PRA Group, Inc. (PRAA)

NASDAQ: PRAA · USD

$19.4

+0.22 (+1.1%)· Recorded snapshot

Market cap	731.1M
Revenue (ttm)	1.3B
Net income (ttm)	-265M
EPS (ttm)	-$6.87
Shares out	37.6M
P/E (forward)	5.8x
Volume	316,816
Beta	1.13

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): -265M
EPS (ttm): -$6.87
P/E (forward): 5.8x
Market cap: 731.1M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E5.8

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-20.2

P25 n/aP50 n/aP75 n/a

ROIC10.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PRAA indicators

Market & fundamental data

Available fields

243

Groups with data

Currency

USD

Showing 243 of 243 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001185348
Company name	PRA Group, Inc.
Country	United States
Country code	US
CUSIP number	69354N106
Earnings date	2026-11-05
Earnings time	amc
Employees	2,417
Employees change	-480
Employees growth	-16.57%
Enterprise value	$4.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1996
In index	RUSSELL2000
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US69354N1063
Last 10-K release date	2026-03-02
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2013-08-02
Last stock split type	Forward
Market cap	$731.1M
Market cap category	Small-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$19.42
Price currency	USD
Sector	Financials
SIC code	6153
Stock price date	2026-10-28
Symbol	PRAA
U.S. state	Virginia
Website	https://www.pragroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	4.59x
Average P/E ratio (10Y)	21.87x
Earnings yield	-35.38%
EV/EBIT	9.11x
EV/EBITDA	8.98x
EV/Sales	3.29x
FCF / EV yield	-0.86%
FCF yield	-5.24%
Forward EV/Sales	3.55x
Forward P/E	5.76x
Forward P/S	0.59x
Industry forward P/E	19.57x
Industry P/E	22.74x
P/B ratio	0.69x
P/S ratio	0.54x
Price / tangible book value	0.71x
Price/EBITDA ratio	1.48x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	36.1%
EBITDA margin	36.64%
Gross margin	100%
Operating margin	36.1%
Pretax margin	-14.19%
Profit margin	-19.91%
Profit per employee	$-109,660
Profitable quarters	3
Revenue per employee	$550,781
ROA	5.63%
ROA (5Y)	4.06%
ROCE	9.69%
ROE	-20.25%
ROE (5Y)	-0.09%
ROIC	10.09%
ROIC (5Y)	6.13%
SBC / revenue	1.26%
Tax / revenue	4.89%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (Q)	40.13%
EPS growth (QoQ)	106.85%
EPS growth quarters	3
EPS growth years	0
Gross profit growth	17.6%
Gross profit growth (Q)	29.37%
Gross profit growth 3Y	16.94%
Gross profit growth 5Y	3.57%
Net income growth (Q)	36.68%
Net income growth (QoQ)	105.31%
Net income growth quarters	3
Net income growth years	0
Operating income growth	39.79%
Operating income growth (Q)	80.1%
Operating income growth 3Y	50.13%
Operating income growth 5Y	4.11%
Revenue growth	17.6%
Revenue growth (Q)	29.37%
Revenue growth (QoQ)	18.33%
Revenue growth 10Y	3.84%
Revenue growth 3Y	16.94%
Revenue growth 5Y	3.57%
Revenue growth quarters	10
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-6.5M
Depreciation and amortization	$7.2M
EBIT	$480.6M
EBITDA	$487.8M
EPS	$-6.87
FCF per share	$-1.01
Financing cash flow	$65.2M
Free cash flow	$-37.8M
Free cash flow minus SBC	$-54.6M
Gross profit	$1.3B
Income taxes	$65.2M
Investing cash flow	$-58M
Net borrowing	$185.1M
Net cash flow	$361,000
Net income	$-265M
Operating cash flow minus SBC	$-48.2M
Operating income	$480.6M
Revenue	$1.3B
Stock-based compensation	$16.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.08
Book value per share	$27.77
Debt / EBITDA	7.55
Debt / equity	3.41
Goodwill	$26.9M
Interest coverage	1.79
Long-term assets	$287.3M
Long-term liabilities	$3.8B
Net cash (debt)	$-3.7B
Net cash / market cap	-506.25%
Net debt / EBITDA	7.5
Net debt / equity	3.29
Piotroski F-Score	4
Property, plant and equipment	$50M
Shareholders' equity	$1.1B
Tangible book value	$1B
Tangible book value per share	$27.06
Total assets	$5.2B
Total cash	$137M
Total debt	$3.8B
Total liabilities	$4.1B
WACC	6.37%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.25
Current assets	$5B
Current liabilities	$278.6M
Current ratio	17.77
Net working capital	$4.5B
Quick ratio	17.5
Working capital	$4.7B
Working capital turnover	0.29

