PRA Group, Inc. PRAA

20.65 0.41 2.03% as of 25 Sep
Market cap
$762.0M
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.21
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 4.79%

Capital & Financial Ratios

Market Cap 762.00
Revenue 1,331.24
Net Income (254.04)
Free Cash Flow (37.85)
Net Debt 3,727.38
Current Ratio 1.21
Debt/Equity 3.47
P/E ratio 0.00
P/S ratio 0.59
P/B ratio 0.71
Past 5Y EPS Growth (1.14%)
This Y EPS Growth 143.05%
Next Y EPS Growth 8.25%
Next 5Y EPS Growth (5.30%)
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 113 106 104 132
Receivables 3,684 4,160 4,706 4,738
Inventory — — — —
Other — — — —
3,797 4,266 4,810 4,871
2023 2024 2025 Q'26
Payables 6 — — —
ST’ Debt 3,030 3,490 3,803 3,860
Other — — — —
3,186 3,660 3,965 4,025
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 2.47% 2.44% 7.53%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 2.16% (5.41%) (6.85%)

Revenue

Mar Jun Sep Dec Year
’26 315 372 — — —
’25 270 288 311 333 1,202
’24 256 284 281 293 1,115
’23 155 209 216 221 803
’22 241 258 245 223 967
’21 289 286 264 257 1,096
’20 252 272 268 274 1,065
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 25 (36) — — —
’25 (53) (13) (10) (10) (86)
’24 (73) (29) (35) 43 (95)
’23 (48) (33) (37) 21 (98)
’22 (23) (19) 38 25 22
’21 20 1 17 47 85
’20 47 76 9 10 142
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 24 (39) — — —
’25 (53) (14) (11) (11) (90)
’24 (73) (31) (36) 42 (99)
’23 (48) (34) (39) 20 (100)
’22 (26) (23) 36 22 8
’21 18 0 14 42 74
’20 39 73 7 6 124
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.73 1.51 — — —
’25 0.09 1.08 (10.43) 1.46 (7.79)
’24 0.09 0.54 0.69 0.47 1.79
’23 (1.50) (0.10) (0.31) (0.22) (2.13)
’22 0.97 0.91 0.63 0.41 2.94
’21 1.27 1.22 0.76 0.79 4.04
’20 0.42 1.26 0.92 0.65 3.26
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
20.00 25.72 22.62 23.97 19.40 32.78 29.69 11.85 18.64 12.29

Analyst estimates 2026–2028

Powerpack
Low Price
39.70 42.70 43.75 38.07 47.35 50.67 51.00 43.34 31.43 23.97
High Price
4,019 5,154 5,377 4,412 3,820 3,446 3,277 3,155 3,115 2,615
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
931 828 908 1,017 1,065 1,096 967 803 1,115 1,202
Revenue
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin
136 160 89 117 209 250 155 (83) 110 (243)
EBT
14.57% 19.35% 9.85% 11.54% 19.61% 22.85% 16.01% (10.33%) 9.83% (20.24%)
EBT Margin
92 171 76 98 168 196 118 (67) 89 (290)
Net Income
35 38 41 40 40 25 25 28 21 431
Depreciation
20.09 18.13 20.06 22.41 23.40 24.37 24.38 20.49 28.30 30.68
Revenue/Sh
1.84 3.55 1.45 1.90 3.28 4.07 2.96 (2.13) 1.79 (7.79)
Earnings/Sh
4.45 0.34 1.79 2.94 3.11 1.89 0.54 (2.49) (2.40) (2.18)
Cash Flow/Sh
(0.31) (0.50) (0.45) (0.40) (0.38) (0.25) (0.33) (0.07) (0.10) (0.12)
Capex/Sh
4.14 (0.16) 1.33 2.54 2.73 1.64 0.21 (2.56) (2.50) (2.31)
Free CF/Sh
19.80 24.98 24.82 27.03 30.16 29.47 32.46 31.64 30.31 26.55
Book Value/Sh
46 46 45 45 46 45 40 39 39 39
Shares
21.96 9.39 16.81 19.11 12.13 12.37 11.76 0.00 11.61 0.00
PE Ratio
2.01 1.84 1.21 1.62 1.70 2.06 1.42 1.25 0.74 0.58
PS Ratio
2.04 1.34 0.98 1.34 1.31 1.70 1.07 0.81 0.69 0.67
PB Ratio
3.91 4.43 3.92 4.36 4.22 4.47 4.03 4.89 3.77 3.65
EV/Sales
18.97 (498.49) 59.01 38.48 36.08 66.52 466.99 (39.07) (42.65) (48.60)
EV/FCF
206 15 81 133 142 85 22 (98) (95) (86)
Op' Cash Flow
(14) (23) (21) (18) (17) (11) (13) (3) (4) (5)
Capex
192 (7) 60 115 124 74 8 (100) (99) (90)
FCF
458 564 590 655 719 673 658 611 606 845
Working Cap'
1,860 2,269 2,556 2,915 2,794 2,733 2,608 3,030 3,490 3,803
Total Debt
1,766 2,148 2,458 2,791 2,685 2,646 2,524 2,917 3,384 3,699
Net Debt
917 1,141 1,124 1,227 1,374 1,325 1,287 1,239 1,194 1,040
Sh' Equity
2.80% 4.79% 1.72% 2.07% 3.36% 4.15% 2.74% (1.92%) 1.49% (6.08%)
ROA
5.12% 4.06% 3.23% 3.85% 5.38% 5.90% 4.69% 1.51% 4.64% (0.40%)
ROIC
9.82% 15.97% 5.79% 7.33% 11.49% 13.58% 8.97% (6.61%) 5.80% (27.32%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

