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Upturn AI Summary - About
PRA Group Inc(PRAA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PRAA
10/02/2026: PRAA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
PRA Group Inc is a global financial services firm that acquires and manages non-performing consumer debt portfolios. The company holds a significant position in the debt purchasing industry, benefiting from extensive data analytics and established relationships with major financial institutions. Its primary growth opportunity lies in its ability to navigate international markets and leverage digital tools to improve collection efficiency. However, the company faces notable risks, including cyclical revenue trends, strict consumer protection regulations, and competition for debt assets. This stock may suit investors willing to accept volatility and regulatory risk in exchange for potential growth during credit cycles, though it remains unsuitable for those prioritizing dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through cyclical debt supply but is constrained by regulatory and macroeconomic sensitivity. |
| Momentum investor | Mixed fit | The stock is highly sensitive to market cycles and news flow, making it a potential fit only during strong industry upturns. |
| Value investor | Mixed fit | Investors may find interest if the stock trades at a discount to book value, provided the portfolio quality is stable. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The inherent volatility of the debt collection industry and regulatory risks make this a higher-risk equity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is heavily influenced by cyclical market conditions and investor sentiment toward consumer credit. |
| Valuation risk | Medium | Valuations are contingent on the accuracy of long-term cash flow projections for purchased debt portfolios. |
| Competition risk | Medium | Competition for high-quality debt portfolios can pressure pricing and future returns on investment. |
| Business quality | Medium | The business relies on legal and operational efficiency in collecting debt across diverse jurisdictions. |
| Dividend income | Low / none | The company maintains a policy of reinvesting cash into the business rather than paying dividends. |
| Execution risk | Medium / high | Success depends on accurately valuing debt and managing complex, multi-jurisdictional legal environments. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -42.64% | Avg. Invested days 24 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 710.42M USD | Price to earnings Ratio - | 1Y Target Price 26 |
Price to earnings Ratio - | 1Y Target Price 26 | ||
Volume (30-day avg) 435.3K shares | Beta 1.11 | 52 Weeks Range 10.25 - 22.55 | Updated Date 10/02/2026 |
52 Weeks Range 10.25 - 22.55 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -6.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Finance Receivables | Income from collecting on debt portfolios purchased at a discount from original creditors. | The company makes money by successfully collecting more than the original cost of the debt it bought. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 11.57 | Enterprise Value 4.29B | Price to Sales(TTM) 0.53 |
Enterprise Value 4.29B | Price to Sales(TTM) 0.53 | ||
Enterprise Value to Revenue 3.19 | Enterprise Value to EBITDA 16.4 | Shares Outstanding 37.65M | Shares Floating 32.81M |
Shares Outstanding 37.65M | Shares Floating 32.81M | ||
Percent Insiders 2.33 | Percent Institutions 95.84 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About PRA Group Inc
Exchange NASDAQ | Headquarters 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 2417 | Website https://www.pragroup.com |
Full time employees 2417 | Website https://www.pragroup.com | ||
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include 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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