PRA Group, Inc. (PRAA) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
PRA Group, Inc. reported revenue of $1.24B in the most recent fiscal year, growing at a 5-year CAGR of 3.1%.
Trailing-twelve-month margins: gross margin 107.3%, operating margin 38.6%, net margin -19.4%.
At the current price of $20.07, PRAA has negative trailing earnings (P/E not meaningful) and an ROE of -26.80%. Market capitalisation stands at $765M.
Balance sheet quality for PRAA: current ratio of 1.7, net cash position of $72.2M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Price
| Price | $20.07 |
| Market Cap | $765M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| Price / Book | 0.73 |
| EV / EBITDA | 3.93 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -26.80% |
| Return on Invested Capital | 221.19% |
| Return on Assets | -5.06% |
| Gross Margin | 107.28% |
| Operating Margin | 38.59% |
| Net Margin | -19.43% |
Financial Health
| Debt / Equity | 0.03 |
| Current Ratio | 1.98 |
| Piotroski F-Score | 5 |
| Altman Z-Score | 0.97 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PRAA | PRA Group, Inc. | $765M | 0.73 | -26.8% | |
| V | Visa Inc. | $692.5B | 31.40 | 20.10 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.8B | |||
| MA | Mastercard Incorporated | $497.9B | 31.40 | 89.89 | 193.5% |
| AXP | American Express Company | $211.0B | 19.13 | 6.24 | 34.1% |
| 0HT4.L | Capital One Financial Corporation | $127.2B | 57.22 | 1.10 | 2.2% |
| COF | Capital One Financial Corporation | $124.7B | 12.28 | 1.08 | 9.3% |
| 0R3C.L | American Express Company | $112.9B | 19.67 | 6.42 | 34.1% |
Price Performance
| 1 month | +1.51% |
| 3 months | +33.51% |
| Year-to-date | +12.76% |
| 1 year | +19.44% |
| 3 years | -3.87% |
| 5 years | -51.06% |
52-Week Range
| 52-week High | $22.55 |
| 52-week Low | $10.25 |
| Avg Volume (90d) | 567K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2007-05-07 | $1.0000 | 19.93% |
Related companies: ACIC · BWB · DGICA · FUFU · GAIN · GAM · GDOT
Explore sector: Financial Services · Financial - Credit Services
More sections of PRAA: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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