PRA Group, Inc.
General ticker "PRAA" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $623.4M (TTM average)
PRA Group, Inc. follows the US Stock Market performance with the rate: 16.5%.
Estimated limits based on current volatility of 1.5%: low 17.82$, high 18.37$
Factors to consider:
- Total employees count: 2615 (-16.1%) as of 2025
- US accounted for 53.3% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Economic downturns and volatility, Collection failure, Cybersecurity threats, Regulatory and compliance, Third-party risks
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [13.36$, 23.50$]
- 2026-12-31 to 2027-12-31 estimated range: [12.84$, 22.91$]
Financial Metrics affecting the PRAA estimates:
- Positive: with PPE of 5.5 at the end of fiscal year the price was low
- Negative: negative Operating cash flow
- Positive: Operating profit margin, % of 33.92 > 18.40
- Positive: Industry operating cash flow per share per price (median), % of 19.17 > 10.32
- Positive: Industry operating profit margin (median), % of 18.77 > 9.66
- Negative: negative Net income
- Positive: 19.19 < Shareholder equity ratio, % of 19.20 <= 42.57
- Positive: 0.02 < Industry earnings per price (median), % of 3.82
- Positive: Inventory ratio change, % of 0 <= 0
Short-term PRAA quotes
Long-term PRAA plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $815.50MM | $1,123.83MM | $1,240.24MM |
| Operating Expenses | $715.00MM | $784.09MM | $819.50MM |
| Operating Income | $100.49MM | $339.73MM | $420.74MM |
| Non-Operating Income | $-183.38MM | $-230.13MM | $-663.98MM |
| Interest Expense | $74.76MM | $88.73MM | $251.79MM |
| Income(Loss) | $-82.89MM | $109.61MM | $-243.24MM |
| Taxes | $-16.13MM | $21.03MM | $46.73MM |
| Net Income(Loss)* | $-83.48MM | $70.60MM | $-305.14MM |
| Stockholders Equity | $1,167.11MM | $1,135.03MM | $979.85MM |
| Assets | $4,525.35MM | $4,931.15MM | $5,103.32MM |
| Operating Cash Flow | $-97.53MM | $-94.59MM | $-85.54MM |
| Capital expenditure | $2.89MM | $4.04MM | $4.82MM |
| Investing Cash Flow | $-234.86MM | $-382.47MM | $-59.94MM |
| Financing Cash Flow | $355.30MM | $490.84MM | $115.97MM |
| Earnings Per Share** | $-2.13 | $1.79 | $-7.79 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.