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PRA Group stock

PRAA
US69354N1063
A12ELV

Price

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Today +/-
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PRA Group stock price

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Details

Price

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Overview

The Quote Chart provides detailed and dynamic insights into the PRA Group stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the PRA Group stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the PRA Group stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze PRA Group's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

PRA Group Stock Price History

DatePRA Group Price
2/7/20250 undefined
2/6/202523.15 undefined
2/5/202523.26 undefined
2/4/202522.78 undefined
2/3/202522.17 undefined
2/2/202521.80 undefined
1/30/202522.11 undefined
1/29/202522.62 undefined
1/28/202521.72 undefined
1/27/202522.00 undefined
1/26/202522.30 undefined
1/23/202521.72 undefined
1/22/202521.72 undefined
1/21/202521.24 undefined
1/20/202521.38 undefined
1/16/202521.31 undefined
1/15/202521.17 undefined
1/14/202520.75 undefined
1/13/202520.15 undefined
1/12/202519.82 undefined
1/9/202519.60 undefined

PRA Group Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into PRA Group, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by PRA Group from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects PRA Group’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of PRA Group. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into PRA Group’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing PRA Group’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on PRA Group’s growth potential.

PRA Group Revenue, EBIT and net profit per share

DatePRA Group RevenuePRA Group EBITPRA Group Net Income
2026e1.28 B undefined426 M undefined112.21 M undefined
2025e1.19 B undefined373.97 M undefined82.75 M undefined
2024e1.12 B undefined333.37 M undefined71.29 M undefined
2023802.55 M undefined105.73 M undefined-83.48 M undefined
2022966.5 M undefined285.8 M undefined117.1 M undefined
20211.1 B undefined375 M undefined183.2 M undefined
20201.07 B undefined349.7 M undefined149.3 M undefined
20191.02 B undefined271.7 M undefined86.2 M undefined
2018908.3 M undefined218.6 M undefined65.6 M undefined
2017828.2 M undefined225.6 M undefined164.3 M undefined
2016930.6 M undefined318.2 M undefined86.3 M undefined
2015942 M undefined310.3 M undefined167.9 M undefined
2014881 M undefined342.1 M undefined176.5 M undefined
2013735.1 M undefined303.9 M undefined175.3 M undefined
2012592.8 M undefined216.1 M undefined126.6 M undefined
2011458.9 M undefined176.9 M undefined100.8 M undefined
2010372.7 M undefined129.9 M undefined73.5 M undefined
2009281.1 M undefined80.6 M undefined44.3 M undefined
2008263.3 M undefined84.8 M undefined45.4 M undefined
2007220.7 M undefined81.2 M undefined48.2 M undefined
2006188.3 M undefined72 M undefined44.5 M undefined
2005148.5 M undefined59.6 M undefined36.8 M undefined
2004113.4 M undefined44.9 M undefined27.5 M undefined

PRA Group Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
19992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
0.010.020.030.060.080.110.150.190.220.260.280.370.460.590.740.880.940.930.830.911.021.071.10.970.81.121.191.28
-58.3368.4271.8852.7334.5230.9727.0317.0219.556.8432.3823.1229.2624.1619.866.92-1.27-10.979.6612.004.722.82-11.78-16.9839.536.527.38
5,058.333,194.741,896.881,103.64722.62537.17410.14322.8796.8296.5885.7788.7189.0888.3489.2591.7183.9783.2382.8584.8082.7981.7881.4679.8175.6954.2450.9247.42
00000000213254241330408523656808791774686770842871892771607000
125172027364448454473100126175176167861646586149183117-837182112
-100.00150.00240.0017.6535.0033.3322.229.09-6.25-2.2265.9136.9926.0038.890.57-5.11-48.5090.70-60.3732.3173.2622.82-36.07-170.94-185.5415.4936.59
34.434.134.436.247.147.648.448.247.345.946.450.751.751.450.950.448.446.445.845.445.645.945.339.939.18000
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Details

