PRA Group, Inc. Logo

PRA Group, Inc.

PRAA

(0.5)
Stock Price

20,84 USD

0.09% ROA

3.72% ROE

211.63x PER

Market Cap.

836.435.106,00 USD

282.68% DER

0% Yield

4.13% NPM

PRA Group, Inc. Stock Analysis

PRA Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PRA Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.59x), the stock offers substantial upside potential at a bargain price.

2 ROE

Negative ROE (-1.45%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (-0.44%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

4 DER

The stock is burdened with a heavy load of debt (348%), making it financially unstable and potentially risky for investors.

5 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

6 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

7 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

9 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-698) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

PRA Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PRA Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

PRA Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PRA Group, Inc. Revenue
Year Revenue Growth
2000 19.334.000
2001 32.336.000 40.21%
2002 55.847.302 42.1%
2003 84.927.263 34.24%
2004 113.396.237 25.11%
2005 148.525.149 23.65%
2006 188.321.767 21.13%
2007 220.748.000 14.69%
2008 263.275.000 16.15%
2009 281.091.000 6.34%
2010 372.706.000 24.58%
2011 458.935.000 18.79%
2012 592.801.000 22.58%
2013 735.135.000 19.36%
2014 880.969.000 16.55%
2015 942.018.000 6.48%
2016 832.124.000 -13.21%
2017 821.920.000 -1.24%
2018 877.961.000 6.38%
2019 995.303.000 11.79%
2020 1.065.414.000 6.58%
2021 1.096.820.000 2.86%
2022 968.752.000 -13.22%
2023 865.720.000 -11.9%
2023 825.712.000 -4.85%
2024 1.159.044.000 28.76%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PRA Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1.500.000 100%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PRA Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 21.700.918 100%
2003 28.986.795 25.14%
2004 36.620.054 20.84%
2005 44.332.298 17.4%
2006 58.141.684 23.75%
2007 128.132.000 54.62%
2008 164.037.000 21.89%
2009 182.470.000 10.1%
2010 71.468.000 -155.32%
2011 89.045.000 19.74%
2012 139.441.000 36.14%
2013 161.023.000 13.4%
2014 183.755.000 12.37%
2015 177.283.000 -3.65%
2016 181.683.000 2.42%
2017 167.353.000 -8.56%
2018 208.059.000 19.56%
2019 251.328.000 17.22%
2020 214.167.000 -17.35%
2021 186.667.000 -14.73%
2022 173.001.000 -7.9%
2023 179.628.000 3.69%
2023 184.952.000 2.88%
2024 258.996.000 28.59%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PRA Group, Inc. EBITDA
Year EBITDA Growth
2000 4.742.000
2001 9.443.000 49.78%
2002 21.903.606 56.89%
2003 35.899.530 38.99%
2004 47.273.121 24.06%
2005 64.279.067 26.46%
2006 77.130.699 16.66%
2007 87.120.000 11.47%
2008 92.321.000 5.63%
2009 89.825.000 -2.78%
2010 142.364.000 36.9%
2011 189.818.000 25%
2012 230.580.000 17.68%
2013 318.341.000 27.57%
2014 360.482.000 11.69%
2015 329.966.000 -9.25%
2016 235.217.000 -40.28%
2017 155.094.000 -51.66%
2018 207.396.000 25.22%
2019 267.034.000 22.33%
2020 224.449.000 -18.97%
2021 305.355.000 26.5%
2022 220.743.000 -38.33%
2023 25.424.000 -768.25%
2023 133.538.000 80.96%
2024 392.936.000 66.02%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PRA Group, Inc. Gross Profit
Year Gross Profit Growth
2000 19.334.000
2001 32.336.000 40.21%
2002 55.847.302 42.1%
2003 84.927.263 34.24%
2004 113.396.237 25.11%
2005 148.525.149 23.65%
2006 188.321.767 21.13%
2007 220.748.000 14.69%
2008 263.275.000 16.15%
2009 281.091.000 6.34%
2010 248.629.000 -13.06%
2011 320.733.000 22.48%
2012 424.445.000 24.43%
2013 542.661.000 21.78%
2014 646.438.000 16.05%
2015 673.673.000 4.04%
2016 573.278.000 -17.51%
2017 477.231.000 -20.13%
2018 558.561.000 14.56%
2019 684.862.000 18.44%
2020 628.552.000 -8.96%
2021 718.080.000 12.47%
2022 612.107.000 -17.31%
2023 389.760.000 -57.05%
2023 527.815.000 26.16%
2024 795.824.000 33.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PRA Group, Inc. Net Profit
Year Net Profit Growth
2000 2.540.000
2001 5.626.000 54.85%
2002 17.065.109 67.03%
2003 20.713.503 17.61%
2004 27.451.440 24.54%
2005 36.771.995 25.35%
2006 44.489.816 17.35%
2007 48.241.000 7.78%
2008 45.362.000 -6.35%
2009 44.306.000 -2.38%
2010 73.454.000 39.68%
2011 100.791.000 27.12%
2012 126.593.000 20.38%
2013 175.314.000 27.79%
2014 176.505.000 0.67%
2015 167.926.000 -5.11%
2016 86.255.000 -94.69%
2017 164.315.000 47.51%
2018 65.563.000 -150.62%
2019 86.158.000 23.9%
