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PRAA stock logo

PRAA

PRA Group, Inc.

$15.54
0.34
 (2.24%)
Exchange:  NASDAQ
Market Cap:  592.71M
Shares Outstanding:  30M
Delayed data
Calculate PRAA Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Martin Sjolund
Full Time Employees:  2991
Address: 
120 Corporate Boulevard
Norfolk
VA
23502
US
Website:  https://www.pragroup.com
PRA Group, Inc., a financial and business services enterprise, specializes in the acquisition, management, and recovery of defaulted loan portfolios. Its operations span the Americas, Australia, and Europe. The company primarily procures overdue financial obligations from individuals, which were initially extended by various credit originators like banks, consumer and retail finance firms, and automotive lenders. The types of non-performing assets it acquires are diverse, encompassing balances from Visa, MasterCard, private label, and other credit cards, as well as installment loans, lines of credit, deficiency balances, legal judgments, and trade payables. These assets are sourced from a broad spectrum of entities, including banks, credit unions, retailers, utilities, and other financial institutions. Furthermore, PRA Group offers fee-based services, such as facilitating recoveries from class action claims and servicing consumer bankruptcy accounts. The company, which was established in 1996, changed its name from Portfolio Recovery Associates, Inc. to PRA Group, Inc. in October 2014. Its corporate headquarters are situated in Norfolk, Virginia.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/08 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue815,4971,123,8251,240,240
Gross Profit416,035685,6521,229,801
EBITDA10,488209,12818,988
Operating Income100,492339,732420,741
Net Income-83,47770,601-305,142

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,525,3544,931,1555,103,322
Total Liabilities3,285,9783,737,5484,063,357
Total Stockholders Equity1,167,1121,135,032979,851
Total Debt3,080,1593,363,05832,160
Cash and Cash Equivalents112,528105,938104,409

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-97,535-94,594-85,541
Capital Expenditure-2,887-4,045-4,821
Free Cash Flow-100,422-98,639-90,362
Net Income-83,47788,573-289,974
Net Change in Cash28,934-6,2611,212

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,180,163.828Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,249,614.976Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,218,960Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)149,499.627Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)158,297.491Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)154,414.211Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)101,669.998Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)119,266.510Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)109,151Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)250,711.752Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)265,465.822Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)258,953.537Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.830Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.040Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.600Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.136B  ?P/S
 (TTM)
: 
0.48
?Net Income
 (TTM)
: 
70.601M  ?P/E
 (TTM)
: 
-2.19
?Enterprise Value
 (TTM)
: 
517.453M  ?EV/FCF
 (TTM)
: 
-38.75
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
-0.26  ?ROIC
 (TTM)
: 
1.86
?Net Debt
 (TTM)
: 
3.419B  ?Debt/Equity
 (TTM)
: 
0.03
?P/B
 (TTM)
: 
0.61  ?Current Ratio
 (TTM)
: 
2.02

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
6.17Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about PRAA valuation

Is PRA Group, Inc. (PRAA) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PRA Group, Inc. (PRAA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PRAA a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PRAA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PRAA’s P/E ratio?

You can see PRAA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PRAA?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PRAA a good long-term investment?

Whether PRAA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PRAA

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.24
MARKETSnap

Trading Metrics:

Open: 15.22   Previous Close: 15.2
Day Low: 15.17   Day High: 15.77
Year Low: 10.25   Year High: 22.55
Price Avg 50: 18.07   Price Avg 200: 16.22
Volume: 607457   Average Volume: 475411

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See in Nexus

Relevant news

Should You Hold PRAA Stock on Rising Collections and Portfolio Income?
04-06-2026 14:25
Should You Hold PRAA Stock on Rising Collections and Portfolio Income?
PRA Group Q1 Earnings Call Highlights
08-05-2026 16:15
PRA Group Q1 Earnings Call Highlights
PRA Group, Inc. (PRAA) Q1 2026 Earnings Call Transcript
08-05-2026 03:11
PRA Group, Inc. (PRAA) Q1 2026 Earnings Call Transcript
PRA Group (PRAA) Surpasses Q1 Earnings and Revenue Estimates
07-05-2026 18:26
PRA Group (PRAA) Surpasses Q1 Earnings and Revenue Estimates
Here's Why Investors Should Stay Neutral on PRA Group for Now
30-03-2026 11:57
Here's Why Investors Should Stay Neutral on PRA Group for Now
Financial Comparison: PRA Group (NASDAQ:PRAA) and Solar Energy Initiatives (OTCMKTS:SNRY)
06-03-2026 02:24
Financial Comparison: PRA Group (NASDAQ:PRAA) and Solar Energy Initiatives (OTCMKTS:SNRY)

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