Keystats

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Revenue and Growth

The PRA Group Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the PRA Group is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (B)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (k)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                               
3.24.817.924.924.51625.116.713.920.341.126.732.716239.771.494.3120.598.7119.8108.687.683.4112.53
0.040.050.070.090.110.190.230.410.570.70.840.931.091.2522.22.312.783.083.513.513.433.33.66
0000.3001.633.64.52.30011.712.932.52137.562.928.535.141.130.426.55
000000000000000000000000
000000000000000000000000
0.040.050.080.120.130.210.250.430.590.730.880.961.121.432.052.312.422.933.253.663.663.563.413.8
2.23.43.85.25.87.211.216.223.921.924.325.725.331.548.345.438.749.354.1125.5111.3111.2106.282.33
00002400000000089.773.868.578.345.256.255.89379.972.4
000000000000000000000000
00006.396.8513.410.818.514.620.415.810.923.827.923.65.54.50000
00006.418.318.318.627.529.361.761.7109.5103.8527.4495.2499.9526.5464.1480.8493480.3435.9431.56
00020000000001.46.113.171.756.561.563.295.667.858.375.86
2.23.43.87.242.534.536.339.864.862104.5102155.2152.5682.4651.3706.7734.2630.4730.2755.7752.3680.3662.15
0.050.060.090.120.170.240.290.470.650.790.991.061.281.582.742.963.133.673.884.394.414.314.094.46
                                               
00100200200200200200200200200200200500500500500500500500500400400392
0078.396.1100.9108.1115.571.474.682.4163.5167.7151.2135.4111.764.666.453.960.367.375.302.27.07
0000.020.050.090.130.160.210.250.330.430.550.730.910.961.051.211.281.361.511.551.571.49
22.727.80000000.1-0.4002.94-116-228.9-251.9-178.6-242.1-261-245.8-266.7-347.7-329.96
000000000000000000000-200-20065
0.020.030.080.120.150.20.250.240.280.340.490.60.710.870.90.80.861.091.11.171.341.291.231.17
0.20.21.41.31.42.32.94.13.44.13.27.412.214.84.44.22.556.14.35.33.87.36.33
12.33.63.768.28.811.314.216.120.322.131.855.189.495.482.78679.4162.3154.7189170.8182.19
000.900.23.10000013.13.101121.219.610.815.1429.719.325.717.91
000000000000000000000000
000000000000000000000000
1.22.55.957.613.611.715.417.620.223.542.647.169.9104.8120.8104.8101.8100.6170.6189.7212.1203.8206.43
0.020.030000.0200.170.270.320.30.220.330.451.511.761.872.282.562.912.792.732.613.03
000.3013.722.333.557.688.1117.2165193.9185.3210.1255.6261.5258.3171.211585.440.936.642.917.05
00.400000000.7000064.41597.426.25559.434.432.64
0.020.03000.020.040.030.230.360.440.470.420.510.661.772.032.142.462.693.032.892.832.693.08
0.020.030.010.010.020.050.050.240.370.460.490.460.560.731.882.152.252.562.793.23.083.042.893.29
0.050.060.090.130.180.250.290.480.660.790.981.051.271.62.782.953.113.653.884.374.424.334.124.45
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of PRA Group provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand PRA Group's financial health and stability.

Assets

PRA Group's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that PRA Group must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of PRA Group after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into PRA Group's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
1999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
125172027364448454473101126176176168921717597167195118-66
000012455791212141418192419191718151518
0000-2158112430284728-81153-8-21-130-56-37-5860-35
0003-124-30-2-1523-112010-7-32283211-113
00001613220381422323429124-44857-4-128-97-15
112200002118910993149687997119118112116138
00000091850002398105478678144736980772125
136213549575980818514317313122526720320515801331418421-97
0-1-1-1-2-2-3-6-8-6-4-9-9-7-15-24-14-14-22-20-18-17-11-13-2
-13-13-7-24-23-50-83-39-192-185-134-170-104-205-175-1,030-282-317-295-387-441115160120-234
-12-12-6-23-21-48-79-32-184-179-129-161-95-198-159-1,006-267-303-272-366-423132171133-231
0000000000000000000000000
1122-250014-1516710052-24-8110114167529798345313326-216-57-12371
000401122-4801710-22-58-33-1650-44000-200-1110
11122101116-101041015547-82807964812094295294339-252-262-121355
1000-500021000-12-35-11-3-4-1812-35-42-16
00000000-160000000000000000
0217130-89-8-2620-146129-122312226-2125-2-32-428
1.225.220.532.647.254.452.671.775.680.8134.1163.4124.3209.2243.5188.5191.7-7.360.4115.4124.573.78.3-100.42
0000000000000000000000000

