Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PRAA
HOLDREMOVEPRA Group, Inc. · Financial Services · United States · $588M · Avg Vol: $10M/d
PRA Group is a debt buyer and collector. It is highly cyclical, dependent on consumer credit deterioration, and lacks a high-quality compounder profile or structural pricing power.
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
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 967M | 803M | 1.1B | 1.2B | 7.9% |
| EPS | 2.96 | -2.13 | 1.79 | -7.79 | -22.2% |
| Shares | 39M | 39M | 40M | 38M | -1.4% |
| Debt | 2.6B | 3.0B | 3.4B | 3.7B | 13.4% |
| Equity | 1.2B | 1.2B | 1.1B | 980M | -7.2% |
| Op CF | 22M | -98M | -95M | -86M | — |
| Inv CF | 120M | -235M | -382M | -60M | — |
| Fin CF | -121M | 355M | 491M | 116M | — |
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) | $588M | 38 | HOLD |
| GDOT | Green Dot Corporation | $733M | 41 | HOLD |
| JCAP | Jefferson Capital, Inc. | $950M | 47 | HOLD |
| LPRO | Open Lending Corporation | $271M | 32 | SELL |
| AGM | Federal Agricultural Mortgage Corporation | $1.9B | 37 | HOLD |
| OPRT | Oportun Financial Corporation | $242M | 29 | SELL |
| WRLD | World Acceptance Corporation | $727M | 63 | HOLD |
| NAVI | Navient Corporation | $781M | 13 | STRONG SELL |
| CPSS | Consumer Portfolio Services, Inc. | $214M | 54 | HOLD |
| MFIN | Medallion Financial Corp. | $231M | 56 | HOLD |
Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%