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.5%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.33
Shareholder yield	2.5%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-38.86%
10Y return CAGR	-4.8%
10Y total return	-38.86%
150-day SMA	$18.48
15Y price change	-18.15%
15Y return CAGR	-1.33%
15Y total return	-18.15%
1D price change	1.15%
1M price change	-6.73%
1M total return	-6.73%
1W price change	-2.83%
1W total return	-2.83%
1Y price change	30.22%
1Y return CAGR	30.25%
1Y total return	30.22%
20-day SMA	$19.70
200-day SMA	$17.55
20Y price change	33.17%
20Y return CAGR	1.54%
20Y total return	35.65%
3M price change	7.54%
3M total return	7.54%
3Y price change	53.1%
3Y return CAGR	15.25%
3Y total return	53.1%
50-day SMA	$19.62
50-day SMA vs 200-day SMA	50over200
52-week high	$22.55
52-week high date	2026-05-01
52-week low	$10.25
52-week low date	2026-02-23
5Y price change	-53.47%
5Y return CAGR	-14.19%
5Y total return	-53.47%
6M price change	-12.22%
6M total return	-12.22%
All-time high	$65.00
All-time high date	2014-11-05
All-time low	$4.92
All-time low date	2002-11-08
Average true range (ATR)	$0.79
Average volume	384.3K
Beta (1Y)	0.27
Beta (2Y)	0.91
Beta (5Y)	1.13
Change from 52-week high	-13.88%
Change from 52-week low	89.46%
Change from all-time high	-70.37%
Change from all-time low	291.7%
Change from open	0.78%
Day's gap	0.36%
Dollar volume	$6.2M
High price	$19.45
Low price	$19.18
Monthly RSI	50.16
Open price	$19.27
Position in 52-week range	88.89%
Premarket change	-0.26%
Premarket close	$19.20
Premarket price	$19.15
Premarket volume	878
Previous close	$19.20
Price vs 150-day SMA	4.24%
Price vs 20-day SMA	-2.25%
Price vs 200-day SMA	9.74%
Price vs 50-day SMA	-1.81%
Relative volume	0.82
RSI	45.65
Sharpe ratio	0.67
Sharpe ratio (3Y)	0.38
Sharpe ratio (5Y)	-0.12
Sortino ratio	1.11
Sortino ratio (3Y)	0.65
Sortino ratio (5Y)	-0.06
Volume	316.8K
Weekly RSI	52.55
YTD price change	8.88%
YTD total return	8.88%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	32.8M
Float percentage	87.14%
Shares change (QoQ)	-0.54%
Shares change (YoY)	-2.5%
Shares held by insiders	2.6%
Shares held by institutions	85.26%
Shares outstanding	37.6M
Short % of float	2.75%
Short % of shares	2.39%
Short ratio	1.8 days

Deeper analysis on PRAA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this PRAA report

Is a complete PRAA research report available?

No complete published report is available for PRA Group, Inc. (PRAA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

PRA Group, Inc. (PRAA)

Price

Financial snapshot

Fair-value bridge

Latest news · PRAA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PRAA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PRAA

Frequently asked questions