PRA Group, Inc. (NASDAQ: PRAA) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | - | EPS (ttm) | -6.73 | Insider Own | 6.79% | Shs Outstand | 38.14M | Perf Week | 10.94% |
| Market Cap | 800.96M | Forward P/E | 5.79 | EPS next Y | 3.63 | Insider Trans | 0.00% | Shs Float | 33.44M | Perf Month | 8.02% |
| Enterprise Value | 4.25B | PEG | - | EPS next Q | 0.80 | Inst Own | - | Short Float | 2.87% | Perf Quarter | 40.56% |
| Income | -265.00M | P/S | 0.59 | EPS this Y | 149.83% | Inst Trans | - | Short Ratio | 1.68 | Perf Half Y | 18.18% |
| Sales | 1.36B | P/B | 0.57 | EPS next Y | 8.25% | ROA | -5.06% | Short Interest | 959.19K | Perf YTD | 18.71% |
| Book/sh | 36.63 | P/C | 4.09 | EPS next 5Y | 8.25% | ROE | -26.80% | 52W High | 22.55 -6.87% | Perf Year | 25.75% |
| Cash/sh | 5.14 | P/FCF | - | EPS past 3/5Y | - | ROIC | 221.19% | 52W Low | 10.25 104.88% | Perf 3Y | 1.20% |
| Dividend Est. | - | EV/EBITDA | 26.72 | Sales past 3/5Y | 8.64% 3.09% | Gross Margin | - | Volatility | 4.64% 3.79% | Perf 5Y | -48.73% |
| Dividend TTM | - | EV/Sales | 3.12 | EPS Y/Y TTM | -475.98% | Oper. Margin | 38.59% | ATR (14) | 0.84 | Perf 10Y | -36.15% |
| Dividend Ex-Date | May 07, 2007 | Quick Ratio | 1.98 | Sales Y/Y TTM | 21.26% | Profit Margin | -19.43% | RSI (14) | 67.06 | Recom | 2.62 |
| Dividend Gr. 3/5Y | - | Current Ratio | 1.98 | EPS Q/Q | 39.81% | SMA20 | 8.39% | Beta | 1.08 | Target Price | 25.00 |
| Payout | 0.00% | Debt/Eq | 0.03 | Sales Q/Q | 27.84% | SMA50 | 12.15% | Rel Volume | 1.95 | Prev Close | 20.57 |
| Employees | 2,417 | LT Debt/Eq | 2.82 | Earnings | Nov 09 | SMA200 | 22.15% | Avg Volume | 432.92K | Price | 21.00 |
| IPO Date | Nov 08, 2002 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 187.62% 24.06% | Net Debt/EBITDA | -0.65 | Volume | 846,318 | Change | 2.09% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jan-28-26 | Downgrade | Citizens JMP | Mkt Outperform → Mkt Perform | |
| Jan-28-26 | Downgrade | Citizens | Market Outperform → Market Perform | |
| Nov-04-25 | Reiterated | Truist Securities | Buy | $28 → $26 |
| Aug-05-25 | Reiterated | JMP Securities | Market Outperform | $42 → $24 |
| Aug-20-24 | Reiterated | Truist Securities | Buy | $28 |
| Jan-13-23 | Reiterated | JMP Securities | Market Outperform | $42 |
| May-08-20 | Upgrade | JMP Securities | Market Perform → Market Outperform | |
| Apr-13-20 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Feb-28-18 | Upgrade | Raymond James | Underperform → Market Perform | |
| Nov-09-17 | Upgrade | Janney Capital | Sell → Neutral |
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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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,363 | 1,240 | 1,124 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | -100 | 10 | 438 | — | — | — | — | — | — | |
| Gross Profit | 1,463 | 1,230 | 686 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 194 | 0 | 325 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 743 | 809 | 21 | — | — | — | — | — | — | |
| Operating Income | 526 | 421 | 340 | — | — | — | — | — | — | |
| Interest Expense | 223 | 252 | 89 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | -491 | -412 | -141 | — | — | — | — | — | — | |
| Net Income Before Taxes | -189 | -243 | 110 | — | — | — | — | — | — | |
| Income Taxes | 65 | 47 | 21 | — | — | — | — | — | — | |
| Consolidated Net Income | -265 | -305 | 71 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | -254 | -290 | 89 | — | — | — | — | — | — | |
| Net Income | -265 | -305 | 71 | — | — | — | — | — | — | |
| EPS (Recurring) | -6.71 | -7.79 | 1.79 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | -6.71 | -7.79 | 1.79 | — | — | — | — | — | — | |
| EPS (Diluted) | -6.73 | -7.79 | 1.79 | — | — | — | — | — | — | |
| EBITDA | 159 | 19 | 209 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | — | — | 11.67 | — | — | — | — | — | — | |
| Price To Sales Ratio | 0.59 | 0.56 | 0.72 | — | — | — | — | — | — | |
| Gross Margin | 107.34 | 99.19 | 61.03 | — | — | — | — | — | — | |
| Operating Margin | 38.59 | 33.95 | 30.25 | — | — | — | — | — | — | |
| Net Margin | -19.44 | -24.60 | 6.32 | — | — | — | — | — | — | |
| Shares Outstanding | 38 | 39 | 39 | — | — | — | — | — | — | |
| Market Capitalization | 798 | 690 | 815 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Olsen Geir | Director | Nov 06 '25 | Buy | 14.15 | 15,000 | 212,250 | 58,933 | Nov 10 |
| Paschke Brett Lee | Director | May 07 '25 | Buy | 13.39 | 5,000 | 66,950 | 30,056 | May 09 |
| Olsen Geir | Director | May 07 '25 | Buy | 13.59 | 18,230 | 247,746 | 43,933 | May 09 |
| Olsen Geir | Director | Aug 07 '24 | Buy | 21.39 | 11,750 | 251,333 | 11,750 | Aug 09 |
| Atal Vikram A | President and CEO | Apr 15 '24 | Sale | 24.39 | 5,830 | 142,194 | 155,625 | Apr 17 |
| FREDRICKSON STEVEN D | Director | Aug 29 '23 | Buy | 19.31 | 26,000 | 502,060 | 139,709 | Aug 30 |
| Connelly Marjorie Mary | Director | Jun 02 '23 | Buy | 20.20 | 7,425 | 149,985 | 29,512 | Jun 06 |
| Atal Vikram A | President and CEO | May 18 '23 | Buy | 18.81 | 40,000 | 752,250 | 20,000 | May 19 |
| TABAKIN SCOTT M | Director | May 17 '23 | Buy | 19.07 | 12,000 | 228,840 | 72,894 | May 19 |
| Paschke Brett Lee | Director | May 17 '23 | Buy | 18.91 | 7,500 | 141,825 | 12,250 | May 19 |
| FREDRICKSON STEVEN D | Director | Feb 28 '23 | Sale | 42.52 | 10,000 | 425,168 | 103,920 | Mar 02 |
| Roberts Steven C | EVP, Global Operations Officer | Feb 28 '23 | Sale | 42.00 | 3,380 | 141,960 | 49,899 | Mar 01 |
| FREDRICKSON STEVEN D | Director | Feb 02 '23 | Sale | 41.04 | 5,000 | 205,200 | 113,920 | Feb 06 |
| FREDRICKSON STEVEN D | Director | Jan 31 '23 | Sale | 40.00 | 1,000 | 40,000 | 118,920 | Feb 02 |
| FREDRICKSON STEVEN D | Director | Jan 25 '23 | Sale | 40.00 | 4,000 | 160,000 | 119,920 | Jan 27 |