = 0.5592
P/B = 0.4735
P/EG = 5.8843
Beta = 1.541
Revenue TTM = 1.12b USD
EBIT TTM = 185.9m USD
EBITDA TTM = 197.6m USD
Long Term Debt = 3.61b USD (from longTermDebt, last quarter)
Short Term Debt = 29.5m USD (from shortTermDebt, last quarter)
Debt = 3.64b USD (Calculated: Short Term 29.5m + Long Term 3.61b)
Net Debt = -102.1m USD (from netDebt column, last quarter)
Enterprise Value = 4.15b USD (633.0m + Debt 3.64b - CCE 131.6m)
Interest Coverage Ratio = 1.37 (Ebit TTM 185.9m / Interest Expense TTM 135.6m)
FCF Yield = -2.38% (FCF TTM -98.6m / Enterprise Value 4.15b)
FCF Margin = -8.77% (FCF TTM -98.6m / Revenue TTM 1.12b)
Net Margin = 8.15% (Net Income TTM 91.6m / Revenue TTM 1.12b)
Gross Margin = 62.36% ((Revenue TTM 1.12b - Cost of Revenue TTM 423.1m) / Revenue TTM)
Tobins Q-Ratio = 3.13 (Enterprise Value 4.15b / Book Value Of Equity 1.32b)
Interest Expense / Debt = 1.71% (Interest Expense 62.4m / Debt 3.64b)
Taxrate = 19.19% (from yearly Income Tax Expense: 21.0m / 109.6m)
NOPAT = 150.2m (EBIT 185.9m * (1 - 19.19%))
Current Ratio = 1.96 (Total Current Assets 131.6m / Total Current Liabilities 67.0m)
Debt / Equity = 2.73 (Debt 3.64b / last Quarter total Stockholder Equity 1.34b)
Debt / EBITDA = 18.44 (Net Debt -102.1m / EBITDA 197.6m)
Debt / FCF = -36.94 (Debt 3.64b / FCF TTM -98.6m)
Total Stockholder Equity = 1.23b (last 4 quarters mean)
RoA = 1.69% (Net Income 91.6m, Total Assets 5.43b )
RoE = 7.47% (Net Income TTM 91.6m / Total Stockholder Equity 1.23b)
RoCE = 3.84% (Ebit 185.9m / (Equity 1.23b + L.T.Debt 3.61b))
RoIC = 3.23% (NOPAT 150.2m / Invested Capital 4.65b)
WACC = 2.40% (E(633.0m)/V(4.28b) * Re(8.25%)) + (D(3.64b)/V(4.28b) * Rd(1.71%) * (1-Tc(0.19)))
Shares Correlation 5-Years: -10.0 | Cagr: -2.40%
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -98.6m)
Revenue Correlation: 71.11 | Revenue CAGR: 5.94%
Rev Growth-of-Growth: 2.32
EPS Correlation: 41.98 | EPS CAGR: 21.22%
EPS Growth-of-Growth: 137.1
Additional Sources for PRAA Stock
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