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Upturn AI SWOT - About
PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
10/17/2025: 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 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 528.67M USD | Price to earnings Ratio 5.83 | 1Y Target Price 25.67 |
Price to earnings Ratio 5.83 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 4 | Beta 1.45 | 52 Weeks Range 12.91 - 25.43 | Updated Date 10/19/2025 |
52 Weeks Range 12.91 - 25.43 | Updated Date 10/19/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 5.83 | Forward PE 11.57 | Enterprise Value 4034961402 | Price to Sales(TTM) 0.47 |
Enterprise Value 4034961402 | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 3.53 | Enterprise Value to EBITDA 16.4 | Shares Outstanding 39073697 | Shares Floating 36193966 |
Shares Outstanding 39073697 | Shares Floating 36193966 | ||
Percent Insiders 1.81 | Percent Institutions 101.29 |
Upturn AI SWOT
PRA Group Inc
Company Overview
History and Background
PRA Group, Inc. was founded in 1996 in Norfolk, Virginia. Initially focused on purchasing defaulted receivables, it has grown into a global leader in acquiring and collecting nonperforming loans. It expanded internationally and broadened its portfolio to include various types of debt.
Core Business Areas
- Americas Core: Acquisition and collection of nonperforming loans in the Americas. This is their core business, focusing on purchasing and recovering consumer debt portfolios.
- Europe Core: Acquisition and collection of nonperforming loans in Europe. Similar to the Americas Core, but focused on European markets and regulatory environments.
- Fee-Based Services: This includes services such as contingent collections, where PRA Group collects debts on behalf of other creditors for a fee, rather than purchasing the debt.
Leadership and Structure
PRA Group is led by a Board of Directors and an executive management team. The organizational structure includes regional operational units (Americas, Europe) and support functions (finance, legal, human resources).
Top Products and Market Share
Key Offerings
- Nonperforming Loan Portfolio Acquisition: Acquisition of defaulted consumer debt (credit cards, personal loans, auto loans, etc.). Market share data is difficult to pinpoint precisely as the debt buying market is fragmented. Competitors include Encore Capital Group (ECPG) and Portfolio Recovery Associates (part of PRA Group). Revenue generation is directly tied to the recovery rate and collection efficiency of these portfolios.
- Contingent Collections: Debt collection services provided to creditors on a contingency basis (PRA Group receives a percentage of the amount collected). The market is competitive, including companies such as Transworld Systems and other debt collection agencies. Revenue is dependent on successful collection rates and client agreements.
Market Dynamics
Industry Overview
The debt buying industry is influenced by economic conditions (unemployment, interest rates), regulatory environment (consumer protection laws), and the availability of nonperforming loans from creditors (banks, credit card companies).
Positioning
PRA Group is a leading player in the debt buying industry, with a significant presence in both North America and Europe. Its competitive advantages include its scale, expertise in debt collection, and data analytics capabilities.
Total Addressable Market (TAM)
The global debt collection market is estimated to be in the hundreds of billions of dollars annually. PRA Group is positioned to capture a portion of this TAM through its debt purchasing and collection operations.
Upturn SWOT Analysis
Strengths
- Scale and operational efficiency
- Extensive experience in debt buying and collection
- Strong data analytics capabilities
- Diversified portfolio across multiple debt types and geographies
- Established relationships with major creditors
Weaknesses
- Regulatory scrutiny and potential compliance issues
- Sensitivity to economic downturns
- Reputational risk associated with debt collection practices
- Fluctuations in debt purchasing prices
- High debt levels and reliance on financing
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller debt buyers
- Development of new technology-driven collection strategies
- Increased outsourcing of debt collection by creditors
- Growth in consumer debt levels
Threats
- Increased regulatory oversight and compliance costs
- Economic recession and rising unemployment
- Increased competition from other debt buyers
- Changes in consumer behavior and payment patterns
- Negative publicity and reputational damage
Competitors and Market Share
Key Competitors
- ECPG
- NFI
Competitive Landscape
PRA Group competes with other debt buyers, collection agencies, and creditors who handle collections internally. Advantages include scale, experience, and data analytics. Disadvantages include regulatory scrutiny and reputational risk.
Major Acquisitions
Portfolio Recovery Associates
- Year: 2014
- Acquisition Price (USD millions): 680
- Strategic Rationale: The acquisition strengthened PRA Groupu2019s position in the debt purchasing market, enhanced its collection capabilities, and expanded its customer base and revenue.
Growth Trajectory and Initiatives
Historical Growth: PRA Group has grown both organically and through acquisitions. Past growth has been driven by expansion into new markets and increased debt purchasing activity.
Future Projections: Analyst estimates vary, but generally project continued growth in revenue and earnings, driven by increased debt purchasing and collection efficiency.
Recent Initiatives: Recent initiatives may include investments in technology, expansion into new geographies, or acquisitions of smaller debt buyers.
Summary
PRA Group is a leading debt buyer with a global presence and a strong track record. Its strengths lie in its scale, experience, and data analytics capabilities. However, it faces challenges related to regulatory scrutiny, economic cycles, and reputational risk. While the company has experienced volatility, it is positioned for continued growth in the long term.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is approximate. Financial data is based on estimates and historical performance and may not be indicative of future results. Investment decisions should be made based on individual circumstances and consultation with a financial advisor.
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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