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PRA GROUP INC

PRAANASDAQ
πŸ† #2699 by market capUS Equity
$257.38β–² $5.89 (+2.29%)
Simulated price
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24hβ–² 2.3%
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🏦Market Cap
$732M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+17.6%
Healthy
πŸ“ŠGross Margin
81.2%
High
πŸ’΅FCF Margin
1.8%
Thin
βš–οΈP/S Ratio
0.6x
Cheap
Otter Score
84
Good
No chart data available for PRAA.

Trading Snapshot

Day Range
$253.56 – $261.72
52-Week Range
$10.25 – $22.55
Volume
$2.22B
Avg Volume
$1.54B
Shares Outstanding
38.1M
Next Earnings
Nov 28, 2026

Fundamentals Snapshot

Annual Revenue
$1.24B
Last Q Revenue
$372M
P/E Ratio
β€”
P/S Ratio
0.6x
EPS (TTM)
$-6.73
Dividend Yield
β€”
Dilution (1yr)
βˆ’1.3%

Why Investors Own PRAA

  • βœ“High-growth profile β€” revenue up +10.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 68% gross margin and 14% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PRAA logo

PRA GROUP INC

PRAA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.2Bβ–² +10.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
99.2%β–² +62.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$421Mβ–² +23.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$90Mβ–Ό βˆ’8.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
39.2Mβ–Ό βˆ’1.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$72Mβ–² +$3.3B YoY
StockOtter Β· stockotter.space

About PRA GROUP INC

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$249.27
β–Ό βˆ’3.2% Downside
High Target$279.93
Low Target$195.93
Based on 10 analysts

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