PRA Group, Inc., a services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. More Details
Proven track record with mediocre balance sheet.
Share Price & News
How has PRA Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PRAA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PRAA's weekly volatility (4%) has been stable over the past year.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: PRAA underperformed the US Consumer Finance industry which returned 75% over the past year.
Return vs Market: PRAA underperformed the US Market which returned 33.8% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is PRA Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StPRA Group (NASDAQ:PRAA) sheds 5.7% this week, as yearly returns fall more in line with earnings growth
2 months ago | Simply Wall StHere's Why I Think PRA Group (NASDAQ:PRAA) Is An Interesting Stock
3 months ago | Simply Wall StIt's Unlikely That The CEO Of PRA Group, Inc. (NASDAQ:PRAA) Will See A Huge Pay Rise This Year
Is PRA Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PRAA ($40.76) is trading above our estimate of fair value ($29.63)
Significantly Below Fair Value: PRAA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PRAA is poor value based on its PE Ratio (10x) compared to the US Consumer Finance industry average (8x).
PE vs Market: PRAA is good value based on its PE Ratio (10x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: PRAA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: PRAA is good value based on its PB Ratio (1.3x) compared to the US Consumer Finance industry average (1.6x).
How is PRA Group forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PRAA's earnings are forecast to decline over the next 3 years (-7.6% per year).
Earnings vs Market: PRAA's earnings are forecast to decline over the next 3 years (-7.6% per year).
High Growth Earnings: PRAA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: PRAA's revenue is expected to decline over the next 3 years (-4% per year).
High Growth Revenue: PRAA's revenue is forecast to decline over the next 3 years (-4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PRAA's Return on Equity is forecast to be low in 3 years time (11.9%).
How has PRA Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PRAA has high quality earnings.
Growing Profit Margin: PRAA's current net profit margins (16.7%) are higher than last year (12.4%).
Past Earnings Growth Analysis
Earnings Trend: PRAA's earnings have grown by 7% per year over the past 5 years.
Accelerating Growth: PRAA's earnings growth over the past year (44.3%) exceeds its 5-year average (7% per year).
Earnings vs Industry: PRAA earnings growth over the past year (44.3%) underperformed the Consumer Finance industry 126.5%.
Return on Equity
High ROE: PRAA's Return on Equity (14%) is considered low.
How is PRA Group's financial position?
Financial Position Analysis
Short Term Liabilities: PRAA's short term assets ($3.5B) exceed its short term liabilities ($257.8M).
Long Term Liabilities: PRAA's short term assets ($3.5B) exceed its long term liabilities ($2.5B).
Debt to Equity History and Analysis
Debt Level: PRAA's debt to equity ratio (165.2%) is considered high.
Reducing Debt: PRAA's debt to equity ratio has reduced from 204.7% to 165.2% over the past 5 years.
Debt Coverage: PRAA's debt is not well covered by operating cash flow (1.7%).
Interest Coverage: PRAA's interest payments on its debt are not well covered by EBIT (3x coverage).
What is PRA Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PRAA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PRAA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PRAA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PRAA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PRAA's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kevin Stevenson (56 yo)
Mr. Kevin P. Stevenson co-founded PRA Group, Inc. (Formerly known as Portfolio Recovery Associates, Inc.) in 1996 and has been its President since August 2016 and Chief Executive Officer since June 1, 2017...
CEO Compensation Analysis
Compensation vs Market: Kevin's total compensation ($USD5.54M) is above average for companies of similar size in the US market ($USD3.69M).
Compensation vs Earnings: Kevin's compensation has been consistent with company performance over the past year.
Experienced Management: PRAA's management team is seasoned and experienced (5.1 years average tenure).
Experienced Board: PRAA's board of directors are considered experienced (6.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PRA Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: PRA Group, Inc.
- Ticker: PRAA
- Exchange: NasdaqGS
- Founded: 1996
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.868b
- Shares outstanding: 45.84m
- Website: https://www.pragroup.com
Number of Employees
- PRA Group, Inc.
- 120 Corporate Boulevard
- United States
PRA Group, Inc., a services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accou...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/19 22:03|
|End of Day Share Price||2021/09/17 00:00|
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.