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Upturn AI SWOT - About
PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
09/15/2025: PRAA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $25.67
1 Year Target Price $25.67
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33.91% | Avg. Invested days 18 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 651.36M USD | Price to earnings Ratio 7.19 | 1Y Target Price 25.67 |
Price to earnings Ratio 7.19 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 4 | Beta 1.5 | 52 Weeks Range 12.91 - 25.43 | Updated Date 09/15/2025 |
52 Weeks Range 12.91 - 25.43 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.1% | Operating Margin (TTM) 29.58% |
Management Effectiveness
Return on Assets (TTM) 4.26% | Return on Equity (TTM) 8.19% |
Valuation
Trailing PE 7.19 | Forward PE 11.57 | Enterprise Value 4104512583 | Price to Sales(TTM) 0.58 |
Enterprise Value 4104512583 | Price to Sales(TTM) 0.58 | ||
Enterprise Value to Revenue 3.59 | Enterprise Value to EBITDA 16.69 | Shares Outstanding 39073700 | Shares Floating 36192403 |
Shares Outstanding 39073700 | Shares Floating 36192403 | ||
Percent Insiders 1.81 | Percent Institutions 101.43 |
Upturn AI SWOT
PRA Group Inc
Company Overview
History and Background
PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia. It has grown to become a global leader in acquiring and collecting nonperforming loans.
Core Business Areas
- Core Receivables Business: Acquires and manages portfolios of defaulted consumer receivables. This involves purchasing debt from banks, credit unions, and other financial institutions and then attempting to collect on that debt.
- Fee-Based Services: Provides fee-based services to banks and other financial institutions, including collection services and bankruptcy administration.
Leadership and Structure
PRA Group is led by a board of directors and a senior management team. The organizational structure is divided into functional areas such as operations, finance, and legal.
Top Products and Market Share
Key Offerings
- Core Receivables Portfolio: Purchases and manages defaulted consumer receivables. PRA Group's market share in the debt buying market is significant, but varies based on portfolio size and market conditions. Competitors include Encore Capital Group (ECPG) and Portfolio Recovery Associates (PRAA is PRA Group itself).
- Fee-Based Collection Services: Offers collection services on a contingency basis for debt owners. Revenue from these services is smaller compared to core receivables. Competitors are similar to core receivables, but also includes smaller collection agencies.
Market Dynamics
Industry Overview
The debt buying industry is influenced by economic conditions, consumer credit trends, and regulatory changes. Increased consumer debt levels and economic downturns typically create opportunities for debt buyers.
Positioning
PRA Group is one of the largest debt buyers in the U.S. and Europe, giving them economies of scale and market expertise.
Total Addressable Market (TAM)
The TAM for debt purchasing is in the hundreds of billions of dollars annually, based on the amount of consumer debt written off. PRA Group captures a small portion of this TAM, with potential for growth.
Upturn SWOT Analysis
Strengths
- Large portfolio of receivables
- Experienced management team
- Established relationships with major financial institutions
- Diversified geographic presence
Weaknesses
- Reliance on debt purchases
- Exposure to regulatory scrutiny
- Litigation risks
- Sensitivity to economic downturns
Opportunities
- Expansion into new markets
- Increased demand for debt collection services during economic downturns
- Technological advancements in collection processes
- Strategic acquisitions
Threats
- Increased competition in the debt buying market
- Changes in consumer credit laws
- Economic recession leading to reduced consumer spending
- Negative publicity and reputational risks
Competitors and Market Share
Key Competitors
- ECPG
- OCFS
- NTRS
Competitive Landscape
PRA Group competes primarily on price and operational efficiency. Its size and scale provide a competitive advantage, but it faces challenges from smaller, more nimble competitors.
Major Acquisitions
Resurgent Capital Services
- Year: 2017
- Acquisition Price (USD millions): 327
- Strategic Rationale: Expanded PRA Group's presence in the U.S. market.
Growth Trajectory and Initiatives
Historical Growth: PRA Group's growth has been driven by acquisitions and organic growth within its core receivables business.
Future Projections: Analyst estimates are required for future revenue, earnings, and cash flow. These estimates should factor in macroeconomic conditions, regulatory changes, and PRA Group's strategic initiatives.
Recent Initiatives: Potentially automation of collections process and expanding into new geographies.
Summary
PRA Group is a major player in the debt buying industry, leveraging its size and experience. Regulatory scrutiny and economic fluctuations are challenges it must navigate. Strategic initiatives and expansions are key to future growth. While no dividends are paid, active acquisitions and management of debt portfolios are working well for the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- SEC filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PRA Group Inc
Exchange NASDAQ | Headquaters Norfolk, VA, United States | ||
IPO Launch date 2002-11-08 | CEO, President & Director Mr. Martin Sjolund | ||
Sector Financial Services | Industry Credit Services | Full time employees 2897 | Website https://www.pragroup.com |
Full time employees 2897 | Website https://www.pragroup.com | ||
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. The company purchases accounts that are primarily unpaid obligations of individuals owed to credit originators. It also purchases and collects nonperforming loans, which are sold by credit originators when they choose not to pursue, or have been unsuccessful in, collecting the full balance owed. In addition, the company is involved in purchasing and collecting on nonperforming loans where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. Its nonperforming loans, includes general purpose and private label credit cards, consumer loans, auto loans, overdrafts, and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.
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