Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PRAA
HOLDPRA Group, Inc. · Financial Services · United States · $648M · Avg Vol: $7M/d
COMPANY DESCRIPTION
PRA Group, Inc. is a global leader in the acquisition and collection of nonperforming loans, primarily from banks, credit unions, and other financial institutions. Its competitive moat lies in its sophisticated data analytics capabilities, extensive collection expertise, and strong regulatory compliance framework, enabling efficient and ethical recovery of distressed assets. PRA Group is a specialized financial services provider, acting as a crucial liquidity provider to the financial system by managing charged-off consumer debt.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 966.5M | 802.6M | 1.1B | 1.2B | 7.9% | 1.2B | 1.2B | 1.2B | 0.7% |
| EPS | 2.96 | -2.13 | 1.79 | -7.79 | -22.2% | -7.15 | — | — | — |
| Shares | 39.0M | 39.2M | 39.5M | 38.5M | -1.4% | 38.1M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — |
| Equity | 1.2B | 1.2B | 1.1B | 979.9M | -7.2% | — | — | — | — |
| Op CF | 21.6M | -97.5M | -94.6M | -85.5M | — | -8.0M | — | — | — |
| Inv CF | 120.5M | -234.9M | -382.5M | -59.9M | — | — | — | — | — |
| Fin CF | -121.3M | 355.3M | 490.8M | 116.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PRAA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PRAA | PRA Group, Inc.(you) | $648M | 49 | HOLD |
| GDOT | Green Dot Corporation | $753M | 58 | HOLD |
| LPRO | Open Lending Corporation | $373M | 55 | HOLD |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 52 | HOLD |
| RM | Regional Management Corp. | $384M | 62 | HOLD |
| CPSS | Consumer Portfolio Services, Inc. | $205M | 45 | HOLD |
| WRLD | World Acceptance Corporation | $950M | 71 | BUY |
| OPRT | Oportun Financial Corporation | $257M | 62 | HOLD |
| EZPW | EZCORP, Inc. | $1.8B | 61 | HOLD |
| NAVI | Navient Corporation | $774M | 18 | STRONG SELL |
Peer medians: ROE 9.6% · P/E 13.5x · Gross margin 100.0%