PRAA - PRA Group Inc Stock Price, Fair Value and News

24.79USD-0.13 (-0.52%)Market Closed

Market Summary

USD24.79-0.13

Market Closed

-0.52%

PRAA Alerts

1 major insider sales recently.

PRAA Stock Price

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PRAA RSI Chart

PRAA Valuation

Market Cap

978.0M

Price/Earnings (Trailing)

-11.72

Price/Sales (Trailing)

1.22

EV/EBITDA

-3.45

Price/Free Cashflow

-9.74

PRAA Price/Sales (Trailing)

PRAA Profitability

EBT Margin

-10.33%

Return on Equity

-7.15%

Return on Assets

-1.84%

Free Cashflow Yield

-10.27%

PRAA Fundamentals

PRAA Revenue

Revenue (TTM)

802.6M

Rev. Growth (Yr)

-0.64%

Rev. Growth (Qtr)

2.3%

PRAA Earnings

Earnings (TTM)

-83.5M

Earnings Growth (Yr)

-155.03%

Earnings Growth (Qtr)

28.38%

Breaking Down PRAA Revenue

Last 7 days

11.7%

Last 30 days

-1.3%

Last 90 days

0.6%

Trailing 12 Months

-33.9%

How does PRAA drawdown profile look like?

PRAA Financial Health

Debt/Equity

0.16

Debt/Cashflow

-0.49

PRAA Investor Care

Shares Dilution (1Y)

0.69%

Diluted EPS (TTM)

-2.13

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	881.4M	832.4M	804.0M	802.6M
2022	1.0B	1.0B	1.0B	966.5M
2021	1.1B	1.1B	1.1B	1.1B
2020	1.0B	1.0B	1.1B	1.1B
2019	930.0M	960.6M	984.7M	1.0B
2018	844.4M	862.3M	883.7M	908.3M
2017	912.3M	887.5M	869.9M	826.9M
2016	921.7M	913.0M	905.5M	930.6M
2015	932.3M	972.1M	962.6M	942.0M
2014	759.5M	773.9M	815.1M	881.0M
2013	622.2M	657.3M	704.5M	735.1M
2012	487.3M	520.4M	556.6M	592.8M
2011	401.1M	422.9M	441.6M	458.9M
2010	296.3M	318.2M	345.2M	372.7M
2009	0	269.2M	275.2M	281.1M
2008	0	0	0	263.3M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

Try For Just $1.99

Tracking the Latest Insider Buys and Sells of PRA Group Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 15, 2024	atal vikram a	sold	-142,194	24.39	-5,830	president and ceo
Mar 15, 2024	marino glenn p	acquired	-	-	1,619	-
Mar 07, 2024	sehgal rakesh	acquired	-	-	19,755	chief financial officer
Mar 07, 2024	tarrant latisha owens	acquired	-	-	24,609	general counsel & chro
Mar 07, 2024	james richard owen	acquired	-	-	21,199	global investments officer
Mar 07, 2024	james richard owen	sold (taxes)	-46,244	24.69	-1,873	global investments officer
Mar 07, 2024	sehgal rakesh	sold (taxes)	-13,974	24.69	-566	chief financial officer
Mar 07, 2024	atal vikram a	acquired	-	-	94,824	president and ceo
Mar 07, 2024	sjolund martin	sold (taxes)	-182,434	24.69	-7,389	president, pra group europe
Mar 07, 2024	sjolund martin	acquired	-	-	34,064	president, pra group europe

Which funds bought or sold PRAA recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	FIFTH THIRD BANCORP	unchanged	-	-43.00	9,389	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-18.47	-73,000	315,000	-%
Apr 23, 2024	WETZEL INVESTMENT ADVISORS, INC.	sold off	-100	-4,000	-	-%
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-1.02	-7,568	505,952	0.01%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	140,820	527,825	-%
Apr 19, 2024	Maryland State Retirement & Pension System	reduced	-2.17	-43,553	335,142	0.01%
Apr 19, 2024	State of Alaska, Department of Revenue	reduced	-0.98	-9,000	623,000	0.01%
Apr 19, 2024	Red Tortoise LLC	unchanged	-	-13.00	2,712	-%
Apr 18, 2024	FARMERS & MERCHANTS INVESTMENTS INC	unchanged	-	-4.00	730	-%
Apr 17, 2024	ROMANO BROTHERS AND COMPANY	unchanged	-	-1,289	280,204	0.04%

Are Funds Buying or Selling PRAA?

Are funds buying PRAA calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PRAA

No. of Funds

PRAA Alerts

1 major insider sales recently.

