PRAA
HoldHot AirPRA Group, Inc. · Financial Services · United States · $721M · Avg Vol: $9M/d
Hot Air: Rising on momentum alone: weak business, rich price.
ABOUT PRA GROUP, INC.
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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% | 1.3B | 1.3B | 1.3B | 1.7% |
| EPS | 2.96 | -2.13 | 1.79 | -7.79 | -22.2% | -6.71 | — | — | — |
| Shares | 39.0M | 39.2M | 39.5M | 38.5M | -1.4% | 37.6M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — |
| Equity | 1.2B | 1.2B | 1.1B | 979.9M | -7.2% | — | — | — | — |
| Op CF | 21.6M | -97.5M | -94.6M | -85.5M | — | -31.4M | — | — | — |
| 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) | $721M | 48 | Hold |
| GDOT | Green Dot Corporation | $760M | 44 | Hold |
| OPFI | OppFi Inc. | $602M | 50 | Hold |
| NAVI | Navient Corporation | $887M | 38 | Hold |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.7B | 47 | Hold |
| WRLD | World Acceptance Corporation | $878M | 63 | Hold |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 47 | Hold |
| WU | The Western Union Company | $2.3B | 57 | Hold |
| RM | Regional Management Corp. | $300M | 71 | Buy |
| SLM | SLM Corporation | $5.0B | 45 | Hold |
Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.