PRAA
PRA Group, Inc.
PRAA's fundamentals are strong and it looks cheap: trading at 2.9x earnings, less than half its usual 11x. Analysts expect strong earnings growth.
PRAA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PRAA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRAA.
PRAA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 2.9x | $11.88 | — |
| Forward | 3.4x | $11.88 | — |
| Cheap | 9.6x | $39.16 | +230% |
| Fair | 11x | $47.03 | +296% |
| Expensive | 20x | $83.73 | +605% |
Historical ranges are pointers, not guarantees.
PRAA's PE is in its cheap range at 2.9x. On analysts' estimates for next year's earnings, today's price would be 3.4x.
PRAA Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect PRAA's earnings to grow and its profitability to improve, with its revenue holding steady.
PRAA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.52 | -14% |
| Q3 2026 | $4.10 | +$12.89 |
| Q2 2026 | -$6.72 | -388% |
| Q1 2026 | -$7.15 | -499% |
| Q4 2025 | -$7.79 | -535% |
| Q3 2025 | -$8.79 | -899% |
| Q2 2025 | $2.33 | +2230% |
| Q1 2025 | $1.79 | +$2.33 |
| Q4 2024 | $1.79 | +$3.92 |
PRAA has returned to profit: it earned $4.10 per share over the past year, after losing money the year before.
PRAA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $286.3M | -8% |
| Q2 2026 | $372.2M | +29% |
| Q1 2026 | $314.5M | +17% |
| Q4 2025 | $333.4M | +14% |
| Q3 2025 | $311.1M | +11% |
| Q2 2025 | $287.7M | +1.2% |
| Q1 2025 | $269.6M | +5.5% |
| Q4 2024 | $293.2M | +32% |
PRAA's revenue is growing: $286M last quarter, down 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +131 points |
| Q2 2026 | 41% | +12 points |
| Q1 2026 | 33% | +5.2 points |
| Q4 2025 | 38% | +5.6 points |
| Q3 2025 | -101% | -133 points |
| Q2 2025 | 30% | -1.8 points |
| Q1 2025 | 28% | +1.7 points |
| Q4 2024 | 32% | +12 points |
PRAA's operating margin was 30% last quarter, up 131 points from the same quarter a year ago.
PRAA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$22.7M | -$11.3M |
| Q2 2026 | -$38.7M | -$24.5M |
| Q1 2026 | $23.5M | +$77M |
| Q4 2025 | -$11.3M | -127% |
| Q3 2025 | -$11.3M | +$24.7M |
| Q2 2025 | -$14.2M | +$16.6M |
| Q1 2025 | -$53.5M | +$20M |
| Q4 2024 | $41.8M | +107% |
PRAA's free cash flow was −$49M over the past year, against −$37M the year before. Free cash flow isn't a meaningful measure for financial services companies like PRAA.
PRAA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -282K shares |
| 1 year | -2.7% | -1.1M shares |
| 3 years | -3.1% | -1.2M shares |
| 5 years | -17% | -7.6M shares |
| Available history | -17% | -7.6M shares |
PRAA has 38M diluted shares, down 2.7% from a year ago, with $30M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $10M |
| Q1 2026 | $10M |
| Q4 2025 | $10M |
| Q3 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q1 2023 | — |
PRAA spent $30M buying back its own shares over the past year.
PRAA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.4x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
| Q3 2024 | -0.5x | Net Cash |
| Q2 2024 | -0.5x | Net Cash |
| Q1 2024 | -0.5x | Net Cash |
| Q4 2023 | -1.0x | Net Cash |
| Q3 2023 | -0.8x | Net Cash |
PRAA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PRAA.
PRAA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.9 | Neutral |
| Stochastic | 21.1 | Neutral |
PRAA's weekly RSI is 33 (neutral) and its Stochastic is 21 (neutral).
PRAA PE vs Financial Services Sector
| Metric | PRAA | Sector median | Relative |
|---|---|---|---|
| PE | 2.9x | 13x | 78% below |
| PE % | 0 | 63 | 63 pts below |
PRAA is trading at 2.9x earnings, a 78% discount to the Financial Services sector's median of 13x.
PRAA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.8 | 33% below |
| 20 week MA | $18.5 | 36% below |
| 50 week MA | $17.4 | 32% below |
| 100 week MA | $17.4 | 32% below |
| 200 week MA | $21.0 | 43% below |
PRAA is in a downtrend: it's below all five of its weekly moving averages, and 43% below its 200-week average.
PRAA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.5 | $38.8 | +6.2% |
| 2021 | $38.8 | $48.5 | +25% |
| 2022 | $48.5 | $33.4 | -31% |
| 2023 | $33.4 | $26.2 | -22% |
| 2024 | $26.2 | $20.5 | -22% |
| 2025 | $20.5 | $17.6 | -14% |
| 2026 YTD | $17.6 | $11.9 | -33% |
PRAA has finished four years in a row lower, and it's down 33% so far in 2026.