Unveiling PRA Group Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 16, 2024	engaged capital llc	4.97%	1,950,364	SC 13D/A
Feb 14, 2024	t. rowe price investment management, inc.	6.9%	2,717,139	SC 13G
Feb 13, 2024	vanguard group inc	10.94%	4,292,097	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	4.2%	1,634,736	SC 13G/A
Feb 08, 2024	wellington management group llp	9.33%	3,662,290	SC 13G/A
Jan 22, 2024	blackrock inc.	16.7%	6,538,318	SC 13G/A
Dec 13, 2023	engaged capital llc	5.1%	2,010,750	SC 13D
Feb 14, 2023	t. rowe price investment management, inc.	8.1%	3,139,639	SC 13G
Feb 14, 2023	turtle creek asset management inc.	0.0%	0	SC 13G/A
Feb 14, 2023	price t rowe associates inc /md/	0.2%	59,815	SC 13G/A

Recent SEC filings of PRA Group Inc

View All Filings

Date Filed	Form Type	Document
Apr 17, 2024	4	Insider Trading
Mar 19, 2024	3	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 13, 2024	8-K	Current Report
Mar 11, 2024	4	Insider Trading
Mar 11, 2024	4	Insider Trading
Mar 11, 2024	4	Insider Trading
Mar 11, 2024	4	Insider Trading
Mar 11, 2024	4	Insider Trading
Feb 29, 2024	10-K	Annual Report

Peers (Alternatives to PRA Group Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	436.8B	25.1B	-3.94%	23.48%	39.02	17.4	12.87%	12.74%
AXP	166.1B	62.0B	5.73%	48.77%	18.47	2.68	11.96%	24.39%
PYPL	69.1B	29.8B	-0.52%	-13.27%	16.26	2.32	8.19%	75.53%
COF	56.2B	41.9B	4.77%	53.52%	11.39	1.34	34.26%	32.87%
DFS	32.4B	17.8B	2.85%	23.78%	10.97	1.82	38.72%	-32.51%
ALLY	12.1B	14.0B	1.09%	52.13%	11.84	0.86	31.42%	-40.49%
MID-CAP
CACC	6.4B	1.9B	-5.75%	5.72%	22.46	3.38	3.79%	-46.60%
FCFS	6.0B	3.2B	9.05%	37.25%	27.25	1.9	15.50%	-13.49%
WU	4.6B	4.4B	-2.33%	23.16%	7.32	1.05	-2.65%	-31.25%
NNI	3.6B	1.1B	4.38%	0.14%	38.79	3.2	8.54%	-77.53%
SMALL-CAP
ENVA	1.8B	2.1B	5.46%	32.39%	10.35	0.86	21.98%	-15.57%
ATLC	354.5M	1.2B	-19.43%	-15.00%	3.45	0.31	10.41%	-24.15%
CPSS	180.4M	352.0M	12.37%	-11.23%	3.98	0.51	6.77%	-47.27%
AIHS	8.6M	7.3M	-10.00%	-11.33%	-2.23	1.18	-51.06%	-195.09%
CURO	3.7M	853.2M	-40.00%	-95.05%	-0.01	0	-15.13%	-1364.54%

PRA Group Inc News

Latest updates

PRA Group Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In null)

