Pra Group Stock Analysis

PRAA Stock  USD 12.87  0.08  0.63%   
Below is the normalized historical share price chart for PRA Group extending back to November 08, 2002. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of PRA stands at 12.87, as last reported on the 2nd of February, with the highest price reaching 13.17 and the lowest price hitting 12.64 during the day.
IPO Date
8th of November 2002
200 Day MA
15.7839
50 Day MA
16.5686
Beta
1.328
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
PRA Group holds a debt-to-equity ratio of 2.046. At present, PRA's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Net Debt is expected to grow to about 3.9 B, whereas Short Term Debt is forecasted to decline to about 10.9 M. With a high degree of financial leverage come high-interest payments, which usually reduce PRA's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

PRA's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. PRA's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps PRA Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect PRA's stakeholders.
For most companies, including PRA, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for PRA Group, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, PRA's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
0.5383
Enterprise Value Ebitda
16.4045
Price Sales
0.4302
Shares Float
35.6 M
Wall Street Target Price
26
At present, PRA's Common Stock Shares Outstanding is projected to decrease significantly based on the last few years of reporting. The current year's Liabilities And Stockholders Equity is expected to grow to about 6 B, whereas Total Stockholder Equity is forecasted to decline to about 723.5 M. . The current year's Price Earnings Ratio is expected to grow to 17.68, whereas Price To Sales Ratio is forecasted to decline to 0.80.
PRA Group is undervalued with Real Value of 15.81 and Target Price of 26.0. The main objective of PRA stock analysis is to determine its intrinsic value, which is an estimate of what PRA Group is worth, separate from its market price. There are two main types of PRA's stock analysis: fundamental analysis and technical analysis.
The PRA stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and PRA's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in PRA Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.

PRA Stock Analysis Notes

About 97.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.54. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. PRA Group recorded a loss per share of 8.74. The entity last dividend was issued on the 7th of May 2007. The firm had 3:1 split on the 2nd of August 2013. PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia. Pra operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 3361 people. To find out more about PRA Group contact Steven Fredrickson at 888 772 7326 or learn more at https://www.pragroup.com.

PRA Group Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. PRA's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding PRA Group or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
PRA Group had very high historical volatility over the last 90 days
PRA Group currently holds about 89.58 M in cash with (94.59 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 2.3.
PRA Group has a poor financial position based on the latest SEC disclosures
Over 97.0% of the company shares are owned by institutional investors
Latest headline from news.google.com: PRA Group Shares Gap Down - Time to Sell - MarketBeat

PRA Largest EPS Surprises

Earnings surprises can significantly impact PRA's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2003-07-30
2003-06-300.10.110.0110 
2003-02-10
2002-12-310.070.080.0114 
2003-04-23
2003-03-310.080.10.0225 
View All Earnings Estimates

PRA Environmental, Social, and Governance (ESG) Scores

PRA's ESG score is a quantitative measure that evaluates PRA's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of PRA's operations that may have significant financial implications and affect PRA's stock price as well as guide investors towards more socially responsible investments.

PRA Stock Institutional Investors

Shares
D. E. Shaw & Co Lp2025-06-30
817.4 K
Jacobs Levy Equity Management, Inc.2025-06-30
696.3 K
Capital Management Corp2025-06-30
551.5 K
Morgan Stanley - Brokerage Accounts2025-06-30
542.1 K
Charles Schwab Investment Management Inc2025-06-30
542 K
Bank Of America Corp2025-06-30
466.3 K
Ameriprise Financial Inc2025-06-30
428.1 K
Northern Trust Corp2025-06-30
407.9 K
Invenomic Capital Management, Lp2025-06-30
362.4 K
Blackrock Inc2025-06-30
7.3 M
Vanguard Group Inc2025-06-30
3.7 M
Note, although PRA's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

PRA Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 499.75 M.

PRA Profitablity

The company has Profit Margin (PM) of (0.3) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of 0.31 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.31.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed 0.09  0.08 
Return On Assets 0.02  0.02 
Return On Equity 0.07  0.07 

