PRA Group (PRAA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

PRA Group

NasdaqGS•Financial Services•Credit Services

$19.11+0.09(<0.01%)Pre-market

Market Cap

$735.03M

P/S

0.6x

P/B

0.7x

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. 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 founded in 1996 and is headquartered in Norfolk, Virginia.

How this company scores

WeakMetricSide Score: 37/100

Strongest: Growth (17/25); weakest: Cash & Earnings Quality (4/25).

Profitability11/25

Growth17/25

Balance Sheet & Red Flags5/25

Cash & Earnings Quality4/25

Strengths

Growing revenueLong cash runwayConsistent growthImproving margins

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 6.3x5y range 6.3x – 196.1x

Currently below its 12-quarter median.

P/S · 0.6x5y range 0.5x – 1.9x

Currently below its 20-quarter median.

P/B · 0.7x5y range 0.4x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 91.5% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

Free cash flow has been negative in 6 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $735.03M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.33B
Q. Revenue: $372.17M
TTM EBITDA: $77.17M
TTM Op. Income: $66.58M
Q. Op. Income: $153.28M
TTM Net Income: $-265.05M
Q. Net Income: $57.92M
EPS: $1.52
Shares Out.: $38.10M

$1.33B in TTM revenue grew 17.6% YoY, reaching $372.17M last quarter. TTM EBITDA of $77.17M and TTM operating income of $66.58M show growth is flowing through to the bottom line. However, net income is negative at $265.05M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 42.5%
Op. Margin: 41.2%
Net Margin: 15.6%

Op. margin of 41.2% is up 11.6% YoY — cost efficiency is improving. Net margin at 15.6% Over the past year, operating margin is up 39% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.6x
P/B Ratio: 0.7x

P/S of 0.6x and P/B of 0.7x. P/S is low relative to typical market levels. Across the last 4 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.24B
Cash: $132.43M
Long-Term Debt: $3.76B
Book Value: $1.05B
D/E Ratio: 3.6
Debt/EBITDA: 23.8

With $5.24B in assets and $3.76B in long-term debt, D/E is 3.6and book value is $1.05B — elevated leverage, meaning significant financial risk in a downturn. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-36.28M
TTM Free Cash Flow: $-37.85M
FCF Margin: -2.8%
FCF / Net Income: 0.1

TTM FCF of $-37.85M on $-36.28M in operating cash flow. The FCF / Net Income ratio of 0.1x means cash covers only part of net income — earnings quality needs attention. Over the past year, free cash flow is up 39% — a weakening trend.