Pra Group Stock Analysis
| PRAA Stock | USD 12.87 0.08 0.63% |
IPO Date 8th of November 2002 | 200 Day MA 15.7839 | 50 Day MA 16.5686 | Beta 1.328 |
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 |
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 | 2003-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2003-02-10 | 2002-12-31 | 0.07 | 0.08 | 0.01 | 14 | ||
2003-04-23 | 2003-03-31 | 0.08 | 0.1 | 0.02 | 25 |
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 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 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 Reported | Projected 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 Reported | Projected 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 Value | 1.9 B | 2 B |
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.
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
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.
| US69354NAD84 Corp BondUS69354NAD84 | View | |
| PRAA 8375 01 FEB 28 Corp BondUS69354NAE67 | View | |
| PPL 739486 30 MAR 67 Corp BondUS69352PAC77 | View | |
| PPL CAP FDG Corp BondUS69352PAL76 | View | |
| PPG 12 15 MAR 26 Corp BondUS693506BU04 | View | |
| US693506BR74 Corp BondUS693506BR74 | View | |
| US693506BS57 Corp BondUS693506BS57 | View | |
| PPG INDS INC Corp BondUS693506BP19 | View |
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 | Poor | View |
| Beneish M Score | (1.96) | Possible Manipulator | View |
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 |
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 |
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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 Reported | Projected 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 Price | Consensus | # of Analysts | |
| 26.0 | Buy | 4 | Odds |
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 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 Flow | 113.7 M | |
| Long Term Debt | 3.3 B | |
| Common Stock Shares Outstanding | 39.5 M | |
| Total Stockholder Equity | 1.1 B | |
| Total Cashflows From Investing Activities | -382.5 M | |
| Tax Provision | 21 M | |
| Quarterly Earnings Growth Y O Y | 0.996 | |
| Property Plant And Equipment Net | 61.7 M | |
| Cash And Short Term Investments | 161.7 M | |
| Cash | 105.9 M | |
| Net Debt | 3.3 B | |
| 50 Day M A | 16.5686 | |
| Total Current Liabilities | 333.2 M | |
| Other Operating Expenses | 784.1 M | |
| Non Current Assets Total | 609.2 M | |
| Forward Price Earnings | 11.5741 | |
| Non Currrent Assets Other | 65.5 M | |
| Stock Based Compensation | 13.5 M |
Complementary Tools for PRA Stock analysis
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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