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Upturn AI SWOT - About
PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 667.77M USD | Price to earnings Ratio 7.3 | 1Y Target Price 25.67 |
Price to earnings Ratio 7.3 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 4 | Beta 1.54 | 52 Weeks Range 12.91 - 25.43 | Updated Date 08/29/2025 |
52 Weeks Range 12.91 - 25.43 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-04 | When - | Estimate 0.66 | Actual 1.08 |
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 7.3 | Forward PE 11.57 | Enterprise Value 4109592164 | Price to Sales(TTM) 0.59 |
Enterprise Value 4109592164 | Price to Sales(TTM) 0.59 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA 16.71 | Shares Outstanding 39073700 | Shares Floating 36192403 |
Shares Outstanding 39073700 | Shares Floating 36192403 | ||
Percent Insiders 1.81 | Percent Institutions 101.05 |
Upturn AI SWOT
PRA Group Inc
Company Overview
History and Background
PRA Group, Inc. was founded in 1996. It is a global leader in acquiring and collecting nonperforming loans. Over the years, the company has expanded its operations internationally, diversifying its revenue streams and customer base.
Core Business Areas
- Core Receivables Business: The company's primary business is the acquisition and collection of nonperforming loans (NPLs). PRA Group purchases portfolios of defaulted consumer debt and then uses its collection expertise to recover as much of the outstanding debt as possible.
- Fee-Based Services: PRA Group also provides fee-based services to banks and other financial institutions, including debt collection and litigation support. These services help clients manage their NPL portfolios more efficiently.
- Government Services: PRA Group provides audit and recovery services to government entities to help recover funds lost to fraud or other reasons.
Leadership and Structure
PRA Group has a traditional corporate structure with a CEO, CFO, and other key executives. The company's board of directors provides oversight and strategic guidance. The company has international operations, with management teams in various regions.
Top Products and Market Share
Key Offerings
- Acquisition and Collection of Nonperforming Loans (NPLs): PRA Group's core offering involves purchasing portfolios of NPLs, primarily from banks and credit institutions, and then employing collection strategies to recover outstanding debt. Market share is difficult to pinpoint exactly but PRA Group is a major player with significant market share in the global NPL market. Competitors include Encore Capital Group, Resurgent Capital Services, and various smaller regional players. Revenue from this area is the primary revenue driver for the company.
- Fee-Based Services: PRA Group offers collection and processing services on behalf of its clients, including banks, credit unions, and other financial institutions. Market share in this segment is more fragmented, with competition from numerous specialized collection agencies. Revenue from this services supplements that of the core NPL business.
- Government Receivables: PRA Group purchases defaulted government receivables and employs collection strategies to recover outstanding debt. PRA Group is a significant player in the governmental receivables market, primarily focusing on recovering debts owed to government agencies. Competitors include Performant Healthcare Solutions.
Market Dynamics
Industry Overview
The debt buying industry is influenced by economic conditions, regulatory changes, and consumer behavior. The industry tends to grow during economic downturns as default rates rise, creating more opportunities to purchase NPL portfolios. However, increased regulatory scrutiny can add to compliance costs and limit collection activities.
Positioning
PRA Group is one of the largest publicly traded companies in the debt buying industry. Its scale, experience, and international presence give it a competitive advantage. However, it also faces pressure from regulatory concerns and intense competition.
Total Addressable Market (TAM)
The TAM for debt collection is dependent on economic conditions and the regulatory environment. The global NPL market is estimated to be in the trillions of dollars, with PRA Group capturing a portion of that market. PRA Group is well positioned to capture a large portion of the TAM given its size, experience and global footprint.
Upturn SWOT Analysis
Strengths
- Scale and experience in the debt buying industry
- Diversified revenue streams (NPL acquisition, fee-based services, and government services)
- Global operations providing access to a wider range of NPL portfolios
- Strong collection expertise and technology
- Experienced management team
Weaknesses
- Exposure to regulatory scrutiny and compliance costs
- Dependence on economic conditions and default rates
- Potential for reputational risks related to debt collection practices
- High leverage in balance sheet
- Fluctuations in portfolio purchase pricing
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller debt buying companies
- Increased demand for NPL portfolios during economic downturns
- Development of new collection technologies
- Partnerships with financial institutions to manage their NPL portfolios
Threats
- Increased regulatory scrutiny and compliance costs
- Economic recession leading to lower collection rates
- Intense competition from other debt buying companies
- Changes in consumer behavior and payment patterns
- Negative press coverage and reputational risks
Competitors and Market Share
Key Competitors
- ECPG
- ENFA
Competitive Landscape
PRA Group is among the largest debt buyers. Its competitive advantage stems from its scale and global footprint. The competitive landscape includes a mix of large publicly traded companies and smaller, privately held firms.
Major Acquisitions
Portfolio Recovery Associates, LLC
- Year: 2013
- Acquisition Price (USD millions): 550
- Strategic Rationale: Increased its market share in the U.S. and expanded its operational capabilities.
Growth Trajectory and Initiatives
Historical Growth: Analyzing historical growth requires revenue and profit data from recent years.
Future Projections: Future financial projections require access to analyst estimates and internal company forecasts.
Recent Initiatives: Recent initiatives must be analyzed to predict future growth. Examples could be acquisitions, or new government contracts.
Summary
PRA Group is a major player in the debt buying industry, benefiting from its scale and experience. The company's profitability is closely tied to economic conditions and regulatory changes. While PRA Group faces competitive and regulatory pressures, it can capitalize on opportunities by expanding into new markets and leveraging its technological capabilities. PRA Group will need to carefully manage their compliance risk while continuing to optimize their collection strategies. Its growth and profitability are closely tied to the macro economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
This analysis is based on available information and general market understanding. Actual financial performance may vary, and this should not be considered financial advice.
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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