PRA Group, Inc. (PRAA)

Price$20.38

Favorite Metrics

Price vs S&P 500 (26W)42.93%

Price vs S&P 500 (4W)11.01%

Market Capitalization$787.91M

P/E Ratio (Annual)9.42x

All Metrics

Book Value / Share (Quarterly)$25.48

P/TBV (Annual)1.42x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)7.53%

Cash Flow / Share (Quarterly)$-2.35

Price vs S&P 500 (YTD)13.13%

Gross Margin (TTM)79.94%

Net Profit Margin (TTM)-25.39%

EPS (TTM)$-7.81

10-Day Avg Trading Volume0.25M

EPS Excl Extra (TTM)$-7.81

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)$2.72

Revenue Growth QoQ (YoY)13.69%

EPS Growth (5Y)-1.14%

P/E Normalized (Annual)9.42x

ROA (Last FY)-5.98%

Revenue Growth TTM (YoY)7.83%

EBITD / Share (TTM)$0.46

ROE (5Y Avg)-1.66%

Operating Margin (TTM)0.68%

Cash Flow / Share (Annual)$-2.35

P/B Ratio0.80x

P/B Ratio (Quarterly)0.70x

Net Income / Employee (Annual)$-0

EV / Revenue (TTM)3.73x

Net Interest Coverage (TTM)0.03x

ROA (TTM)-5.90%

EPS Growth QoQ (YoY)213.70%

EV / EBITDA (TTM)246.09x

EPS Incl Extra (Annual)$-7.79

Current Ratio (Annual)24.80x

Quick Ratio (Quarterly)24.82x

3-Month Avg Trading Volume0.47M

52-Week Price Return20.26%

EV / Free Cash Flow (Annual)27.30x

Revenue / Employee (TTM)$0

Tangible BV / Share (Quarterly)$27.10

P/S Ratio (Annual)0.66x

Asset Turnover (Annual)0.24x

52-Week High$20.65

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 Return46.92%

Quick Ratio (Annual)24.80x

13-Week Price Return22.63%

Total Debt / Equity (Annual)3.88x

Current Ratio (Quarterly)24.82x

Enterprise Value$4,486.986

Revenue / Share Growth (5Y)5.74%

Asset Turnover (TTM)0.23x

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

Revenue / Employee (Annual)$0

Pretax Margin (Annual)-20.24%

Cash / Share (Annual)$2.72

3-Month Return Std Dev80.64%

Gross Margin (5Y Avg)79.38%

Net Income / Employee (TTM)$-0

EBITDA CAGR (5Y)-45.15%

EBITDA Interim CAGR (5Y)5.91%

ROE (Last FY)-31.14%

Net Interest Coverage (Annual)0.03x

EPS Basic Excl Extra (Annual)$-7.79

P/FCF (TTM)18.86x

Receivables Turnover (TTM)0.27x

Total Debt / Equity (Quarterly)3.88x

EPS Incl Extra (TTM)$-7.81

Receivables Turnover (Annual)0.27x

ROI (TTM)-6.28%

P/S Ratio (TTM)0.66x

Pretax Margin (5Y Avg)3.62%

Revenue / Share (Annual)$30.68

Tangible BV / Share (Annual)$25.66

Forward P/E25.96x

Price vs S&P 500 (52W)-9.57%

Year-to-Date Return15.77%

5-Day Price Return6.67%

EPS Normalized (Annual)$-7.79

ROA (5Y Avg)0.12%

Net Profit Margin (Annual)-25.39%

Month-to-Date Return17.03%

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)3.88x

EPS Basic Excl Extra (TTM)$-7.81

P/TBV (Quarterly)1.47x

P/B Ratio (Annual)0.70x

Pretax Margin (TTM)-20.24%

Book Value / Share (Annual)$25.48

Price vs S&P 500 (13W)21.95%

Net Margin Growth (5Y)-5.68%

Beta1.19x

P/FCF (Annual)94.93x

Revenue / Share (TTM)$31.02

ROE (TTM)-27.34%

52-Week Low$10.25

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

3.90

3.80

3.89

Industry Peers — Short-Term Business Credit(4)

Symbol	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
PRAAPRA Group, Inc.	9.42x	-27.34%	0.68%	2.44%	$20.38
ECPGEncore Capital Group, Inc.	6.56x	28.19%	35.34%	3.43%	$78.70
JCAPJefferson Capital, Inc. Common Stock	6.12x	42.75%	—	—	$20.63
PLBCPlumas Bancorp	12.41x	13.35%	50.74%	15.60%	$51.71
ORBSEightco Holdings Inc. Common Stock	318.30x	-34.69%	-24.75%	—	$1.24

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.