Management Efficiency

PRA Group has return on total asset (ROA) of 0.0442 % which means that it generated a profit of $0.0442 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.2881) %, meaning that it created substantial loss on money invested by shareholders. PRA's management efficiency ratios could be used to measure how well PRA manages its routine affairs as well as how well it operates its assets and liabilities. As of February 2, 2026, Return On Tangible Assets is expected to decline to 0.02. In addition to that, Return On Capital Employed is expected to decline to 0.08. At present, PRA's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 5.2 B, whereas Other Assets are projected to grow to (38.8 M).
Last ReportedProjected for Next Year
Book Value Per Share 27.28  28.64 
Tangible Book Value Per Share 18.22  19.13 
Enterprise Value Over EBITDA 17.56  27.28 
Price Book Value Ratio 0.83  0.79 
Enterprise Value Multiple 17.56  27.28 
Price Fair Value 0.83  0.79 
Enterprise Value1.9 BB
Evaluating the management effectiveness of PRA allows investors to assess its financial health and operational efficiency. Coupled with an analysis of its growth prospects and the current market dynamics, we evaluate the stock's true value and future potential. Key indicators such as revenue, earnings or debt levels are examined alongside external factors like economic trends and regulatory changes. The PRA Stock analysis seeks to determine whether the stock is undervalued, appropriately priced, or overvalued, thereby guiding your investment decisions.
Operating Margin
0.312
Profit Margin
(0.30)
Beta
1.328
Return On Assets
0.0442
Return On Equity
(0.29)

Technical Drivers

As of the 2nd of February, PRA owns the coefficient of variation of (2,629), and Market Risk Adjusted Performance of (0.08). 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 Group Price Movement Analysis

Execute Study
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. PRA middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for PRA Group. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

PRA Group Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific PRA insiders, such as employees or executives, is commonly permitted as long as it does not rely on PRA's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases PRA insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

PRA Outstanding Bonds

PRA issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. PRA Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most PRA bonds can be classified according to their maturity, which is the date when PRA Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

PRA Predictive Daily Indicators

PRA intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of PRA stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

PRA Corporate Filings

13A
21st of January 2026
An amended filing to the original Schedule 13G
ViewVerify
F4
18th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
10th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
3rd of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13A
30th of October 2025
An amended filing to the original Schedule 13G
ViewVerify
8K
1st of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
24th of September 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
22nd of September 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

PRA Forecast Models

PRA's time-series forecasting models are one of many PRA's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary PRA's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

PRA Bond Ratings

PRA Group financial ratings play a critical role in determining how much PRA have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for PRA's borrowing costs.
Piotroski F Score
4
PoorView
Beneish M Score
(1.96)
Possible ManipulatorView

PRA Group Debt to Cash Allocation

As PRA Group follows its natural business cycle, the capital allocation decisions will not magically go away. PRA's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
PRA Group currently holds 3.36 B in liabilities with Debt to Equity (D/E) ratio of 2.05, implying the company greatly relies on financing operations through barrowing. PRA Group has a current ratio of 5.53, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about PRA's use of debt, we should always consider it together with its cash and equity.

PRA Total Assets Over Time

PRA Assets Financed by Debt

The debt-to-assets ratio shows the degree to which PRA uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

PRA Debt Ratio

    
  34.0   
It appears about 66% of PRA's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the PRA's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of PRA, which in turn will lower the firm's financial flexibility.

PRA Corporate Bonds Issued

Most PRA bonds can be classified according to their maturity, which is the date when PRA Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

PRA Short Long Term Debt Total

Short Long Term Debt Total

4.06 Billion

At present, PRA's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About PRA Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how PRA prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling PRA shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as PRA. By using and applying PRA Stock analysis, traders can create a robust methodology for identifying PRA entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.10  0.11 
Operating Profit Margin 0.35  0.61 
Net Profit Margin 0.07  0.07 
Gross Profit Margin 0.70  0.80 

Current PRA Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. PRA analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. PRA analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
26.0Buy4Odds
PRA Group current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most PRA analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand PRA stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of PRA Group, talking to its executives and customers, or listening to PRA conference calls.
PRA Analyst Advice Details

PRA Stock Analysis Indicators

PRA Group stock analysis indicators help investors evaluate how PRA stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading PRA shares will generate the highest return on investment. By understating and applying PRA stock analysis, traders can identify PRA position entry and exit signals to maximize returns.
Begin Period Cash Flow113.7 M
Long Term Debt3.3 B
Common Stock Shares Outstanding39.5 M
Total Stockholder Equity1.1 B
Total Cashflows From Investing Activities-382.5 M
Tax Provision21 M
Quarterly Earnings Growth Y O Y0.996
Property Plant And Equipment Net61.7 M
Cash And Short Term Investments161.7 M
Cash105.9 M
Net Debt3.3 B
50 Day M A16.5686
Total Current Liabilities333.2 M
Other Operating Expenses784.1 M
Non Current Assets Total609.2 M
Forward Price Earnings11.5741
Non Currrent Assets Other65.5 M
Stock Based Compensation13.5 M

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When running PRA's price analysis, check to measure PRA's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PRA is operating at the current time. Most of PRA's value examination focuses on studying past and present price action to predict the probability of PRA's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PRA's price. Additionally, you may evaluate how the addition of PRA to your portfolios can decrease your overall portfolio volatility.
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