Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
PRAA logo PRAA
Upturn stock ratingUpturn stock rating
PRAA logo

PRA Group Inc (PRAA)

Upturn stock ratingUpturn stock rating
$14.75
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: PRAA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $25.33

1 Year Target Price $25.33

Analysts Price Target For last 52 week
$25.33Target price
Low$12.91
Current$14.75
high$27.54

Analysis of Past Performance

Type Stock
Historic Profit -30.35%
Avg. Invested days 17
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 584.97M USD
Price to earnings Ratio 8.24
1Y Target Price 25.33
Price to earnings Ratio 8.24
1Y Target Price 25.33
Volume (30-day avg) 4
Beta 1.53
52 Weeks Range 12.91 - 27.54
Updated Date 06/30/2025
52 Weeks Range 12.91 - 27.54
Updated Date 06/30/2025
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 8.24
Forward PE 11.57
Enterprise Value 3906086767
Price to Sales(TTM) 0.52
Enterprise Value 3906086767
Price to Sales(TTM) 0.52
Enterprise Value to Revenue 3.43
Enterprise Value to EBITDA 18.07
Shares Outstanding 39658700
Shares Floating 38890510
Shares Outstanding 39658700
Shares Floating 38890510
Percent Insiders 1.78
Percent Institutions 99.72

Analyst Ratings

Rating 2
Target Price 25.33
Buy 1
Strong Buy 1
Buy 1
Strong Buy 1
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

PRA Group Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2991

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.