PRA Group, Inc.

DB:POV1 Stock Report

Market Cap: €789.5m

PRA Group Valuation

Is POV1 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of POV1 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: POV1 (€19.4) is trading above our estimate of fair value (€13.31)

Significantly Below Fair Value: POV1 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for POV1?

Key metric: As POV1 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for POV1. This is calculated by dividing POV1's market cap by their current earnings.
What is POV1's PE Ratio?
PE Ratio18.5x
EarningsUS$43.36m
Market CapUS$821.65m

Price to Earnings Ratio vs Peers

How does POV1's PE Ratio compare to its peers?

The above table shows the PE ratio for POV1 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.5x
OT8 Eleving Group
9.7x29.7%€197.9m
E4I Multitude
9.4x19.8%€103.6m
GLJ Grenke
9.1x25.2%€678.6m
HYQ Hypoport
38x28.9%€1.2b
POV1 PRA Group
18.5x42.0%€821.7m

Price-To-Earnings vs Peers: POV1 is expensive based on its Price-To-Earnings Ratio (18.5x) compared to the peer average (16.5x).

Price to Earnings Ratio vs Industry

How does POV1's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
POV1 18.5xIndustry Avg. 9.1xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: POV1 is expensive based on its Price-To-Earnings Ratio (18.5x) compared to the European Consumer Finance industry average (9.1x).

Price to Earnings Ratio vs Fair Ratio

What is POV1's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

POV1 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio18.5x
Fair PE Ratio22.8x

Price-To-Earnings vs Fair Ratio: POV1 is good value based on its Price-To-Earnings Ratio (18.5x) compared to the estimated Fair Price-To-Earnings Ratio (22.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst POV1 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€19.40
€27.97
+44.2%
13.2%€31.47€22.88n/a3
Dec ’25€19.60
€26.85
+37.0%
13.2%€30.20€21.97n/a3
Nov ’25€18.40
€25.46
+38.4%
13.0%€29.65€21.57n/a3
Oct ’25€19.80
€25.46
+28.6%
13.0%€29.65€21.57n/a3
Sep ’25€20.80
€30.20
+45.2%
22.3%€38.44€21.96n/a3
Aug ’25€24.40
€30.06
+23.2%
25.3%€39.05€20.45n/a3
Jul ’25€18.00
€30.06
+67.0%
25.3%€39.05€20.45n/a3
Jun ’25€19.80
€30.06
+51.8%
25.3%€39.05€20.45n/a3
May ’25€22.20
€28.77
+29.6%
31.9%€38.98€16.71n/a3
Apr ’25€23.80
€28.77
+20.9%
31.9%€38.98€16.71n/a3
Mar ’25€23.40
€28.77
+23.0%
31.9%€38.98€16.71n/a3
Feb ’25€20.80
€26.17
+25.8%
34.8%€38.35€16.43n/a3
Jan ’25€24.00
€26.35
+9.8%
34.8%€38.61€16.55n/a3
Dec ’24€16.80
€25.25
+50.3%
39.5%€39.27€16.83€19.603
Nov ’24€11.40
€29.43
+158.1%
31.9%€39.87€17.09€18.403
Oct ’24€17.50
€28.28
+61.6%
31.9%€38.32€16.42€19.803
Sep ’24€17.70
€28.28
+59.8%
31.9%€38.32€16.42€20.803
Aug ’24€21.40
€29.07
+35.8%
30.2%€38.96€17.63€24.403
Jul ’24€21.20
€29.07
+37.1%
30.2%€38.96€17.63€18.003
Jun ’24€17.30
€31.78
+83.7%
31.6%€38.88€17.59€19.803
May ’24€32.40
€42.54
+31.3%
10.1%€45.58€36.46€22.203
Apr ’24€34.80
€43.77
+25.8%
10.1%€46.90€37.52€23.803
Mar ’24€40.00
€43.77
+9.4%
10.1%€46.90€37.52€23.403
Feb ’24€36.80
€37.22
+1.2%
17.5%€44.30€28.61€20.803
Jan ’24€31.80
€42.16
+32.6%
18.5%€48.18€31.11€24.003
Dec ’23€32.80
€42.16
+28.5%
18.5%€48.18€31.11€16.803

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 17:40
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PRA Group, Inc. is covered by 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hugh MillerBuckingham Research Group Inc.
David WestDavenport & Company
John RowanJanney Montgomery Scott LLC