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PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
01/06/2026: PRAA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $22.67
1 Year Target Price $22.67
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.37% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/06/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 663.86M USD | Price to earnings Ratio - | 1Y Target Price 22.67 |
Price to earnings Ratio - | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 1.33 | 52 Weeks Range 12.29 - 23.97 | Updated Date 01/6/2026 |
52 Weeks Range 12.29 - 23.97 | Updated Date 01/6/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -8.74 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -29.55% | Operating Margin (TTM) 31.2% |
Management Effectiveness
Return on Assets (TTM) 4.42% | Return on Equity (TTM) -28.81% |
Valuation
Trailing PE - | Forward PE 11.57 | Enterprise Value 4149462926 | Price to Sales(TTM) 0.57 |
Enterprise Value 4149462926 | Price to Sales(TTM) 0.57 | ||
Enterprise Value to Revenue 3.54 | Enterprise Value to EBITDA 16.4 | Shares Outstanding 39015442 | Shares Floating 35582863 |
Shares Outstanding 39015442 | Shares Floating 35582863 | ||
Percent Insiders 1.84 | Percent Institutions 97.85 |
Upturn AI SWOT
PRA Group Inc
Company Overview
History and Background
PRA Group Inc. was founded in 1996 as Portfolio Recovery Associates. It is a global leader in acquiring and collecting non-performing loans. Over the years, the company has expanded its operations internationally and diversified its service offerings.
Core Business Areas
- Consumer Debt Purchasing and Collection: PRA Group acquires portfolios of distressed consumer debt from financial institutions, retailers, and other businesses. They then employ sophisticated collection strategies to recover outstanding balances.
- Vehicle Finance: The company provides financing for vehicles, particularly for individuals with challenged credit histories.
- Loan Servicing: PRA Group also offers loan servicing for third-party clients, managing accounts and collections on their behalf.
Leadership and Structure
The company is led by its executive management team, including a Chief Executive Officer, Chief Financial Officer, and other key executives responsible for various operational and strategic functions. The organizational structure is typically divided into regional and functional units.
Top Products and Market Share
Key Offerings
- Non-Performing Loan Portfolios: Acquisition and collection of various types of consumer debt, including credit card debt, auto loans, and personal loans. This is the primary driver of revenue. Competitors include Encore Capital Group (ECPG), Lexington Law, and various smaller debt collection agencies and specialized buyers. Market share data is proprietary and not publicly disclosed at a granular product level.
- Vehicle Financing: Offering loans to individuals who may not qualify for traditional financing. Competitors include subprime auto lenders and buy-here-pay-here dealerships. Specific market share data is not publicly available.
Market Dynamics
Industry Overview
The debt collection industry is driven by the volume of distressed consumer debt. Economic downturns and increased consumer credit usage can lead to higher volumes of non-performing loans. The industry is highly regulated, with significant compliance requirements.
Positioning
PRA Group is a leading player in the debt purchasing and collection market, known for its sophisticated data analytics, proprietary collection strategies, and global reach. Its competitive advantages include its scale, technology, and established relationships with originators of debt.
Total Addressable Market (TAM)
The total addressable market for distressed debt acquisition is substantial, encompassing billions of dollars in outstanding non-performing consumer debt globally. PRA Group is well-positioned to capture a significant portion of this market due to its established infrastructure and proven acquisition and collection capabilities.
Upturn SWOT Analysis
Strengths
- Extensive experience and expertise in debt purchasing and collection.
- Strong data analytics and technology capabilities.
- Global operational footprint.
- Diversified revenue streams (debt purchasing, vehicle finance, servicing).
- Established relationships with debt originators.
Weaknesses
- Reliance on the economic cycle and consumer credit performance.
- Potential for negative public perception and regulatory scrutiny.
- High acquisition costs for desirable debt portfolios.
- Integration challenges with acquired companies.
Opportunities
- Expansion into new geographic markets.
- Acquisition of new debt types and portfolios.
- Leveraging technology for enhanced collection efficiency.
- Growth in the vehicle finance segment.
- Potential for increased debt volumes during economic slowdowns.
Threats
- Increasing regulatory oversight and compliance burdens.
- Competitors with aggressive acquisition strategies.
- Changes in consumer behavior and repayment patterns.
- Economic recessions leading to higher delinquency rates and potential defaults.
- Data security breaches and associated liabilities.
Competitors and Market Share
Key Competitors
- Encore Capital Group (ECPG)
- Portfolio Recovery Associates Inc (PRA)
Competitive Landscape
PRA Group competes with other large debt buyers and collection agencies. Its advantages lie in its scale, technological sophistication, and global reach. However, it faces intense competition for desirable debt portfolios and operates in a highly regulated environment.
Growth Trajectory and Initiatives
Historical Growth: PRA Group has demonstrated historical growth through strategic acquisitions and organic expansion of its debt purchasing and collection operations. Revenue and profitability have generally trended upwards over extended periods, though with some cyclicality.
Future Projections: Analyst projections typically focus on continued revenue growth driven by portfolio acquisitions and operational efficiencies. Forward-looking statements from management often highlight expansion into new markets and product lines.
Recent Initiatives: Recent initiatives likely include investments in technology to enhance data analytics, expansion into new international markets, and strategic acquisitions of distressed debt portfolios.
Summary
PRA Group Inc is a well-established leader in the distressed debt market, with a strong operational foundation and global presence. Its core strengths lie in data analytics and strategic debt acquisition. However, the company is susceptible to regulatory changes and economic downturns, which could impact its performance. Continued focus on operational efficiency and diversification will be key to its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Analyst Reports
Disclaimers:
This JSON output is generated for informational purposes only and should not be considered financial advice. Data accuracy and completeness are subject to the availability and reliability of the sources used. Market share data is often estimated and may not be precise. Investors should conduct their own due diligence 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 2814 | Website https://www.pragroup.com |
Full time employees 2814 | 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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