PRA Group stock margins

The PRA Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of PRA Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for PRA Group.

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Gross margin
EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the PRA Group's sales revenue. A higher gross margin percentage indicates that the PRA Group retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the PRA Group's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the PRA Group's total revenue generated. When comparing the revenue margin year over year, investors can gauge the PRA Group's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the PRA Group. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the PRA Group's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

PRA Group Margin History

PRA Group Gross marginPRA Group Profit marginPRA Group EBIT marginPRA Group Profit margin
2026e75.65 %33.28 %8.77 %
2025e75.65 %31.35 %6.94 %
2024e75.65 %29.79 %6.37 %
202375.65 %13.17 %-10.4 %
202279.87 %29.57 %12.12 %
202181.48 %34.22 %16.72 %
202081.77 %32.82 %14.01 %
201982.83 %26.71 %8.48 %
201884.77 %24.07 %7.22 %
201782.89 %27.24 %19.84 %
201683.27 %34.19 %9.27 %
201584 %32.94 %17.82 %
201491.79 %38.83 %20.03 %
201389.25 %41.34 %23.85 %
201288.33 %36.45 %21.36 %
201189 %38.55 %21.97 %
201088.68 %34.85 %19.72 %
200985.73 %28.67 %15.76 %
200896.62 %32.21 %17.24 %
200796.74 %36.79 %21.84 %
200675.65 %38.24 %23.63 %
200575.65 %40.13 %24.78 %
200475.65 %39.59 %24.25 %

PRA Group Stock Sales Revenue, EBIT, Earnings per Share

The PRA Group earnings per share therefore indicates how much revenue PRA Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue PRA Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates PRA Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of PRA Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating PRA Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

PRA Group Revenue, EBIT and net profit per share

DatePRA Group Sales per SharePRA Group EBIT per sharePRA Group Earnings per Share
2026e32.46 undefined0 undefined2.85 undefined
2025e30.26 undefined0 undefined2.1 undefined
2024e28.38 undefined0 undefined1.81 undefined
202320.49 undefined2.7 undefined-2.13 undefined
202224.22 undefined7.16 undefined2.93 undefined
202124.19 undefined8.28 undefined4.04 undefined
202023.21 undefined7.62 undefined3.25 undefined
201922.3 undefined5.96 undefined1.89 undefined
201820.01 undefined4.81 undefined1.44 undefined
201718.08 undefined4.93 undefined3.59 undefined
201620.06 undefined6.86 undefined1.86 undefined
201519.46 undefined6.41 undefined3.47 undefined
201417.48 undefined6.79 undefined3.5 undefined
201314.44 undefined5.97 undefined3.44 undefined
201211.53 undefined4.2 undefined2.46 undefined
20118.88 undefined3.42 undefined1.95 undefined
20107.35 undefined2.56 undefined1.45 undefined
20096.06 undefined1.74 undefined0.95 undefined
20085.74 undefined1.85 undefined0.99 undefined
20074.67 undefined1.72 undefined1.02 undefined
20063.91 undefined1.49 undefined0.92 undefined
20053.07 undefined1.23 undefined0.76 undefined
20042.38 undefined0.94 undefined0.58 undefined

PRA Group business model

PRA Group Inc is an international company specializing in the acquisition and management of debt collection claims. The company was founded in Virginia, USA, in 1996 and has been listed on the NASDAQ stock exchange since 2002. The history of PRA Group began with former CEO Steve Fredrickson, who recognized the potential of debt collection claims as an investment opportunity. He quickly built the company and expanded it steadily in Europe, Latin America, and Asia in the following years. Today, PRA Group is one of the largest companies in its industry worldwide. PRA Group's business model is based on the purchase of uncollected claims from other companies. These claims can come from banks, mail-order companies, telecommunications companies, and other service providers that offer their services on installment or invoice basis. PRA buys these claims at a fraction of their original value. The company then attempts to collect the debts to increase its profit. PRA Group offers various products and services to ensure successful debt collection. In the field of debt collection, the company uses a wide range of contact channels such as phone, email, mail, or personal contacts. To increase the chances of success, PRA works with specialized attorneys who can clarify complex legal issues. In addition to debt collection services, PRA Group also offers consulting services for companies that want to improve their own lending practices. Under the name "Insights," PRA provides a range of analysis and tools that enable companies to minimize risks and misjudgments in the credit area. PRA Group is divided into various divisions to better serve the needs of its customers. An important division is the "Consumer Portfolio Services" (CPS) department, where the company maintains direct contact with consumers. CPS offers individual payment plans and customized solutions for consumers. The goal is to achieve debt collection without damaging the relationship with the customers. Another division is "Insolvency Management," where PRA Group works with insolvent companies and their creditors. Here, the company utilizes its expertise in debt acquisition and collection to guide its customers through the insolvency process. The focus is also on finding a satisfactory solution for all parties involved. Overall, PRA Group employs more than 5,000 employees worldwide who ensure that the company maintains its position as one of the global leaders in the debt collection industry. The company is always striving to maintain a good relationship with its customers and their debtors to ensure successful debt collection. PRA Group is one of the most popular companies on Eulerpool.com.

PRA Group SWOT Analysis

Strengths

PRA Group Inc has several strengths that contribute to its success in the market. These strengths include:

PRA Group Inc holds a prominent position in the market as a leading debt recovery and management company. This enables the company to access a wide range of debtors and serve numerous clients.

With years of operational experience, PRA Group Inc has developed deep expertise in debt recovery and management strategies. This enables the company to effectively navigate the complexities of the industry and maximize recovery rates.

PRA Group Inc has made significant investments in its technology infrastructure, allowing for efficient and streamlined debt collection processes. This technology-driven approach provides a competitive edge and enhances operational efficiency.

Weaknesses

Despite its strengths, PRA Group Inc also faces certain weaknesses that could impact its performance. These weaknesses include:

PRA Group Inc's business is considerably influenced by economic conditions. During economic downturns, the company may experience a decrease in debt recoveries as consumers face financial hardships.

As a debt collection agency, PRA Group Inc faces regulatory compliance risks. Changes in industry regulations or non-compliance with existing regulations could lead to legal issues and reputational damage.

Opportunities

PRA Group Inc can capitalize on various opportunities in the market to drive growth and success. These opportunities include:

PRA Group Inc can explore expansion into new geographical markets to diversify its client base and revenue streams. Entering emerging markets or regions with underdeveloped debt recovery industries can provide significant growth potential.

Forming strategic partnerships with financial institutions or debt originators can enable PRA Group Inc to access a larger pool of debt portfolios. Collaborations can provide mutually beneficial opportunities for both parties involved.

Threats

PRA Group Inc faces certain threats that need to be carefully addressed to sustain its growth and profitability. These threats include:

The debt recovery industry is highly competitive, with numerous players vying for market share. PRA Group Inc must continuously innovate and differentiate itself to stay ahead of competitors.

Fluctuations in the global economy can impact individuals' ability to pay debts, which in turn affects PRA Group Inc's debt recovery rates. Economic volatility poses a significant threat to the company's financial performance.

PRA Group Revenue by Region

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Revenue by Segment

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Overview of Revenue by Region

The chart shows revenues by region and provides a clear comparison of regional revenue distribution. Each region is clearly marked to illustrate the differences.

Interpretation and Usage

The diagram helps to identify the regions with the highest revenue and to make targeted decisions for regional expansion or investments. It supports the analysis of market potentials and strategic priorities.

Investment Strategy

An investment strategy focused on regions concentrates on the deliberate capital allocation in different markets to optimally use regional growth opportunities. It takes into account market conditions and regional risk factors.

PRA Group Revenue by Segment

DateBRAZILForeign CountriesOthersOutside the United StatesUnited KingdomUNITED KINGDOMUnited States
202395.56 M USD228.78 M USD---119.96 M USD358.25 M USD
2022--264.05 M USD-181.73 M USD-520.75 M USD
2017--178.02 M USD-81.6 M USD-553.96 M USD
2016---245.76 M USD--584.82 M USD
2015---219.63 M USD--722.39 M USD
2014---114.71 M USD--766.26 M USD
2012----18.28 M USD-574.53 M USD
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PRA Group Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

PRA Group historical P/E ratio, EBIT multiple, and P/S ratio

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PRA Group shares outstanding

The number of shares was PRA Group in 2024 — This indicates how many shares 39.177 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue PRA Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates PRA Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of PRA Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating PRA Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

PRA Group stock splits

In PRA Group's history, there have been no stock splits.

PRA Group dividend history and estimates

In 2024, PRA Group paid a dividend amounting to 0.59 USD. Dividend means that PRA Group distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for PRA Group provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify PRA Group’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating PRA Group's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

PRA Group Dividend History

DatePRA Group Dividend
2026e0.93 undefined
2025e0.69 undefined
2024e0.59 undefined
20070.33 undefined

PRA Group dividend payout ratio

In 2024, PRA Group had a payout ratio of 32.68%. The payout ratio indicates the percentage of the company's profits that PRA Group distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for PRA Group represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for PRA Group could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate PRA Group's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

PRA Group Payout Ratio History

DatePRA Group Payout ratio
2026e32.68 %
2025e32.68 %
2024e32.68 %
202332.68 %
202232.68 %
202132.68 %
202032.68 %
201932.68 %
201832.68 %
201732.68 %
201632.68 %
201532.68 %
201432.68 %
201332.68 %
201232.68 %
201132.68 %
201032.68 %
200932.68 %
200832.68 %
200732.68 %
200632.68 %
200532.68 %
200432.68 %
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Unfortunately, there are currently no price targets and forecasts available for PRA Group.

PRA Group latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.33 0.69  (111.4 %)2024 Q3
6/30/20240.08 0.54  (541.33 %)2024 Q2
3/31/2024-0.05 0.09  (273.08 %)2024 Q1
12/31/2023-0.38 -0.22  (41.71 %)2023 Q4
9/30/2023-0.38 -0.31  (18.22 %)2023 Q3
6/30/2023-0.14 -0.1  (30.94 %)2023 Q2
3/31/20230.49 -1.5  (-408.96 %)2023 Q1
12/31/20220.33 0.41  (24.05 %)2022 Q4
9/30/20220.47 0.63  (33.7 %)2022 Q3
6/30/20220.55 0.91  (65.21 %)2022 Q2
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Eulerpool ESG Scorecard© for the PRA Group stock

Eulerpool World ESG Rating (EESG©)

52/ 100

🌱 Environment

26

👫 Social

67

🏛️ Governance

64

Environment

Scope 1 - Direct Emissions
38
Scope 2 - Indirect emissions from purchased energy
3,667
Scope 3 - Indirect emissions within the value chain
30,264
Total CO₂ emissions
3,705
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees64.2
Percentage of women in management
Percentage of Asian employees3.7
Share of Asian management
Percentage of Hispanic/Latino employees5.9
Hispano/Latino Management share
Percentage of Black employees31.1
Black Management Share
Percentage of white employees56.8
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

PRA Group shareholders

%
Name
Stocks
Change
Date
14.22901 % BlackRock Institutional Trust Company, N.A.5,610,498-130,8576/30/2024
10.90013 % The Vanguard Group, Inc.4,297,92020,1096/30/2024
9.85873 % Wellington Management Company, LLP3,887,297122,3456/30/2024
6.73902 % T. Rowe Price Investment Management, Inc.2,657,1942946/30/2024
4.48064 % Global Alpha Capital Management Ltd.1,766,71558,7006/30/2024
4.42068 % Dimensional Fund Advisors, L.P.1,743,07620,5196/30/2024
4.32034 % Engaged Capital, LLC1,703,512-149,7376/30/2024
3.77294 % State Street Global Advisors (US)1,487,669-33,8336/30/2024
2.68623 % William Blair Investment Management, LLC1,059,181-1,9126/30/2024
2.30801 % Geode Capital Management, L.L.C.910,05032,3086/30/2024
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PRA Group Executives and Management Board

Mr. Martin Sjoelund

(50)
PRA Group President, PRA Group Europe
Compensation 1.66 M

Mr. Steven Fredrickson

(63)
PRA Group Non-Executive Independent Chairman of the Board (since 1996)
Compensation 349,995

Mr. Vikram Atal

(67)
PRA Group President, Chief Executive Officer, Director (since 2015)
Compensation 269,995

Ms. Marjorie Connelly

(61)
PRA Group Independent Director
Compensation 269,995

Mr. Lance Weaver

(68)
PRA Group Lead Independent Director
Compensation 269,370
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Most common questions regarding PRA Group

What values and corporate philosophy does PRA Group represent?

PRA Group Inc represents strong values and a corporate philosophy focused on excellence and integrity in its debt purchasing and collection services. With a commitment to delivering superior financial solutions, PRA Group Inc strives to build trust and provide exceptional customer service to debtors and clients alike. The company's dedication to compliance, ethical business practices, and continuous innovation sets them apart in the industry. By leveraging their extensive resources and expertise, PRA Group Inc aims to tackle financial challenges with professionalism, transparency, and respect for all parties involved.

In which countries and regions is PRA Group primarily present?

PRA Group Inc is primarily present in various countries and regions. The company's operations span across the United States, United Kingdom, Europe, and Latin America. With its headquarters based in Norfolk, Virginia, PRA Group Inc has established a strong presence in these major markets. The company specializes in acquiring and collecting non-performing loans, serving individuals and businesses in need of debt resolution solutions. PRA Group Inc's global reach allows them to effectively address the debt acquisition and collection needs of clients in different geographical locations.

What significant milestones has the company PRA Group achieved?

PRA Group Inc has achieved significant milestones since its establishment. The company has successfully expanded its global reach, operating in multiple countries and serving clients across diverse sectors. PRA Group Inc has also maintained a strong financial performance, consistently delivering solid revenue growth and profitability. Additionally, the company has continually focused on innovation and technological advancements, enhancing its debt recovery processes and optimizing efficiency. Furthermore, PRA Group Inc has earned a reputable position in the industry through its commitment to ethical practices and exceptional customer service. Overall, PRA Group Inc has exemplified remarkable achievements in building a successful and influential presence in the financial services sector.

What is the history and background of the company PRA Group?

PRA Group Inc, a leading financial services company, has a rich history and background. Established in 1996, the company specializes in acquiring and collecting nonperforming loans. With its global footprint, PRA Group Inc has expanded its operations to provide global asset recovery and portfolio management services. Over the years, the company has emerged as a trusted name in the industry, deploying innovative technology and data-driven strategies to optimize debt recovery. PRA Group Inc's commitment to client satisfaction and ethical practices has enabled it to build long-term relationships with clients worldwide. With a strong financial performance and a focus on customer-centric solutions, PRA Group Inc continues to solidify its position as a leader in the financial services sector.

Who are the main competitors of PRA Group in the market?

The main competitors of PRA Group Inc in the market include Encore Capital Group, Inc., Portfolio Recovery Associates, Arrow Global Group PLC, and SquareTwo Financial.

In which industries is PRA Group primarily active?

PRA Group Inc is primarily active in the financial services industry.

What is the business model of PRA Group?