PRA Group, Inc. (PRAA) key facts

  • PRA Group, Inc. (PRAA) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • PRA Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 7.83% from fiscal 2024.
  • PRA Group, Inc. reported a net loss of $290.0 million, or a loss of $7.79 per share, for fiscal 2025.
  • As of September 25, 2026, PRAA traded at $20.65, a market capitalization of $762.0 million.
  • Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 0.6× sales.
  • Return on equity was −27.3% and debt-to-equity 3.47.

Source: company filings (standardised) and stockrow calculations.

PRA Group, Inc. (PRAA) Latest News

News by impact score

Fine-tune

28 Aug

4

PRA Group highlighted portfolio growth, cost cuts and AI initiatives at the IDEAS Conference. Portfolio growth, cost reductions and AI push signal major strategic moves likely to alter company trajectory and investor sentiment.

13 Aug

3 transcript

PRA Group (PRAA) Q2 2026 earnings call covered financial results, operational updates and forward outlook. Earnings call supplies financial metrics and guidance that can shift near-term investor sentiment.

7 Aug

4

PRA Group boosted estimated remaining collections strategically and realized cost savings in its Q2 2026 earnings call. Strategic ERC boost and cost savings represent major moves likely to alter PRA Group's financial trajectory and investor sentiment.

3

PRA Group, Inc. released its Q2 2026 earnings call summary covering financial results, operational updates, and forward guidance. Earnings call summaries deliver financial metrics and outlook that can shift near-term investor sentiment and valuation.

3

PRA Group Q2 earnings call highlights financial results and company updates. Earnings call details can shift near-term investor views on operations.

6 Aug

3

PRA Group beat Q2 earnings and revenue estimates. Q2 earnings beat indicates modestly stronger financial results likely to influence near-term investor views.

3

PRA Group, Inc. reported its financial results for the second quarter of 2026. Quarterly results updates provide performance data that can moderately shift investor sentiment and valuation.

24 Jun

3

Encore Capital trends signal tech-driven gains alongside margin risks extending into 2026 with direct implications for PRA Group operations and performance outlook. Tech gains and margin risks point to moderately noticeable effects on PRA Group financial trajectory and positioning through 2026.

4 Jun

3

PRA Group reports rising collections and portfolio income, prompting assessment of whether to hold PRAA stock based on these financial trends. Rising collections and portfolio income signal improved operational results that may moderately affect PRAA financial performance and investor views.

8 May

4

PRA Group, Inc. (PRAA) released Q1 earnings call highlights covering financial results, operational updates, and forward guidance. Q1 earnings call highlights reveal core financial performance and strategic outlook, significantly influencing stock trajectory and investor sentiment.

4

PRA Group, Inc. (PRAA) Q1 earnings beat analyst estimates due to higher cash collections. Q1 earnings beat driven by higher cash collections indicates strong financial performance likely to enhance investor sentiment and stock trajectory.

4 transcript

PRA Group (PRAA) released Q1 2026 earnings call transcript detailing quarterly financial performance, cash flows, portfolio purchases, and forward guidance. Q1 2026 earnings transcript reveals financial results, operational updates, and guidance that could significantly influence stock price and investor outlook.

3 transcript

PRA Group, Inc. held its Q1 2026 earnings call covering financial results and outlook. Quarterly earnings call supplies performance data and guidance that can shift investor views on operations.

7 May

3

PRA Group, Inc. (PRAA) beat Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates positively influences financial performance and market sentiment without fundamentally altering long-term trajectory.

3

PRA Group, Inc. (PRAA) reported first quarter 2026 results, detailing financial performance metrics for the period. Quarterly earnings reports affect key financial metrics and market sentiment but are routine disclosures.

