PRA Group Net Income
| PRAA Stock | USD 12.79 0.17 1.31% |
As of the 30th of January, PRA owns the market risk adjusted performance of (0.08), and Coefficient Of Variation of (2,686). In relation to fundamental indicators, the technical analysis model allows you to check practical technical drivers of PRA Group, as well as the relationship between them.
PRA Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.3872 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income Applicable To Common Shares | 134.7 M | 93.8 M | |
| Net Income | 101.9 M | 90.4 M | |
| Net Income From Continuing Ops | 79.7 M | 95 M | |
| Net Income Per Share | 1.61 | 1.34 | |
| Net Income Per E B T | 0.58 | 0.55 |
PRA | Net Income | Build AI portfolio with PRA Stock |
Analyzing PRA's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing PRA's current valuation and future prospects.
Latest PRA's Net Income Growth Pattern
Below is the plot of the Net Income of PRA Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in PRA Group financial statement analysis. It represents the amount of money remaining after all of PRA Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is PRA's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in PRA's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 88.57 M | 10 Years Trend |
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Net Income |
| Timeline |
PRA Net Income Regression Statistics
| Arithmetic Mean | 103,283,314 | |
| Coefficient Of Variation | 66.99 | |
| Mean Deviation | 51,062,410 | |
| Median | 100,791,000 | |
| Standard Deviation | 69,186,971 | |
| Sample Variance | 4786.8T | |
| Range | 266.6M | |
| R-Value | (0.22) | |
| Mean Square Error | 4853.1T | |
| R-Squared | 0.05 | |
| Significance | 0.39 | |
| Slope | (3,048,954) | |
| Total Sum of Squares | 76589.4T |
PRA Net Income History
Other Fundumenentals of PRA Group
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
PRA Net Income component correlations
PRA Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for PRA is extremely important. It helps to project a fair market value of PRA Stock properly, considering its historical fundamentals such as Net Income. Since PRA's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of PRA's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of PRA's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PRA. Anticipated expansion of PRA directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive PRA assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.996 | Earnings Share (8.74) | Revenue Per Share | Quarterly Revenue Growth 0.105 | Return On Assets |
The market value of PRA Group is measured differently than its book value, which is the value of PRA that is recorded on the company's balance sheet. Investors also form their own opinion of PRA's value that differs from its market value or its book value, called intrinsic value, which is PRA's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PRA's market value can be influenced by many factors that don't directly affect PRA's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between PRA's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding PRA should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, PRA's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
PRA 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to PRA's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of PRA.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in PRA on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding PRA Group or generate 0.0% return on investment in PRA over 90 days. PRA is related to or competes with Donegal Group, American Coastal, Gladstone Investment, Midland States, BitFuFu, Northpointe Bancshares, and General American. PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portf... More
PRA Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure PRA's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess PRA Group upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.05) | |||
| Maximum Drawdown | 26.01 | |||
| Value At Risk | (5.35) | |||
| Potential Upside | 4.92 |
PRA Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for PRA's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as PRA's standard deviation. In reality, there are many statistical measures that can use PRA historical prices to predict the future PRA's volatility.| Risk Adjusted Performance | (0.02) | |||
| Jensen Alpha | (0.24) | |||
| Total Risk Alpha | (0.42) | |||
| Treynor Ratio | (0.09) |
PRA January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (0.08) | |||
| Mean Deviation | 2.44 | |||
| Coefficient Of Variation | (2,686) | |||
| Standard Deviation | 3.81 | |||
| Variance | 14.49 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.24) | |||
| Total Risk Alpha | (0.42) | |||
| Treynor Ratio | (0.09) | |||
| Maximum Drawdown | 26.01 | |||
| Value At Risk | (5.35) | |||
| Potential Upside | 4.92 | |||
| Skewness | (1.78) | |||
| Kurtosis | 7.31 |
PRA Group Backtested Returns
PRA Group retains Efficiency (Sharpe Ratio) of -0.039, which implies the firm had a -0.039 % return per unit of risk over the last 3 months. PRA exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check PRA's coefficient of variation of (2,686), and Market Risk Adjusted Performance of (0.08) to confirm the risk estimate we provide. The company owns a Beta (Systematic Risk) of 1.68, which implies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, PRA will likely underperform. At this point, PRA Group has a negative expected return of -0.15%. Please make sure to check PRA's potential upside, day median price, and the relationship between the treynor ratio and accumulation distribution , to decide if PRA Group performance from the past will be repeated at future time.
