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Upturn AI SWOT - About
PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
07/03/2025: 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 $25.33
1 Year Target Price $25.33
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.35% | Avg. Invested days 17 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 619.47M USD | Price to earnings Ratio 8.73 | 1Y Target Price 25.33 |
Price to earnings Ratio 8.73 | 1Y Target Price 25.33 | ||
Volume (30-day avg) 4 | Beta 1.53 | 52 Weeks Range 12.91 - 27.54 | Updated Date 07/4/2025 |
52 Weeks Range 12.91 - 27.54 | Updated Date 07/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.27% | Operating Margin (TTM) 27.66% |
Management Effectiveness
Return on Assets (TTM) 4.52% | Return on Equity (TTM) 6.94% |
Valuation
Trailing PE 8.73 | Forward PE 11.57 | Enterprise Value 3927105878 | Price to Sales(TTM) 0.55 |
Enterprise Value 3927105878 | Price to Sales(TTM) 0.55 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA 18.17 | Shares Outstanding 39658700 | Shares Floating 38890510 |
Shares Outstanding 39658700 | Shares Floating 38890510 | ||
Percent Insiders 1.78 | Percent Institutions 99.72 |
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 is a global leader in acquiring and collecting nonperforming loans. Over the years, it has expanded its operations internationally, acquiring debt portfolios and focusing on ethical and compliant recovery practices.
Core Business Areas
- Americas Core: Acquiring and collecting nonperforming loans in the Americas. Focuses on legal collections and settlement negotiations with debtors. It includes the U.S. and Canada.
- Europe Core: Acquiring and collecting nonperforming loans in Europe. Employs a similar recovery strategy as the Americas core. It Includes countries like the UK and Germany.
- Insolvency: Focuses on debt recovery through insolvency proceedings across various geographies. This segment navigates bankruptcy laws and creditor rights.
- Fee Based Services: Offers fee-based services related to debt collection and recovery for third parties.
Leadership and Structure
PRA Group is led by Kevin Stevenson (President & CEO). The organizational structure includes various departments overseeing portfolio acquisition, legal compliance, collections operations, and financial management.
Top Products and Market Share
Key Offerings
- Nonperforming Loan (NPL) Portfolio Acquisition: PRA Group acquires NPL portfolios at a discount and then attempts to recover the outstanding debt. Market share information is difficult to pinpoint exactly but PRA Group is one of the top players in the US and Europe. Competitors include Encore Capital Group, Portfolio Recovery Associates (owned by Encore), and Aktiv Kapital (now Axactor). Revenue fluctuates based on purchase price and recovery rates.
- Debt Collection Services: PRA Group offers debt collection services for third-party clients on a fee basis. Revenue is dependent on collection success. Competitors in debt collection service include: Transworld Systems Inc, ConServe and IC System.
Market Dynamics
Industry Overview
The debt buying industry is driven by the increasing volume of consumer and commercial debt. The industry is heavily regulated and subject to economic cycles. Factors influencing the business include consumer spending, interest rates, and legal frameworks governing debt collection.
Positioning
PRA Group is a significant player in the debt buying market with operations in North America and Europe. It differentiates itself through its focus on compliance and ethical recovery practices.
Total Addressable Market (TAM)
The TAM is estimated to be in the tens of billions of dollars globally. PRA Group is positioned to capitalize on a portion of this market through strategic portfolio acquisitions and efficient recovery operations.
Upturn SWOT Analysis
Strengths
- Global presence in key markets
- Established track record in debt recovery
- Strong focus on compliance and ethical practices
- Experienced management team
- Diversified revenue streams through multiple recovery channels
Weaknesses
- Sensitivity to economic cycles
- High debt levels
- Regulatory scrutiny and compliance costs
- Potential for reputational damage due to debt collection practices
- Reliance on purchasing debt portfolios
Opportunities
- Expansion into new geographic markets
- Leveraging technology to improve collection efficiency
- Acquiring larger and more profitable debt portfolios
- Growth in the outsourcing of debt collection services
- Partnerships with financial institutions
Threats
- Increased regulatory oversight
- Economic downturns leading to lower recovery rates
- Increased competition in the debt buying market
- Changes in consumer protection laws
- Negative publicity related to debt collection practices
Competitors and Market Share
Key Competitors
- ECPG
- PRAA
Competitive Landscape
PRA Group faces competition from other large debt buyers. Competitive advantages include its global presence, established track record, and focus on compliance. Disadvantages include sensitivity to economic cycles and regulatory scrutiny.
Major Acquisitions
Resurgent Capital Services
- Year: 2015
- Acquisition Price (USD millions): 322.5
- Strategic Rationale: Expanded PRA Group's presence in the US and provided access to new debt portfolios.
Growth Trajectory and Initiatives
Historical Growth: PRA Group's historical growth has been driven by strategic portfolio acquisitions and expansion into new markets.
Future Projections: Future growth is dependent on market conditions, regulatory changes, and the company's ability to acquire and recover debt portfolios effectively.
Recent Initiatives: Recent initiatives focus on leveraging technology to improve collection efficiency and expanding into new markets.
Summary
PRA Group is a major player in the debt buying market, leveraging global operations and a focus on compliance. Economic downturns and regulatory changes pose risks, but strategic portfolio acquisitions drive growth. The company needs to ensure it is able to efficiently manage debt. While shareholders do not currently receive dividends, continued market share and acquisitions will provide future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Industry Reports
- Press Releases
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Financial data is subject to change. Consult a financial professional before making any investment decisions.
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 2991 | Website https://www.pragroup.com |
Full time employees 2991 | 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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