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Company Analysis

PRA Group, Inc. PRAA

A comprehensive view of key metrics, scores, and financial health for PRA Group, Inc.

Overview of PRA Group, Inc.

PRAA NMS
Financial Services Credit Services Small Cap
PRA Group, Inc. (PRAA), is a Small Cap company, in the Credit Services industry, last closed at $16.73, about 47.0% undervalued vs fair value, -14.6% 1Y return, ranked 416/1004 in sector.
$16.73
-0.77%
As of March 13, 2026
Previous close • Vol 90d: 75.2%
52-Week Range
Market Cap
$697.90M
Enterprise Value
$625.65M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.pragroup.com
HQ Norfolk, VA
Employees 2,814
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $16.73 +47% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.2M
104.8%%
Interest Expense
$251.8M
Net Interest Income
$-99.3M
-18.2%%
Total Revenue
$1.2B
6.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating PRA Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
46
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing PRAA's balance between Growth (39.3%), Profitability (24.3%), and Safety (36.4%). Growth 39% Safety 36% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

45th percentile vs peers
46
Key Signals
EPS Growth YoY 1.84 93p Revenue CAGR 3Y 7.5% 46p Rev Growth YoY 6.9% 32p EPS CAGR 3Y -23.8% 9p
Strengths
  • Eps Growth Yoy in top 20% of peers (1.84, 93th percentile)
  • Net Debt/Ebitda in top 20% of peers (15.57, 88th percentile)
  • Quick Ratio in top 20% of peers (14.27, 84th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

42th percentile vs peers
42
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for PRA Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$24.60
- - -
+47.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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