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PRA Group, Inc. (PRAA)

Profile

Full Name

PRA Group, Inc.

Ticker

NASDAQ: PRAA

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

November 8, 2002

Indexes

Not included

Website

https://www.pragroup.com

Employees

2991

Key Details

Price

$16.82(-2.89%)

Market cap

$657.22M(Small cap)

Last Dividend

$0.33

TTM Dividend yield

-

Annual revenue

$1.14B(+37.62% YoY)

Annual EPS

$1.79(+184.04% YoY)

PE ratio

7.22

Next earnings date

Nov 3, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $16.82
    PRAA price is $16.82

    30-Day Relative Volume

    0.65
    PRAA 30-day relative volume is 0.65

    Price Performance

    Price Most recent change

    -2.89%
    PRAA price was down -2.89% on Sep 12, 2025

    Price YTD change

    -19.48%
    PRAA price is down -19.48% since January 1st

    Price 1-year change

    -16.82%
    PRAA price is down -16.82% year-on-year

    Price 3-year change

    -53.59%
    PRAA price is down -53.59% over the past 3 years

    Price Range

    Price All-time high

    $65.00
    PRAA price is currently -74.12% below its historical high of $65.00

    Price 3-year low

    $11.85
    PRAA price is currently +41.94% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $657.22M
    PRAA market capitalization is $657.22 million

    Market cap 3-year change

    -53.47%
    PRAA market capitalization is down -53.47% over the past 3 years

    Market cap All-time high

    $3.20B
    PRAA market capitalization is currently -79.45% below its historical high of $3.20 billion

    Market cap sector rank

    55.25%
    PRAA market capitalization is higher than 55.25% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -0.87%
    PRAA shares outstanding is down -0.87% year-on-year

    Shares Outstanding 3-Year Change

    +0.25%
    PRAA shares outstanding is up +0.25% over the past 3 years

    Technical Indicators

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    Beta

    1.46
    PRAA beta is 1.46

    200-day SMA

    $18.25
    PRAA price is currently -7.82% below its 200-day simple moving average

    50-day SMA

    $16.19
    PRAA price is currently +3.91% above its 50-day simple moving average

    RSI

    52.47
    PRAA 14-day relative strength index is 52.47

    Volume

    0.65
    PRAA 30-day relative volume is 0.65

    ATR

    $0.52
    PRAA average true range is $0.52

    10-day Historical Volatility

    29.26%
    PRAA 10-day historical volatility is 29.26%

    Dividend

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    Events

    Last Paid Dividend

    $0.33
    PRAA last dividend was $0.33 per share, with an ex-dividend date of May 7, 2007

    Next Dividend

    -
    PRAA next dividend has not yet been announced

    Dividend per share

    Dividend per share

    -
    PRAA annual dividend per share value is unknown

    Dividend per share Sector Rank

    -
    PRAA annual dividend per share is unknown

    Dividend per share 1-Year Change

    -
    PRAA annual dividend per share 1-year change is unknown

    Dividend per share 3-Year Change

    -
    PRAA annual dividend per share 3-year change is unknown

    Dividend yield

    Dividend yield

    -
    PRAA annual dividend yield value is unknown

    Dividend yield Sector Rank

    -
    PRAA annual dividend yield is unknown

    Other

    Payout ratio

    0.00%
    PRAA annual payout ratio is 0.00%

    Dividends paid

    $0.00
    PRAA annual dividends paid is $0.00

    Free cash flow

    -$98.64M
    PRAA annual free cash flow is -$98.64 million

    Income Statement

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    Revenue

    Revenue

    $1.14B
    PRAA annual revenue is $1.14 billion

    Revenue Analysts estimate

    $1.15B
    PRAA annual revenue is currently -1.12% lower than the consensus analysts' forecast

    Revenue 1-year change

    +37.62%
    PRAA annual revenue is up +37.62% year-on-year

    Revenue Sector rank

    79.38%
    PRAA annual revenue is higher than 79.38% of companies in Financial Services sector

    EPS

    EPS

    $1.79
    PRAA annual earnings per share is $1.79

    EPS Analysts estimate

    $1.87
    PRAA annual earnings per share is currently -4.28% lower than the consensus analysts' forecast

    EPS 1-year change

    +184.04%
    PRAA annual earnings per share is up +184.04% year-on-year

    EPS Sector rank

    64.44%
    PRAA annual earnings per share is higher than 64.44% of companies in Financial Services sector

    Profit

    Gross profit

    $777.57M
    PRAA annual gross profit is $777.57 million

    Gross margin

    68.43%
    PRAA annual gross profit margin is 68.43%

    Operating profit

    $367.14M
    PRAA annual operating income is $367.14 million

    Operating margin

    32.31%
    PRAA annual operating profit margin is 32.31%

    Net income

    $88.57M
    PRAA annual net profit is $88.57 million

    Net margin

    7.79%
    PRAA annual net profit margin is 7.79%

    Expenses

    Total expenses

    $1.07B
    PRAA annual total expenses is $1.07 billion

    Operating expenses

    $410.43M
    PRAA annual total operating expenses is $410.43 million

    Cost of goods sold

    $358.75M
    PRAA annual cost of goods sold is $358.75 million

    Selling, general & administrative expenses

    $0.00
    PRAA annual SGA is $0.00

    Depreciation and amortization

    $10.79M
    PRAA annual depreciation & amortization is $10.79 million

    Interest expense

    $260.91M
    PRAA annual interest expense is $260.91 million

    Income tax

    $21.03M
    PRAA annual income tax is $21.03 million

    EBIT & EBITDA

    EBIT

    $367.14M
    PRAA annual earnings before interest & taxes is $367.14 million

    EBITDA

    $377.93M
    PRAA annual EBITDA is $377.93 million

    Balance Sheet

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    Assets

    Total assets

    $4.93B
    PRAA annual total assets is $4.93 billion

    Non current assets

    $609.15M
    PRAA annual long term assets is $609.15 million

    Current assets

    $4.27B
    PRAA annual total current assets is $4.27 billion

    Cash and cash equivalents

    $107.43M
    PRAA annual cash & cash equivalents is $107.43 million

    Accounts receivable

    $4.14B
    PRAA annual accounts receivable is $4.14 billion

    Inventory

    $0.00
    PRAA annual inventory is $0.00

    Liabilities

    Total liabilities

    $3.74B
    PRAA annual total liabilities is $3.74 billion

    Long term liabilities

    $211.08M
    PRAA annual total long term liabilities is $211.08 million

    Current liabilities

    $188.99M
    PRAA annual total current liabilities is $188.99 million

    Accounts payable

    -
    PRAA annual accounts payable value is unknown

    Debt

    Total debt

    $3.53B
    PRAA annual total debt is $3.53 billion

    Total debt 1-year change

    +14.49%
    PRAA annual total debt is up +14.49% year-on-year

    Long term debt

    $3.34B
    PRAA annual long term debt is $3.34 billion

    Short term debt

    $182.60M
    PRAA annual short term debt is $182.60 million

    Equity & Capital

    Shareholders equity

    $1.14B
    PRAA annual stockholders equity is $1.14 billion

    Book value

    $1.14B
    PRAA annual book value is $1.14 billion

    Retained earnings

    $1.56B
    PRAA annual retained earnings is $1.56 billion

    Working capital

    $4.08B
    PRAA annual working capital is $4.08 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    -$94.59M
    PRAA annual cash flow from operations is -$94.59 million

    Cash from operations 1-year change

    +3.02%
    PRAA annual cash flow from operations is up +3.02% year-on-year

    Cash from investing

    -$380.07M
    PRAA annual cash flow from investing activities is -$380.07 million

    Cash from investing 1-year change

    -61.83%
    PRAA annual cash flow from investing activities is down -61.83% year-on-year

    Cash from financing

    $488.44M
    PRAA annual cash flow from financing activities is $488.44 million

    Cash from financing 1-year change

    +37.47%
    PRAA annual cash flow from financing activities is up +37.47% year-on-year

    CAPEX

    CAPEX

    $4.04M
    PRAA annual capital expenditures is $4.04 million

    CAPEX 1-year change

    +40.11%
    PRAA annual capital expenditures is up +40.11% year-on-year

    Free Cash Flow

    Free cash flow

    -$98.64M
    PRAA annual free cash flow is -$98.64 million

    Free cash flow 1-year change

    +1.78%
    PRAA annual free cash flow is up +1.78% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    68.43%
    PRAA annual gross profit margin is 68.43%

    Operating margin

    32.31%
    PRAA annual operating profit margin is 32.31%

    Net margin

    7.79%
    PRAA annual net profit margin is 7.79%

    ROA & ROE

    ROA

    1.87%
    PRAA annual return on assets is 1.87%

    ROE

    7.28%
    PRAA annual return on equity is 7.28%

    Valuation

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    PE Ratio

    PE ratio

    7.22
    PRAA price to earnings ratio is 7.22

    PE ratio Sector rank

    5.6%
    PRAA price to earnings ratio is higher than 5.6% of companies in Financial Services sector

    PB Ratio

    PB ratio

    0.49
    PRAA price to book ratio is 0.49

    PB ratio Sector rank

    9.25%
    PRAA price to book ratio is higher than 9.25% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.55
    PRAA price to sales ratio is 0.55

    PS ratio Sector rank

    7.38%
    PRAA price to sales ratio is higher than 7.38% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $4.33B
    PRAA enterprise value is $4.33 billion

    Enterprise value Sector rank

    75.56%
    PRAA enterprise value is higher than 75.56% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    10.87
    PRAA EV/EBITDA is 10.87

    EV/EBITDA Sector rank

    73.63%
    PRAA EV/EBITDA is higher than 73.63% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    22.58
    PRAA annual current ratio is 22.58

    Quick ratio

    22.58
    PRAA annual quick ratio is 22.58

    Leverage

    Debt to equity

    3.11
    PRAA annual debt to equity ratio is 3.11

    Interest coverage ratio

    1.41
    PRAA annual interest coverage ratio is 1.41

    Risk & Stability

    Piotroski F-Score

    6
    PRAA piotroski f-score is 6

    Altman Z-Score

    2.02
    PRAA altman z-score is 2.02

    Analyst ratings

    Recent major analysts updates

    Aug 5, 25 JMP Securities
    Market Outperform
    May 6, 25 JMP Securities
    Market Outperform
    Nov 5, 24 Truist Securities
    Buy
    Aug 20, 24 Truist Securities
    Buy
    May 7, 24 JMP Securities
    Market Outperform
    Feb 16, 24 JMP Securities
    Market Outperform
    Jun 8, 23 JMP Securities
    Market Outperform
    May 11, 23 JMP Securities
    Outperform
    May 9, 23 Truist Securities
    Buy
    May 9, 23 JMP Securities
    Outperform

    Institutional Ownership

    Screeners with PRAA included

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    • What is the ticker symbol for PRA Group, Inc.?
    • Does PRA Group, Inc. pay dividends?
    • What sector is PRA Group, Inc. in?
    • What industry is PRA Group, Inc. in?
    • What country is PRA Group, Inc. based in?
    • When did PRA Group, Inc. go public?
    • Is PRA Group, Inc. in the S&P 500?
    • Is PRA Group, Inc. in the NASDAQ 100?
    • Is PRA Group, Inc. in the Dow Jones?
    • When was PRA Group, Inc.'s last earnings report?
    • When does PRA Group, Inc. report earnings?

    What is the ticker symbol for PRA Group, Inc.?

    The ticker symbol for PRA Group, Inc. is NASDAQ:PRAA

    Does PRA Group, Inc. pay dividends?

    No, PRA Group, Inc. does not pay dividends

    What sector is PRA Group, Inc. in?

    PRA Group, Inc. is in the Financial Services sector

    What industry is PRA Group, Inc. in?

    PRA Group, Inc. is in the Credit Services industry

    What country is PRA Group, Inc. based in?

    PRA Group, Inc. is headquartered in United States

    When did PRA Group, Inc. go public?

    PRA Group, Inc.'s initial public offering (IPO) was on November 8, 2002

    Is PRA Group, Inc. in the S&P 500?

    No, PRA Group, Inc. is not included in the S&P 500 index

    Is PRA Group, Inc. in the NASDAQ 100?

    No, PRA Group, Inc. is not included in the NASDAQ 100 index

    Is PRA Group, Inc. in the Dow Jones?

    No, PRA Group, Inc. is not included in the Dow Jones index

    When was PRA Group, Inc.'s last earnings report?

    PRA Group, Inc.'s most recent earnings report was on August 4, 2025

    When does PRA Group, Inc. report earnings?

    The next expected earnings date for PRA Group, Inc. is November 3, 2025
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