5 May

4

PRA Group, Inc. (PRAA) announces amendment and extension of its European Credit Agreement. Amending and extending the European Credit Agreement secures longer-term funding, enhances liquidity, and reduces refinancing risks for PRA Group's operations.

27 Feb

4

PRA Group, Inc. (PRAA) Q4 earnings beat estimates, driven by strong portfolio income. Q4 earnings beat on core portfolio income signals strong financial performance and positive investor sentiment.

4

PRA Group, Inc. released Q4 2025 earnings call summary detailing financial performance, portfolio results, and forward-looking guidance. Q4 earnings call summary provides critical financial metrics and strategic outlook significantly influencing PRAA's trajectory and investor sentiment.

4

PRA Group released Q4 earnings call highlights detailing financial results, portfolio performance, cash flows, and outlook amid challenging collections environment. Q4 earnings highlights cover core financial metrics, guidance, and operational challenges that could significantly sway investor sentiment and stock trajectory.

4

PRA Group Inc reported record cash collections and strategic IT advancements in Q4 2025 earnings call highlights. Record cash collections directly boost core revenue while strategic IT enhancements drive operational efficiency and long-term growth.

26 Feb

4 transcript

PRA Group (PRAA) Q4 2025 earnings call transcript released, covering fourth-quarter financial results, operational updates, and forward-looking guidance. Earnings call transcripts reveal detailed quarterly financials, management commentary, and outlook that significantly influence stock price and investor expectations.

4

PRA Group (PRAA) reported Q4 earnings and revenues that beat analyst estimates. Beating Q4 earnings and revenue estimates signals strong financial health, likely driving positive stock performance and investor sentiment.

4

PRA Group, Inc. (PRAA) released Q4 earnings snapshot. Q4 earnings snapshot discloses key financial metrics that significantly affect stock performance and investor outlook.

4

PRA Group, Inc. (PRAA) reported fourth quarter and full year 2025 financial results. Earnings reports directly impact financial performance metrics and investor sentiment toward future prospects.

25 Feb

4

Higher cash collections could boost PRA Group's Q4 earnings amid expectations of improved portfolio performance. Higher cash collections directly drive revenue and profitability for PRA Group, potentially significantly lifting Q4 earnings and stock performance.

11 Jan

4

PRA Group, Inc. (PRAA) has received a new price target of US$26, reflecting a shift in market sentiment towards the company. Analysts are optimistic about PRAA's potential for growth, driven by recent strategic initiatives and improved financial performance. The updated target suggests a positive outlook for investors, indicating confidence in the company's ability to navigate market challenges and capitalize on opportunities. This adjustment in target price may influence investor behavior and market dynamics surrounding PRAA. The new price target indicates significant optimism about PRAA's strategic initiatives and financial performance, likely impacting investor sentiment and market positioning.

8 Jan

3

PRA Group, Inc. (NASDAQ:PRAA) shareholders have experienced losses over the past five years, with the stock price declining significantly. The company's performance has been affected by various market conditions and operational challenges, leading to a negative return on investment for long-term shareholders. Investors are concerned about the future trajectory of the company amidst these challenges. The decline in stock price and shareholder losses indicate a moderately noticeable influence on PRA Group's financial performance and market sentiment.

19 Dec

4

PRA Group, Inc. (PRAA) is experiencing rapid momentum in its stock performance, yet it remains undervalued compared to its potential. Analysts highlight the company's strong fundamentals and growth prospects, suggesting that current market conditions may not fully reflect its true value. Investors are encouraged to consider PRAA as a bargain opportunity amidst its upward trajectory. Strong fundamentals and growth prospects indicate significant potential for future performance.

4 Dec

4

PRA Group, Inc. is positioned as a strong investment opportunity due to favorable market conditions and strategic initiatives that are expected to enhance its growth prospects. Analysts highlight the company's improving financial metrics and operational efficiencies, suggesting that these factors will contribute positively to its future performance. With tailwinds building up, PRAA is seen as a compelling buy for investors looking for potential gains in the debt purchasing sector. Favorable market conditions and strategic initiatives are likely to significantly impact PRA Group's future performance.

3 Dec

4

PRA Group, Inc. (PRAA) has seen a 27.1% increase in its stock price since the last earnings report, attributed to strong financial performance and positive market sentiment. The company reported better-than-expected earnings, driven by improved collections and operational efficiency. Analysts have expressed optimism about PRAA's growth prospects, citing effective management strategies and a favorable economic environment. This surge reflects investor confidence in the company's ability to navigate challenges and capitalize on opportunities in the debt purchasing sector. The significant stock price increase indicates strong investor confidence and potential for future growth driven by improved financial performance.

stockrow.com/PRAA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com