PRA Group, Inc.
PRAA · Price history
Price at last available close
$19.79
+$0.35 (+1.80%) 1M
2026-10-29
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About PRA Group, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
PRA Group, Inc. is a global financial services company that acquires and collects nonperforming loan portfolios. The company purchases portfolios of defaulted consumer debt from banks and other creditors at a discount to the face value and subsequently recovers the debt through internal collection operations, legal processes, or by outsourcing to third-party agencies.
Products & services
Acquisition and servicing of nonperforming consumer loan portfolios, including credit card debt, auto loans, and other consumer credit obligations.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose specific major customers due to the nature of its business, which involves purchasing thousands of individual loan accounts from various financial institutions.
Suppliers, materials & equipment
- Third-party collection agencies — External agencies contracted to assist in the collection of nonperforming loan portfolios.Source
Competitors
- Encore Capital Group, Inc. — A global specialty finance company that provides debt recovery solutions and other services for consumers across a broad range of assets.Source
- Portfolio Recovery Associates, LLC (internal segment) — The company competes with various regional and national debt buyers and collection agencies in the United States and international markets.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
32
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
38
Poor
Financial Strength
22
Business Quality / Moat
41
Management
60
Growth Quality
47
Risk / Durability
24
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
48
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
60/100
Building Historical Record
Model Score 60/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently moderate.
- •Recent buyback activity is present
- •Debt service risk
- •M&A headline · Oct 23, 2026
- •Repurchase headline · Sep 28, 2026
- •Repurchase headline · Sep 27, 2026
- •Valuation is a weaker part of the current profile
Company-specific research
Questions worth answering for PRAA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PRAA maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can PRAA fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •How is PRAA likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •What specifically needs to improve for PRAA to reach sustainable profitability?
- •What future growth or profitability would be needed to justify PRAA's current valuation?
Essential Investment Snapshot
Wall Street Score
32
Opportunity Score
48
Market Cap
$744.5M
P/E Ratio
-3.0
EPS
$-6.71
52-Week High
$22.55
52-Week Low
$10.25
Beta
1.13
Analyst Target
$25.00
Shares Outstanding
39.2M
Total Revenue
$1.36B
Total Debt
$30.7M
Dividend
No current dividend
Liquidation Value / Share
$28.41
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for PRAA
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~1.7x). Earnings may be strained to cover interest expense.
M&A headline · Oct 23, 2026
Bolt Biotherapeutics Announces Acquisition of Prana Therapies and $120 Million Concurrent Private Placement to Advance PRA-216 in Multiple High-Value Inflammatory Indications — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireRepurchase headline · Sep 28, 2026
PRA Group Highlights Strong NPL Supply, Cost Cuts and $150M Buyback Plan — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldRepurchase headline · Sep 27, 2026
PRA Group Highlights Strong NPL Supply, Cost Cuts and $150M Buyback Plan — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
MarketBeatCommunity Sentiment
0 active · 0 total callsNo personal call yet on PRAA.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Extensive data analytics capabilities for portfolio valuation.
- +Long-standing relationships with major financial institutions.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory and legislative changes affecting debt collection practices.
- −Economic downturns impacting consumer ability to repay debt.
- −Negative free cash flow may increase the need for outside financing and dilution.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
32
Oct 1, 2026
Change
-0.1
points
Current Score
32
Oct 15, 2026
Category Changes
PRAA decreased 0.1 points because some fundamentals weakened.
Projected Score
Projected Score
41
Projected Change
+9.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 9.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$19.78
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.36B | $1.24B | $1.12B | $815.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | -$99.3M | $10.4M | $438.2M | $399.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.46B | $1.23B | $685.7M | $416.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $194.0M | $0.00 | $325.0M | $267.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $936.9M | $809.1M | $345.9M | $315.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $157.7M | $19.0M | $209.1M | $10.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $526.3M | $420.7M | $339.7M | $100.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $223.3M | $251.8M | $88.7M | $74.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$188.9M | -$243.2M | $109.6M | -$82.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $65.2M | $46.7M | $21.0M | -$16.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$265.0M | -$305.1M | $70.6M | -$83.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-6.71 | $-7.79 | $1.79 | $-2.13 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 38.10M | 39.17M | 39.38M | 39.18M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 38.30M | 39.17M | 39.54M | 39.18M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$372.2M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.51
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-99.2%
Cash Change
+0.6%
Margin Change
+1.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
- Debt reduced
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 28.0%. EPS increased 39.8%. Cash increased 0.6%. Total debt declined 99.2%. Net income margin improved by 1.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
Bolt Biotherapeutics Announces Acquisition of Prana Therapies and $120 Million Concurrent Private Placement to Advance PRA-216 in Multiple High-Value Inflammatory Indications
PRA Group to Announce Third Quarter 2026 Results on November 5
PRA Group (NASDAQ: PRAA) issues $400 million notes to repay borrowings
PRA Group (NASDAQ:PRAA) Shares Gap Down – Here’s Why
Rumor Mill · PRAA
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial