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PRA Group Inc.

PRAA | NASDAQ
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$20.60
-$0.40 (-1.90%)
At close: Sep 21, 2026, 4:00 PM ET
$20.60
$0 (0.00%)
After-hours: Sep 21, 2026, 7:30 PM ET

Market Data

Market Cap
$800.96M
Enterprise Value
$683.95M
Beta
1.11
Average Volume
571.96K
Shares Outstanding (Diluted)
38.41M
Shares Change YoY
-2.86%
Institutional Ownership
97.96%
Exchange
NASDAQ
ISIN
US69354N1063

Price Performance

Price Change 1M
3.6%
Price Change 3M
17.1%
Price Change 6M
15.5%
Price Change YTD
17.9%
Price Change 1Y
23.4%
Price Change 3Y
13.3%
Price Change 5Y
-49.6%
1M CAGR (ann.)
15.7%
1Y CAGR (ann.)
25.8%
5Y CAGR (ann.)
-12.5%
All-Time CAGR
2.0%

Valuation

PE Ratio
-3.06
Forward PE
6.82
PEG Ratio
0.01
Forward PEG
-0.38
PS Ratio
0.58
Forward PS
0.60
PB Ratio
0.75
P/FCF Ratio
-20.76
P/Adj. FCF Ratio
-14.39
P/OCF Ratio
-25.12
EV/Sales
0.50
EV/EBIT
-77.47
EV/EBITDA
27.68
EV/FCF
-18.07
Earnings Yield
-32.7%
FCF Yield
-4.8%
Adj. FCF Yield
-7.0%

Financial Health

Net Cash
$101.75M
Total Debt
$30.68M
Cash & Short-Term Investments
$132.43M
Total Assets
$5.24B
Current Ratio
1.98
Quick Ratio
1.98
Debt / Equity Ratio
0.03
Debt / EBITDA
1.24
Debt / FCF
-0.81
OCF / Debt
-1.02
Interest Coverage
2.36
Altman Z-Score
0.74
Piotroski F-Score
5

Margins & Profitability

Gross Profit Margin
107.3%
Operating Profit Margin
38.6%
EBITDA Margin
11.6%
Net Profit Margin
-19.4%
FCF Margin
-2.8%
Adj. FCF Margin
-4.0%
SBC / Revenue
1.2%
SBC Impact (per share)
-44.3%

Returns

Return on Assets
-5.1%
Return on Equity
-26.8%
Return on Invested Capital
221.2%
Return on Capital Employed
10.2%
Return on Tangible Assets
-5.1%

Historical Growth (CAGR)

Revenue CAGR 3Y
17.4%
Revenue CAGR 5Y
4.1%
Revenue CAGR 10Y
4.1%
EPS CAGR 3Y
-238.1%
EPS CAGR 5Y
-608.6%
EPS CAGR 10Y
-51.4%
FCF CAGR 3Y
57.2%
FCF CAGR 5Y
-26.3%
FCF CAGR 10Y
-192.2%

Analyst Forecasts

Analyst Rating
Hold
Analyst Count
13
EPS Growth Next 3Y
N/A
Revenue Growth Next 3Y
N/A
Earnings Date
Nov 8, 2026
EPS Estimate (next Q)
$0.80
EPS Growth Est (next Q)
-92.3%
Revenue Est (next Q)
$307.4M
Revenue Growth Est (next Q)
-1.2%

Fair Value Estimates

Graham Number
N/A
Graham Upside
N/A
Lynch Fair Value
N/A
Lynch Upside
N/A
Price Target
$25
Price Target Upside
21.4%

Cash Flow

Operating Cash Flow
$-31.4M
Free Cash Flow
$-37.85M
Adj. Free Cash Flow
$-54.61M
FCF Per Share
-$0.99
OCF Per Share
-$0.82
OCF/S Ratio
-2.3%

Income Statement

Revenue
$1.36B
Gross Profit
$1.44B
Operating Income
$526.28M
EBITDA
$24.71M
Net Income
$-265.05M
EPS (Diluted)
-$6.73
Revenue / Employee
$564.41K
Profit / Employee
$-109.66K
Employees
2,417

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