PRA Group, Inc. (PRAA)

Price$14.76

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-15.80%

Price vs S&P 500 (4W)-36.33%

VGM Score54.83

Market Capitalization$583.56M

P/E Ratio (Annual)9.42x

All Metrics

Book Value / Share (Quarterly)$26.28

P/TBV (Annual)1.42x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)7.53%

Cash Flow / Share (Quarterly)$-0.35

Price vs S&P 500 (YTD)-24.67%

Gross Margin (TTM)80.27%

Net Profit Margin (TTM)-22.51%

EPS (TTM)$-7.17

10-Day Avg Trading Volume0.52M

EPS Excl Extra (TTM)$-7.17

Revenue Growth (5Y)2.44%

EPS (Annual)$-7.79

ROI (Annual)-6.38%

Gross Margin (Annual)79.94%

Net Profit Margin (5Y Avg)-0.12%

Cash / Share (Quarterly)$3.27

Revenue Growth QoQ (YoY)16.66%

EPS Growth (5Y)-1.14%

P/E Normalized (Annual)9.42x

ROA (Last FY)-5.98%

Revenue Growth TTM (YoY)10.47%

EBITD / Share (TTM)$1.16

ROE (5Y Avg)-1.66%

Operating Margin (TTM)2.95%

Cash Flow / Share (Annual)$-2.35

P/B Ratio0.58x

P/B Ratio (Quarterly)0.67x

Net Income / Employee (Annual)$-116,700

EV / Revenue (TTM)3.46x

Net Interest Coverage (TTM)0.03x

ROA (TTM)-5.41%

EPS Growth QoQ (YoY)694.47%

EV / EBITDA (TTM)95.53x

EPS Incl Extra (Annual)$-7.79

Current Ratio (Annual)24.80x

Quick Ratio (Quarterly)29.46x

3-Month Avg Trading Volume0.53M

52-Week Price Return7.62%

EV / Free Cash Flow (Annual)27.30x

Revenue / Employee (TTM)$476,800

Tangible BV / Share (Quarterly)$27.10

P/S Ratio (Annual)0.49x

Asset Turnover (Annual)0.24x

52-Week High$22.55

Operating Margin (5Y Avg)21.49%

EPS Excl Extra (Annual)$-7.79

CapEx CAGR (5Y)-22.46%

Tangible BV CAGR (5Y)5.50%

26-Week Price Return0.13%

Quick Ratio (Annual)24.80x

13-Week Price Return20.44%

Total Debt / Equity (Annual)3.88x

Current Ratio (Quarterly)29.46x

Enterprise Value$4.32B

Revenue / Share Growth (5Y)5.74%

Asset Turnover (TTM)0.24x

Book Value / Share Growth (5Y)-2.84%

Revenue / Employee (Annual)$459,600

Pretax Margin (Annual)-20.24%

Cash / Share (Annual)$2.72

3-Month Return Std Dev74.29%

Gross Margin (5Y Avg)79.38%

Net Income / Employee (TTM)$-107,300

EBITDA CAGR (5Y)-44.95%

EBITDA Interim CAGR (5Y)-1.78%

ROE (Last FY)-31.14%

Net Interest Coverage (Annual)0.14x

EPS Basic Excl Extra (Annual)$-7.79

P/FCF (TTM)24.80x

Receivables Turnover (TTM)0.28x

Total Debt / Equity (Quarterly)3.85x

EPS Incl Extra (TTM)$-7.17

Receivables Turnover (Annual)0.27x

ROI (TTM)-5.77%

P/S Ratio (TTM)0.47x

Pretax Margin (5Y Avg)3.62%

Revenue / Share (Annual)$30.68

Tangible BV / Share (Annual)$25.66

Forward P/E6.90x

Price vs S&P 500 (52W)-20.59%

Year-to-Date Return-13.74%

5-Day Price Return4.24%

EPS Normalized (Annual)$-7.79

ROA (5Y Avg)0.12%

Net Profit Margin (Annual)-25.39%

Month-to-Date Return-29.97%

Cash Flow / Share (TTM)$-0.63

EBITD / Share (Annual)$0.47

EPS Growth (3Y)-23.85%

Operating Margin (Annual)0.68%

LT Debt / Equity (Annual)3.88x

ROI (5Y Avg)0.15%

LT Debt / Equity (Quarterly)3.85x

EPS Basic Excl Extra (TTM)$-7.17

P/TBV (Quarterly)1.47x

P/B Ratio (Annual)0.70x

Pretax Margin (TTM)-17.33%

Book Value / Share (Annual)$25.48

Price vs S&P 500 (13W)10.70%

Net Margin Growth (5Y)-5.68%

Beta1.13x

P/FCF (Annual)70.31x

Revenue / Share (TTM)$32.37

ROE (TTM)-26.42%

52-Week Low$10.25

vGradeC

gGradeC

mGradeB

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.73est. 0.63

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.80

3.89

Industry Peers — Short-Term Business Credit(4)

Symbol	Value Score	Growth Score	Momentum Score	Price
PRAAPRA Group, Inc.	C	C	B	$14.76
ECPGEncore Capital Group, Inc.	C	C	B	$78.56
JCAPJefferson Capital, Inc. Common Stock	B	D	D	$16.66
PLBCPlumas Bancorp	C	C	B	$52.40
ORBSEightco Holdings Inc. Common Stock	D	F	D	$1.00

About

PRA Group acquires and collects nonperforming loans from financial institutions across the Americas, Europe, and Australia, helping creditors recover capital and supporting continued financial services. The company operates two primary segments: Core, which manages purchased nonperforming loans, and Insolvency, which specializes in loans connected to bankruptcy proceedings. PRA Group also provides fee-based services for class action claims recoveries in the United States.