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PRA Group, Inc. PRAA

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Price alert · PRAA

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12.92 USD -7.50 (-36.73%)

At closeNov 6, 2026, 6:55 PM EST

12.87 -0.05 -0.39%

After hours · Nov 6, 6:55 PM ET

12.67 Day range 17.89
10.42 52-week range 22.23
YTD
-26.96%
1 year
-5.42%

Financial health

Altman Z-Score

0.99 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E -2.3×
FY 2016: 21.3×FY 2017: 9.4×FY 2018: 16.8×FY 2019: 19.1×FY 2020: 12.1×FY 2021: 12.3×FY 2022: 11.4×FY 2023: -12.3×FY 2024: 11.7×FY 2025: -2.3×
FY 2016 5y median 11.4× FY 2025
P/S 0.6×
FY 2016: 2.2×FY 2017: 1.8×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.7×FY 2021: 2.1×FY 2022: 1.4×FY 2023: 1.3×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 1.3× FY 2025
P/B 0.7×
FY 2016: 2.1×FY 2017: 1.4×FY 2018: 1.0×FY 2019: 1.4×FY 2020: 1.3×FY 2021: 1.8×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
P/FCF -7.7×
FY 2016: 9.4×FY 2017: -206×FY 2018: 18.3×FY 2019: 14.3×FY 2020: 14.5×FY 2021: 30.6×FY 2022: 161×FY 2023: -10.2×FY 2024: -8.3×FY 2025: -7.7×
FY 2016 5y median -7.7× FY 2025
EV/EBITDA 32.7×
FY 2016: 14.8×FY 2017: 17.4×FY 2018: 14.9×FY 2019: 15.8×FY 2020: 26.5×FY 2021: 22.6×FY 2022: 28.6×FY 2023: 507×FY 2024: 19.5×FY 2025: 32.7×
FY 2016 5y median 28.6× FY 2025
EV/Sales 0.5×
FY 2016: 4.2×FY 2017: 4.3×FY 2018: 4.0×FY 2019: 4.4×FY 2020: 5.6×FY 2021: 5.5×FY 2022: 5.0×FY 2023: 6.5×FY 2024: 3.6×FY 2025: 0.5×
FY 2016 5y median 5.0× FY 2025
FCF Yield -13.0%
FY 2016: 10.6%FY 2017: -0.5%FY 2018: 5.5%FY 2019: 7.0%FY 2020: 6.9%FY 2021: 3.3%FY 2022: 0.6%FY 2023: -9.8%FY 2024: -12.0%FY 2025: -13.0%
FY 2016 5y median -9.8% FY 2025