2020 149.339.000 42.31%
2021 183.158.000 18.46%
2022 117.147.000 -56.35%
2023 -49.048.000 338.84%
2023 -83.477.000 41.24%
2024 86.064.000 196.99%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PRA Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 100%
2011 2 0%
2012 2 50%
2013 3 33.33%
2014 4 0%
2015 3 0%
2016 2 -200%
2017 4 66.67%
2018 1 -200%
2019 2 0%
2020 3 66.67%
2021 4 25%
2022 3 -100%
2023 -1 300%
2023 -2 50%
2024 2 200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PRA Group, Inc. Free Cashflow
Year Free Cashflow Growth
2002 20.525.222
2003 32.626.751 37.09%
2004 47.194.249 30.87%
2005 54.369.958 13.2%
2006 52.598.257 -3.37%
2007 71.694.000 26.64%
2008 75.579.000 5.14%
2009 80.764.000 6.42%
2010 134.035.000 39.74%
2011 163.391.000 17.97%
2012 124.297.000 -31.45%
2013 209.252.000 40.6%
2014 243.517.000 14.07%
2015 188.544.000 -29.16%
2016 191.743.000 1.67%
2017 -7.365.000 2703.44%
2018 60.345.000 112.2%
2019 115.355.000 47.69%
2020 124.474.000 7.33%
2021 73.713.000 -68.86%
2022 8.341.000 -783.74%
2023 -34.004.000 124.53%
2023 -100.422.000 66.14%
2024 -30.826.000 -225.77%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PRA Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 21.841.354
2003 35.080.889 37.74%
2004 49.285.183 28.82%
2005 57.854.373 14.81%
2006 59.466.789 2.71%
2007 80.356.000 26%
2008 81.718.000 1.67%
2009 85.285.000 4.18%
2010 143.581.000 40.6%
2011 173.025.000 17.02%
2012 131.412.000 -31.67%
2013 225.127.000 41.63%
2014 267.902.000 15.97%
2015 202.998.000 -31.97%
2016 205.903.000 1.41%
2017 15.475.000 -1230.55%
2018 80.866.000 80.86%
2019 133.388.000 39.38%
2020 141.704.000 5.87%
2021 84.925.000 -66.86%
2022 21.592.000 -293.32%
2023 -33.318.000 164.81%
2023 -97.535.000 65.84%
2024 -29.489.000 -230.75%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PRA Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 1.316.132
2003 2.454.138 46.37%
2004 2.090.934 -17.37%
2005 3.484.415 39.99%
2006 6.868.532 49.27%
2007 8.662.000 20.71%
2008 6.139.000 -41.1%
2009 4.521.000 -35.79%
2010 9.546.000 52.64%
2011 9.634.000 0.91%
2012 7.115.000 -35.4%
2013 15.875.000 55.18%
2014 24.385.000 34.9%
2015 14.454.000 -68.71%
2016 14.160.000 -2.08%
2017 22.840.000 38%
2018 20.521.000 -11.3%
2019 18.033.000 -13.8%
2020 17.230.000 -4.66%
2021 11.212.000 -53.67%
2022 13.251.000 15.39%
2023 686.000 -1831.63%
2023 2.887.000 76.24%
2024 1.337.000 -115.93%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PRA Group, Inc. Equity
Year Equity Growth
2000 22.705.000
2001 27.752.000 18.19%
2002 80.608.000 65.57%
2003 119.148.046 32.35%
2004 151.389.440 21.3%
2005 195.322.175 22.49%
2006 247.278.267 21.01%
2007 235.280.000 -5.1%
2008 283.863.000 17.11%
2009 335.480.000 15.39%
2010 504.965.000 33.56%
2011 613.319.000 17.67%
2012 708.427.000 13.43%
2013 869.476.000 18.52%
2014 902.215.000 3.63%
2015 839.747.000 -7.44%
2016 917.163.000 8.44%
2017 1.140.717.000 19.6%
2018 1.123.969.000 -1.49%
2019 1.227.013.000 8.4%
2020 1.373.526.000 10.67%
2021 1.324.837.000 -3.68%
2022 1.286.750.000 -2.96%
2023 1.239.376.000 -3.82%
2023 1.189.987.000 -4.15%
2024 1.203.278.000 1.1%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PRA Group, Inc. Assets
Year Assets Growth
2000 47.188.000
2001 57.108.000 17.37%
2002 88.288.415 35.32%
2003 126.393.771 30.15%
2004 175.175.969 27.85%
2005 247.772.246 29.3%
2006 293.378.431 15.55%
2007 476.307.000 38.41%
2008 657.840.000 27.6%
2009 794.433.000 17.19%
2010 995.908.000 20.23%
2011 1.071.123.000 7.02%
2012 1.288.956.000 16.9%
2013 1.601.232.000 19.5%
2014 2.778.751.000 42.38%
2015 2.990.567.000 7.08%
2016 3.163.999.000 5.48%
2017 3.700.972.000 14.51%
2018 3.909.559.000 5.34%
2019 4.423.891.000 11.63%
2020 4.453.061.000 0.66%
2021 4.366.243.000 -1.99%
2022 4.175.674.000 -4.56%
2023 4.525.354.000 7.73%
2023 4.329.975.000 -4.51%
2024 4.661.940.000 7.12%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PRA Group, Inc. Liabilities
Year Liabilities Growth
2000 532.000
2001 0 0%
2002 7.680.797 100%
2003 7.245.725 -6%
2004 23.786.529 69.54%
2005 52.450.071 54.65%
2006 46.100.164 -13.77%
2007 241.027.000 80.87%
2008 373.977.000 35.55%
2009 458.953.000 18.52%
2010 490.943.000 6.52%
2011 475.635.000 -3.22%
2012 580.529.000 18.07%
2013 731.756.000 20.67%
2014 1.876.536.000 61%
2015 2.150.820.000 12.75%
2016 2.246.836.000 4.27%
2017 2.560.255.000 12.24%
2018 2.785.590.000 8.09%
2019 3.196.878.000 12.87%
2020 3.079.535.000 -3.81%
2021 3.041.406.000 -1.25%
2022 2.888.924.000 -5.28%
2023 3.285.978.000 12.08%
2023 3.139.988.000 -4.65%
2024 3.458.662.000 9.21%