Income Statement (Quarterly)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	2.3%	221,418	216,430	209,236	155,470	222,850	244,807	258,262	240,605	256,936	263,698	285,629	289,469	273,856	267,864	271,910	251,784	269,133	250,014	252,057	245,877	236,742
Operating Expenses	1.4%	175,889	173,384	163,675	189,114	163,540	174,019	174,525	168,638	174,487	186,119	181,415	178,715	184,641	179,198	160,630	191,244	185,751	181,188	187,496	190,934	183,147
EBITDA Margin	-23.6%	-0.31*	-0.25*	-0.17*	-0.09*	0.04*	0.07*	0.08*	0.10*	0.13*	0.13*	0.13*	0.13*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.0%	-50,946	-49,473	-43,022	-38,283	-34,912	-32,455	-31,562	-31,748	-32,156	-29,599	-30,836	-31,552	-35,393	-33,692	-35,416	-37,211	-36,046	-35,864	-36,027	-33,981	-33,549
Income Taxes	-145.6%	-816	1,788	1,578	-18,683	6,959	11,072	14,177	4,579	12,947	12,627	11,921	17,322	16,469	7,497	14,137	3,100	4,073	6,665	5,075	3,867	1,980
Earnings Before Taxes	-4.9%	-6,676	-6,363	2,738	-72,586	24,021	38,254	53,313	39,197	49,345	49,297	72,482	79,202	53,118	55,326	74,965	25,536	35,092	34,213	27,275	20,779	20,306
EBT Margin	-59.1%	-0.10*	-0.06*	-0.01*	0.05*	0.16*	0.18*	0.19*	0.20*	0.23*	0.23*	0.23*	0.24*	-	-	-	-	-	-	-	-	-
Net Income	28.4%	-8,782	-12,262	-3,804	-58,629	15,959	24,732	36,484	39,972	34,276	34,480	55,996	58,406	29,798	42,492	57,914	19,135	27,341	24,971	18,619	15,227	14,942
Net Income Margin	-42.4%	-0.10*	-0.07*	-0.03*	0.02*	0.12*	0.14*	0.14*	0.16*	0.17*	0.16*	0.17*	0.17*	-	-	-	-	-	-	-	-	-
Free Cashflow	152.2%	20,156	-38,648	-34,004	-47,926	22,453	35,864	-23,488	-26,488	42,202	13,972	-303	17,842	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	4.5%	4,525	4,330	4,321	4,544	4,176	3,895	4,089	4,258	4,366	4,332	4,261	4,279	4,453	4,197	4,198	4,350	4,424	4,118	4,165	4,106	3,910
Cash Equivalents	7.0%	113	105	111	116	83.00	58.00	68.00	79.00	88.00	57.00	76.00	93.00	121	105	125	184	124	90.00	105	102	99.00
Net PPE	-5.5%	36.00	39.00	46.00	49.00	52.00	52.00	54.00	54.00	55.00	54.00	55.00	57.00	58.00	58.00	59.00	60.00	57.00	57.00	51.00	54.00	54.00
Goodwill	4.6%	432	413	415	421	436	404	437	483	480	482	493	493	493	456	445	419	481	466	489	481	464
Liabilities	4.6%	3,286	3,140	3,081	3,319	2,889	2,713	2,846	2,912	3,041	2,903	2,786	2,875	3,080	2,925	3,003	3,229	3,197	2,967	3,010	2,974	2,779
Shareholder's Equity	4.6%	1,167	1,116	29.00	1,158	1,228	1,183	1,242	1,346	1,325	1,429	1,475	1,403	1,359	1,272	1,195	1,121	1,227	1,146	1,151	1,126	0.00
Retained Earnings	-0.6%	1,490	1,498	1,511	1,514	1,573	1,557	1,554	1,549	1,553	1,655	1,638	1,582	1,512	1,482	1,440	1,382	1,363	1,335	1,310	1,292	1,276
Additional Paid-In Capital	70.1%	7.00	4.00	3.00	0.00	2.00	-	-	-	-	-	51.00	47.00	75.00	70.00	70.00	67.00	67.00	65.00	62.00	59.00	60.00
Shares Outstanding	0.0%	39.00	39.00	39.00	39.00	39.00	39.00	40.00	41.00	45.00	46.00	46.00	46.00	-	-	-	-	-	-	-	-	-
Minority Interest	-2.9%	72.00	74.00	74.00	66.00	59.00	51.00	36.00	41.00	38.00	38.00	20.00	27.00	32.00	33.00	32.00	47.00	58.00	52.00	31.00	23.00	29.00
Float	-	-	-	885	-	-	-	1,410	-	-	-	1,730	-	-	-	1,730	-	-	-	1,256	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	155.4%	20,737	-37,433	-33,318	-47,521	25,006	38,350	-19,020	-22,744	46,642	16,646	1,429	20,208	10,345	8,859	75,694	46,806	62,695	39,745	15,991	14,957	12,791
Share Based Compensation	81.2%	2,952	1,629	2,715	3,799	2,159	3,101	3,849	3,891	3,430	4,317	4,040	4,113	5,370	3,097	3,063	2,857	2,809	2,974	2,620	2,314	1,599
Cashflow From Investing	35.4%	-55,271	-85,622	-102,946	8,979	-74,953	48,396	20,681	126,329	36,545	-116,852	73,701	166,982	-57,464	84,390	130,257	-42,180	-208,109	-55,378	-64,804	-112,899	-324,615
Cashflow From Financing	-77.4%	27,049	119,755	-217,310	425,806	68,712	-79,810	2,403	-112,647	-46,150	84,748	-108,455	-192,955	53,766	-112,916	-265,092	72,142	171,892	10,794	51,373	105,464	291,289
Buy Backs	-	-	-	-	-	5,991	25,001	34,935	39,454	127,040	73,847	-	-	-	-	-	-	-	-	-	-	-