PRA Group Inc's business model is centered around purchasing and collecting nonperforming loans. As a leading global provider of debt recovery solutions, PRA Group acquires charged-off consumer debts from financial institutions and other creditors. By buying these distressed debts at a discount, the company aims to generate profit through effective collections and recovery processes. PRA Group utilizes its extensive data analytics capabilities, compliance expertise, and customer-focused approach to optimize debt recovery outcomes. With a strong focus on risk management and industry expertise, PRA Group Inc has built a successful business model in the debt acquisition and collection industry.

What is the P/E ratio of PRA Group 2025?

The P/E ratio cannot be calculated for PRA Group at the moment.

What is the P/S ratio of PRA Group 2025?

The P/S cannot be calculated for PRA Group currently.

What is the Quality Investing of PRA Group?

The Quality Investing for PRA Group is 2/10.

What is the revenue of PRA Group 2025?

The expected PRA Group revenue is 1.19 B USD.

How high is the profit of PRA Group 2025?

The expected PRA Group profit is 82.75 M USD.

What is the business model of PRA Group

PRA Group Inc is a US-based company specialized in the purchase and collection of distressed credit portfolios. The company operates in North and South America as well as in Europe, with over 5,000 employees. PRA Group Inc is divided into three main business segments: America Core, Europe Core, and Americas Insolvency. America Core is the company's largest business segment, focused on purchasing distressed credit portfolios in the US and Canada. The company works with various creditors to acquire distressed loans and then achieve debt recovery through collection efforts. Europe Core segment involves the purchase of distressed credit portfolios in the UK, France, Spain, Italy, Germany, and the Netherlands. In this segment, the company also offers collection and debt management services. Americas Insolvency segment primarily deals with the purchase of insolvency cases in the US. PRA Group Inc works closely with bankruptcy authorities and affected debtors to recover debts. PRA Group Inc offers a range of products and services tailored to the specific needs of each business segment. These include debt purchasing, debtor management, debt administration, and collection. The company also provides its customers access to innovative technologies for debt recovery and data/process management, utilizing advanced analytical and data management systems. PRA Group Inc is a growth-oriented company seeking expansion into new markets in 2021. It aims to expand into new markets and regions through strategic acquisitions and joint ventures. In the past, PRA Group Inc has experienced significant growth through various acquisitions, solidifying its position as one of the industry leaders. The company continuously strives to provide its customers with the best possible service experience and build long-term partnerships.

What is the PRA Group dividend?

PRA Group pays a dividend of 0 USD distributed over payouts per year.

How often does PRA Group pay dividends?

The dividend cannot currently be calculated for PRA Group or the company does not pay out a dividend.

What is the PRA Group ISIN?

The ISIN of PRA Group is US69354N1063.

What is the PRA Group WKN?

The WKN of PRA Group is A12ELV.

What is the PRA Group ticker?

The ticker of PRA Group is PRAA.

How much dividend does PRA Group pay?

Over the past 12 months, PRA Group paid a dividend of 0.33 USD . This corresponds to a dividend yield of about . For the coming 12 months, PRA Group is expected to pay a dividend of 0.93 USD.

What is the dividend yield of PRA Group?

The current dividend yield of PRA Group is .

When does PRA Group pay dividends?

PRA Group pays a quarterly dividend. This is distributed in the months of .

How secure is the dividend of PRA Group?

PRA Group paid dividends every year for the past 3 years.

What is the dividend of PRA Group?

For the upcoming 12 months, dividends amounting to 0.93 USD are expected. This corresponds to a dividend yield of 4.02 %.

In which sector is PRA Group located?

PRA Group is assigned to the 'Finance' sector.

Wann musste ich die Aktien von PRA Group kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of PRA Group from 6/8/2007 amounting to 1 USD, you needed to have the stock in your portfolio before the ex-date on 5/7/2007.

When did PRA Group pay the last dividend?

The last dividend was paid out on 6/8/2007.

What was the dividend of PRA Group in the year 2024?

In the year 2024, PRA Group distributed 0 USD as dividends.

In which currency does PRA Group pay out the dividend?

The dividends of PRA Group are distributed in USD.

All fundamentals about PRA Group

Our stock analysis for PRA Group Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of PRA Group Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.