A Business at a Glance
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We are a specialty finance company headquartered in Norfolk, Virginia and incorporated in Delaware. Our primary business is the purchase, collection and management of nonperforming loan portfolios, and we are a global leader in the industry. Most of the loans we purchase are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them ("Core" accounts). To a lesser extent, we also purchase loans in situations where the customer is involved in a bankruptcy or similar proceeding ("Insolvency" accounts). As part of an ancillary business, we purchase and provide fee-based services for class action claims recoveries in the U.S. We are organized on a geographic basis, with our principal markets in the U.S. and Europe, where we have operations in 12 countries and the United Kingdom ("UK"). On a significantly smaller scale, we also operate in South America, Canada and Australia.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.2B | 1.2B | 1.1B | 803M | 967M | 1.1B |
| Net Income | -305M | -305M | 71M | -83M | 117M | 183M |
| EPS | $-7.79 | $-7.79 | $1.79 | $-2.13 | $2.94 | $4.04 |
| Free Cash Flow | -90M | -90M | -99M | -100M | 8.3M | 74M |
| ROIC | -2.7% | -23.7% | 5.1% | -6.9% | 9.3% | 13.7% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.01 | 0.01 | 0.39 | 0.01 | 0.00 | 0.27 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | -30M | -30M | 340M | 100M | 286M | 375M |
| Operating Margin | -2.5% | -2.5% | 30.5% | 12.5% | 29.6% | 34.2% |
| ROE | -31.1% | -28.9% | 6.1% | -7.0% | 9.3% | 13.9% |
| Shares Outstanding | 39M | 39M | 39M | 39M | 40M | 45M |
PRA GROUP INC passes 1 of 9 quality checks, indicating weak fundamentals.
Total shareholder yield (buybacks) is 2.6%. At current prices, the estimated annualized return to fair value is -19.4%.
PRA GROUP INC (PRAA) has a 5-year average return on invested capital (ROIC) of -0.5%. This is below average and may indicate limited pricing power.
PRA GROUP INC (PRAA) has a market capitalization of $769M. It is classified as a small-cap stock.
PRA GROUP INC (PRAA) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 2.60%.
PRA GROUP INC (PRAA) operates in the Short-Term Business Credit Institutions industry, within the Financials sector.
PRA GROUP INC (PRAA) reported annual revenue of $1.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
PRA GROUP INC (PRAA) has a net profit margin of -25.4%. The company is currently unprofitable.
PRA GROUP INC (PRAA) generated $-90 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
PRA GROUP INC (PRAA) has a debt-to-equity ratio of 0.01. This indicates a conservatively financed balance sheet.
PRA GROUP INC (PRAA) reported earnings per share (EPS) of $-7.79 in its most recent fiscal year.
PRA GROUP INC (PRAA) has a return on equity (ROE) of -28.9%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 16 years of financial data for PRA GROUP INC (PRAA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PRA GROUP INC (PRAA) has a book value per share of $25.01, based on its most recent annual SEC filing.
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