PRAA Income Statement

2023-12-31

Consolidated Income Statements - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Revenues:
Portfolio income	$ 757,128	$ 772,315	$ 875,327
Changes in estimated recoveries	29,134	168,904	197,904
Total portfolio revenue	786,262	941,219	1,073,231
Other revenue	16,292	25,305	22,501
Total revenues	802,554	966,524	1,095,732
Operating expenses:
Compensation and employee services	288,778	285,537	301,981
Legal collection costs	89,131	76,757	78,330
Agency fees	74,699	63,808	63,140
Outside fees and services	82,619	92,355	92,615
Communication	40,430	39,205	42,755
Rent and occupancy	17,319	18,589	18,376
Depreciation and amortization	13,376	15,243	15,256
Other operating expenses	52,399	50,778	61,077
Total operating expenses	702,062	680,722	720,736
Income from operations	100,492	285,802	374,996
Other income and (expense):
Interest Income (Expense), Net	(181,724)	(130,677)	(124,143)
Gain (Loss), Foreign Currency Transaction, before Tax	289	985	(809)
Other	(1,944)	(1,325)	282
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total	(82,887)	154,785	250,326
Income Tax Expense (Benefit)	(16,133)	36,787	54,817
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest, Total	(66,754)	117,998	195,509
Adjustment for net income attributable to noncontrolling interests	16,723	851	12,351
Net Income (Loss) Attributable to Parent, Total	$ (83,477)	$ 117,147	$ 183,158
Net income per share attributable to PRA Group, Inc.:
Basic (USD per share)	$ (2.13)	$ 2.96	$ 4.07
Diluted (USD per share)	$ (2.13)	$ 2.94	$ 4.04
Weighted average number of shares outstanding:
Basic (shares)	39,177	39,638	44,960
Diluted (shares)	39,177	39,888	45,330
Legal Fees	$ 38,072	$ 38,450	$ 47,206
Impairment, Long-Lived Asset, Held-for-Use	$ 5,239	$ 0	$ 0

PRAA Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 112,528	$ 83,376
Investments	72,404	79,948
Finance receivables, net	3,656,598	3,295,008
Income taxes receivable	27,713	31,774
Deferred tax assets, net	74,694	56,908
Right-of-use assets	45,877	54,506
Property and equipment, net	36,450	51,645
Goodwill	431,564	435,921
Other assets	67,526	86,588
Total assets	4,525,354	4,175,674
Liabilities:
Accounts payable	6,325	7,329
Accrued expenses	131,893	111,395
Income taxes payable	17,912	25,693
Deferred tax liabilities, net	17,051	42,918
Lease liabilities	50,300	59,384
Interest-bearing deposits	115,589	112,992
Borrowings	2,914,270	2,494,858
Other liabilities	32,638	34,355
Total liabilities	$ 3,285,978	$ 2,888,924
Preferred Stock, Shares Outstanding	0	0
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Authorized	2,000,000	2,000,000
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common Stock, Shares, Outstanding	39,247,000	38,980,000
Common Stock, Shares, Issued	39,247,000	38,980,000
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Equity:
Preferred stock, $0.01 par value, 2,000 shares authorized, no shares issued and outstanding	$ 0	$ 0
Common stock, $0.01 par value, 100,000 shares authorized, 39,247 shares issued and outstanding as of December 31, 2023; 100,000 shares authorized, 38,980 shares issued and outstanding as of December 31, 2022	392	390
Additional paid-in capital	7,071	2,172
Retained earnings	1,489,548	1,573,025
Accumulated Other Comprehensive Income (Loss), Net of Tax	(329,899)	(347,926)
Total stockholders' equity - PRA Group, Inc.	1,167,112	1,227,661
Noncontrolling interests	72,264	59,089
Total equity	1,239,376	1,286,750
Total liabilities and equity	$ 4,525,354	$ 4,175,674

About PRA Group Inc

PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Europe, and Australia. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.

CEO	Mr. Vikram A. Atal
WEBSITE	pragroup.com
INDUSTRY	Credit Services
EMPLOYEES	3145

PRA Group Inc Frequently Asked Questions

What is the ticker symbol for PRA Group Inc? What does PRAA stand for in stocks?

PRAA is the stock ticker symbol of PRA Group Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of PRA Group Inc (PRAA)?

As of Tue Apr 23 2024, market cap of PRA Group Inc is 978.04 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PRAA stock?

You can check PRAA's fair value in chart for subscribers.

What is the fair value of PRAA stock?

You can check PRAA's fair value in chart for subscribers. The fair value of PRA Group Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of PRA Group Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PRAA so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is PRA Group Inc a good stock to buy?

The fair value guage provides a quick view whether PRAA is over valued or under valued. Whether PRA Group Inc is cheap or expensive depends on the assumptions which impact PRA Group Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PRAA.

What is PRA Group Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Tue Apr 23 2024, PRAA's PE ratio (Price to Earnings) is -11.72 and Price to Sales (PS) ratio is 1.22. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PRAA PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on PRA Group Inc's stock?

In the past 10 years, PRA Group Inc has provided -0.08 (multiply by 100 for percentage) rate of return.