PRA Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.04
Net Income per Share
0.1
Price to Earning Ratio
211.63x
Price To Sales Ratio
0.85x
POCF Ratio
-7.01
PFCF Ratio
-6.81
Price to Book Ratio
0.73
EV to Sales
4.05
EV Over EBITDA
16.57
EV to Operating CashFlow
-33.49
EV to FreeCashFlow
-32.51
Earnings Yield
0
FreeCashFlow Yield
-0.15
Market Cap
0,84 Bil.
Enterprise Value
3,99 Bil.
Graham Number
8.1
Graham NetNet
-10.15

Income Statement Metrics

Net Income per Share
0.1
Income Quality
-7.3
ROE
0
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
0.62
EBT Per Ebit
0.23
Ebit per Revenue
0.28
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.22
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.72
Operating Profit Margin
0.28
Pretax Profit Margin
0.07
Net Profit Margin
0.04

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-3.03
Free CashFlow per Share
-3.12
Capex to Operating CashFlow
-0.03
Capex to Revenue
0
Capex to Depreciation
0.22
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
1427.73
Days Payables Outstanding
9.91
Days of Inventory on Hand
0
Receivables Turnover
0.26
Payables Turnover
36.83
Inventory Turnover
0
Capex per Share
0.09

Balance Sheet

Cash per Share
4,26
Book Value per Share
30,57
Tangible Book Value per Share
20.01
Shareholders Equity per Share
29.1
Interest Debt per Share
85.05
Debt to Equity
2.83
Debt to Assets
0.69
Net Debt to EBITDA
13.1
Current Ratio
15.29
Tangible Asset Value
0,79 Bil.
Net Current Asset Value
0,56 Bil.
Invested Capital
4249597000
Working Capital
3,76 Bil.
Intangibles to Total Assets
0.09
Average Receivables
3,77 Bil.
Average Payables
0,01 Bil.
Average Inventory
-10499499
Debt to Market Cap
3.87

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PRA Group, Inc. Dividends
Year Dividends Growth
2007 1

PRA Group, Inc. Profile

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, Australia, and Europe. 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
Employee
3.109
Address
120 Corporate Boulevard
Norfolk, 23502

PRA Group, Inc. Executives & BODs

PRA Group, Inc. Executives & BODs
# Name Age
1 Mr. Steven D. Fredrickson
Co-Founder & Non-Executive Chairman
70
2 Mr. Vikram A. Atal
President, Chief Executive Officer & Director
70
3 Mr. Rakesh Sehgal
Executive Vice President & Chief Financial Officer
70
4 Mr. Owen R. James
Executive Vice President & Global Investments Officer
70
5 Ms. LaTisha Owens Tarrant
Executive Vice President, General Counsel, Chief Human Resources Officer & Corporate Secretary
70
6 Mr. Martin Sjölund
President of PRA Group Europe
70
7 Mr. Steven A. Macke
Global Operations Officer
70
8 Mr. Jan Husby
Global Chief Information Officer
70
9 Lauren Partin
Senior Vice President of Finance & Investor Relations
70
10 Mr. Keith Warren
Chief Risk & Compliance Officer
70

PRA Group, Inc. Competitors