Profitability

Gross Margin 99.2%
FY 2016: 68.9%FY 2017: 58.1%FY 2018: 63.6%FY 2019: 68.8%FY 2020: 59.0%FY 2021: 61.1%FY 2022: 56.9%FY 2023: 51.0%FY 2024: 61.0%FY 2025: 99.2%
FY 2016 5y median 61.0% FY 2025
Operating Margin 33.9%
FY 2016: 26.4%FY 2017: 26.0%FY 2018: 21.1%FY 2019: 24.9%FY 2020: 32.8%FY 2021: 34.2%FY 2022: 29.6%FY 2023: 12.3%FY 2024: 30.2%FY 2025: 33.9%
FY 2016 5y median 30.2% FY 2025
Net Margin -24.6%
FY 2016: 10.4%FY 2017: 20.0%FY 2018: 7.5%FY 2019: 8.7%FY 2020: 14.0%FY 2021: 16.7%FY 2022: 12.1%FY 2023: -10.2%FY 2024: 6.3%FY 2025: -24.6%
FY 2016 5y median 6.3% FY 2025
ROE -31.1%
FY 2016: 10.0%FY 2017: 15.1%FY 2018: 6.0%FY 2019: 7.4%FY 2020: 11.1%FY 2021: 14.2%FY 2022: 9.5%FY 2023: -7.2%FY 2024: 6.2%FY 2025: -31.1%
FY 2016 5y median 6.2% FY 2025
ROIC 181.0%
FY 2016: 5.0%FY 2017: 5.9%FY 2018: 4.2%FY 2019: 4.9%FY 2020: 4.9%FY 2021: 5.6%FY 2022: 4.4%FY 2023: 1.4%FY 2024: 6.0%FY 2025: 181.0%
FY 2016 5y median 5.6% FY 2025
ROA -6.0%
FY 2016: 2.7%FY 2017: 4.4%FY 2018: 1.7%FY 2019: 1.9%FY 2020: 3.4%FY 2021: 4.2%FY 2022: 2.8%FY 2023: -1.8%FY 2024: 1.4%FY 2025: -6.0%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 10.4%
FY 2016: -11.7%FY 2017: -1.2%FY 2018: 6.8%FY 2019: 13.4%FY 2020: 7.0%FY 2021: 2.8%FY 2022: -11.8%FY 2023: -15.6%FY 2024: 37.8%FY 2025: 10.4%
FY 2016 FY 2025
Operating Income 23.8%
FY 2016: -29.2%FY 2017: -2.7%FY 2018: -13.3%FY 2019: 33.7%FY 2020: 41.2%FY 2021: 7.2%FY 2022: -23.8%FY 2023: -64.8%FY 2024: 238.1%FY 2025: 23.8%
FY 2016 FY 2025
EPS (diluted) -535.2%
FY 2016: -47.3%FY 2017: 93.4%FY 2018: -59.3%FY 2019: 31.3%FY 2020: 72.5%FY 2021: 23.9%FY 2022: -27.2%FY 2023: -172.4%FY 2024: 184.0%FY 2025: -535.2%
FY 2016 FY 2025
Free Cash Flow 8.4%
FY 2016: 1.7%FY 2017: -103.8%FY 2018: 919.3%FY 2019: 91.2%FY 2020: 7.9%FY 2021: -40.8%FY 2022: -88.7%FY 2023: -1304.0%FY 2024: 1.8%FY 2025: 8.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.7×
FY 2016: 13.3×FY 2017: 14.6×FY 2018: 2.4×FY 2019: 1.8×FY 2020: 13.8×FY 2021: 12.9×FY 2022: 13.5×FY 2023: 14.2×FY 2024: 13.0×FY 2025: 1.7×
FY 2016 5y median 13.0× FY 2025
Quick Ratio 1.7×
FY 2016: 13.3×FY 2017: 14.6×FY 2018: 2.4×FY 2019: 1.8×FY 2020: 13.8×FY 2021: 12.9×FY 2022: 13.5×FY 2023: 14.2×FY 2024: 13.0×FY 2025: 1.7×
FY 2016 5y median 13.0× FY 2025
Debt / Equity 0.0×
FY 2016: 2.1×FY 2017: 2.0×FY 2018: 2.3×FY 2019: 2.5×FY 2020: 3.2×FY 2021: 3.0×FY 2022: 2.9×FY 2023: 3.8×FY 2024: 3.0×FY 2025: 0.0×
FY 2016 5y median 3.0× FY 2025
Net Debt / EBITDA -3.8×
FY 2016: 7.1×FY 2017: 10.0×FY 2018: 10.2×FY 2019: 9.9×FY 2020: 18.5×FY 2021: 14.1×FY 2022: 20.7×FY 2023: 409×FY 2024: 15.6×FY 2025: -3.8×
FY 2016 5y median 15.6× FY 2025
Interest Coverage 1.7×
FY 2016: 2.9×FY 2017: 8.7×FY 2018: 1.5×FY 2019: 1.7×FY 2020: 9.9×FY 2021: 9.6×FY 2022: 5.5×FY 2023: 1.3×FY 2024: 3.8×FY 2025: 1.7×
FY 2016 5y median 3.8× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31