(PRAA) PRA - Overview
Stock: Nonperforming Loan Portfolios, Class Action Recovery Services
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 65.4% |
| Relative Tail Risk | -14.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.00 |
| Alpha | -71.77 |
| Character TTM | |
|---|---|
| Beta | 1.553 |
| Beta Downside | 1.408 |
| Drawdowns 3y | |
|---|---|
| Max DD | 73.50% |
| CAGR/Max DD | -0.47 |
Description: PRAA PRA December 26, 2025
PRA Group, Inc. (NASDAQ:PRAA) is a U.S.-based financial-services firm that buys, collects, and manages nonperforming consumer loan portfolios worldwide. Its assets include charged-off credit-card balances, auto loans, overdrafts, small-business loans, and loans tied to bankruptcy or other distress situations. The company also offers fee-based services for class-action claim recoveries. Originally founded as Portfolio Recovery Associates in 1996, it rebranded to PRA Group in October 2014 and is headquartered in Norfolk, Virginia.
According to the most recent 2023 Form 10-K, PRAA generated roughly $1.07 billion in net revenue-a modest year-over-year increase driven by higher purchase volumes and improved recovery rates, which hovered around 19% of the face value of purchased debt. The firm’s net income was about $124 million, reflecting a profit margin of roughly 11.5% after accounting for provisioning and operating expenses. Key economic levers for PRAA include consumer credit quality, macro-level interest-rate trends, and unemployment rates, all of which affect the supply of distressed assets and the likelihood of successful collections.
For a deeper dive into PRAA’s valuation multiples, cash-flow outlook, and peer benchmarking, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: -343.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.69 > 1.0 |
| NWC/Revenue: 2.34% < 20% (prev 382.1%; Δ -379.8% < -1%) |
| CFO/TA -0.01 > 3% & CFO -32.7m > Net Income -343.2m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 1.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (39.1m) vs 12m ago -1.05% < -2% |
| Gross Margin: 61.49% > 18% (prev 0.59%; Δ 6090 % > 0.5%) |
| Asset Turnover: 23.61% > 50% (prev 21.29%; Δ 2.32% > 0%) |
| Interest Coverage Ratio: -1.78 > 6 (EBITDA TTM -162.4m / Interest Expense TTM 97.6m) |
Altman Z'' 0.82
| A: 0.01 (Total Current Assets 107.5m - Total Current Liabilities 80.0m) / Total Assets 5.00b |
| B: 0.24 (Retained Earnings 1.20b / Total Assets 5.00b) |
| C: -0.04 (EBIT TTM -174.1m / Avg Total Assets 4.97b) |
| D: 0.23 (Book Value of Equity 910.5m / Total Liabilities 4.02b) |
| Altman-Z'' Score: 0.82 = B |
Beneish M 1.00
| DSRI: 1.00 (Receivables 4.57b/4.10b, Revenue 1.17b/1.05b) |
| GMI: 0.96 (GM 61.49% / 59.22%) |
| AQI: 8.33 (AQ_t 0.97 / AQ_t-1 0.12) |
| SGI: 1.12 (Revenue 1.17b / 1.05b) |
| TATA: -0.06 (NI -343.2m - CFO -32.7m) / TA 5.00b) |
| Beneish M-Score: 1.30 (Cap -4..+1) = D |
What is the price of PRAA shares?
Over the past week, the price has changed by -10.48%, over one month by -32.61%, over three months by -16.18% and over the past year by -50.77%.
Is PRAA a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PRAA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26 | 127.1% |
| Analysts Target Price | 26 | 127.1% |
| ValueRay Target Price | 8.3 | -27.5% |
PRAA Fundamental Data Overview February 05, 2026
P/S = 0.4033
P/B = 0.5408
P/EG = 5.8843
Revenue TTM = 1.17b USD
EBIT TTM = -174.1m USD
EBITDA TTM = -162.4m USD
Long Term Debt = 3.61b USD (from longTermDebt, last quarter)
Short Term Debt = 31.2m USD (from shortTermDebt, last quarter)
Debt = 31.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -76.3m USD (from netDebt column, last quarter)
Enterprise Value = 392.2m USD (468.5m + Debt 31.2m - CCE 107.5m)
Interest Coverage Ratio = -1.78 (Ebit TTM -174.1m / Interest Expense TTM 97.6m)
EV/FCF = -10.53x (Enterprise Value 392.2m / FCF TTM -37.2m)
FCF Yield = -9.50% (FCF TTM -37.2m / Enterprise Value 392.2m)
FCF Margin = -3.18% (FCF TTM -37.2m / Revenue TTM 1.17b)
Net Margin = -29.26% (Net Income TTM -343.2m / Revenue TTM 1.17b)
Gross Margin = 61.49% ((Revenue TTM 1.17b - Cost of Revenue TTM 451.7m) / Revenue TTM)
Gross Margin QoQ = 63.57% (prev 60.70%)
Tobins Q-Ratio = 0.08 (Enterprise Value 392.2m / Total Assets 5.00b)
Interest Expense / Debt = 79.91% (Interest Expense 24.9m / Debt 31.2m)
Taxrate = 19.19% (21.0m / 109.6m)
NOPAT = -140.7m (EBIT -174.1m * (1 - 19.19%)) [loss with tax shield]
Current Ratio = 1.34 (Total Current Assets 107.5m / Total Current Liabilities 80.0m)
Debt / Equity = 0.03 (Debt 31.2m / totalStockholderEquity, last quarter 928.5m)
Debt / EBITDA = 0.47 (negative EBITDA) (Net Debt -76.3m / EBITDA -162.4m)
Debt / FCF = 2.05 (negative FCF - burning cash) (Net Debt -76.3m / FCF TTM -37.2m)
Total Stockholder Equity = 1.15b (last 4 quarters mean from totalStockholderEquity)
RoA = -6.91% (Net Income -343.2m / Total Assets 5.00b)
RoE = -29.72% (Net Income TTM -343.2m / Total Stockholder Equity 1.15b)
RoCE = -3.66% (EBIT -174.1m / Capital Employed (Equity 1.15b + L.T.Debt 3.61b))
RoIC = -3.02% (negative operating profit) (NOPAT -140.7m / Invested Capital 4.66b)
WACC = 10.91% (E(468.5m)/V(499.7m) * Re(11.64%) + (debt cost/tax rate unavailable))
Discount Rate = 11.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.21%
Fair Price DCF = unknown (Cash Flow -37.2m)
EPS Correlation: 2.70 | EPS CAGR: -12.16% | SUE: -1.91 | # QB: 0
Revenue Correlation: 52.74 | Revenue CAGR: 5.47% | SUE: 1.14 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.58 | Chg30d=+0.042 | Revisions Net=+2 | Analysts=2
EPS next Year (2026-12-31): EPS=2.46 | Chg30d=+0.205 | Revisions Net=+1 | Growth EPS=+34.9% | Growth Revenue=+4.7%