Auto-correlation | -0.38 |
Poor reverse predictability
PRA Group has poor reverse predictability. Overlapping area represents the amount of predictability between PRA time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of PRA Group price movement. The serial correlation of -0.38 indicates that just about 38.0% of current PRA price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.38 | |
| Spearman Rank Test | -0.63 | |
| Residual Average | 0.0 | |
| Price Variance | 1.35 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
PRA Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, PRA Group reported net income of 88.57 M. This is 93.07% lower than that of the Consumer Finance sector and 93.51% lower than that of the Financials industry. The net income for all United States stocks is 84.49% higher than that of the company.
PRA Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses PRA's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of PRA could also be used in its relative valuation, which is a method of valuing PRA by comparing valuation metrics of similar companies.PRA is currently under evaluation in net income category among its peers.
PRA ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, PRA's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to PRA's managers, analysts, and investors.Environmental | Governance | Social |
PRA Institutional Holders
Institutional Holdings refers to the ownership stake in PRA that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of PRA's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing PRA's value.| Shares | D. E. Shaw & Co Lp | 2025-06-30 | 817.4 K | Jacobs Levy Equity Management, Inc. | 2025-06-30 | 696.3 K | Capital Management Corp | 2025-06-30 | 551.5 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 542.1 K | Charles Schwab Investment Management Inc | 2025-06-30 | 542 K | Bank Of America Corp | 2025-06-30 | 466.3 K | Ameriprise Financial Inc | 2025-06-30 | 428.1 K | Northern Trust Corp | 2025-06-30 | 407.9 K | Invenomic Capital Management, Lp | 2025-06-30 | 362.4 K | Blackrock Inc | 2025-06-30 | 7.3 M | Vanguard Group Inc | 2025-06-30 | 3.7 M |
PRA Fundamentals
| Return On Equity | -0.29 | ||||
| Return On Asset | 0.0442 | ||||
| Profit Margin | (0.30) % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | 3.97 B | ||||
| Shares Outstanding | 39.02 M | ||||
| Shares Owned By Insiders | 1.83 % | ||||
| Shares Owned By Institutions | 97.13 % | ||||
| Number Of Shares Shorted | 717.16 K | ||||
| Price To Earning | 10.40 X | ||||
| Price To Book | 0.54 X | ||||
| Price To Sales | 0.43 X | ||||
| Revenue | 1.12 B | ||||
| Gross Profit | 1.16 B | ||||
| EBITDA | 209.13 M | ||||
| Net Income | 88.57 M | ||||
| Cash And Equivalents | 89.58 M | ||||
| Cash Per Share | 2.30 X | ||||
| Total Debt | 3.36 B | ||||
| Debt To Equity | 2.05 % | ||||
| Current Ratio | 5.64 X | ||||
| Book Value Per Share | 23.76 X | ||||
| Cash Flow From Operations | (94.59 M) | ||||
| Short Ratio | 1.94 X | ||||
| Earnings Per Share | (8.74) X | ||||
| Price To Earnings To Growth | 5.88 X | ||||
| Target Price | 26.0 | ||||
| Number Of Employees | 2.81 K | ||||
| Beta | 1.33 | ||||
| Market Capitalization | 499.75 M | ||||
| Total Asset | 4.93 B | ||||
| Retained Earnings | 1.56 B | ||||
| Working Capital | 3.99 B | ||||
| Current Asset | 116.93 M | ||||
| Current Liabilities | 333.92 M | ||||
| Net Asset | 4.93 B |
About PRA Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze PRA Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of PRA using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of PRA Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PRA. Anticipated expansion of PRA directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive PRA assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.996 | Earnings Share (8.74) | Revenue Per Share | Quarterly Revenue Growth 0.105 | Return On Assets |
The market value of PRA Group is measured differently than its book value, which is the value of PRA that is recorded on the company's balance sheet. Investors also form their own opinion of PRA's value that differs from its market value or its book value, called intrinsic value, which is PRA's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PRA's market value can be influenced by many factors that don't directly affect PRA's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between PRA's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding PRA should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, PRA's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.