PRA Group (PRAA) Financials: Revenue & Earnings
PRAA$19.45+0.25 +1.30%
$732.25M
Market Cap
-2.84
P/E
5.80
Forward P/E
66
Score
PRA Group (PRAA) Financials: Revenue & Earnings
PRAA price $19.45 +0.25 +1.30%
- Ticker
- PRAA
- Price
- $19.45
- Change
- +0.25 +1.30%
- Market cap ?
- $732.25M
- P/E ?
- -2.84
- Forward P/E ?
- 5.80
- Dividend yield ?
- 0.00%
- Beta ?
- 1.13
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Stocklytics score
- 66
- Value
- 45
- Quality
- 66
- Growth
- 86
Stocklytics score rationale: value 45, quality 66, growth 86.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 832124000 | 821920000 | 877961000 | 995303000 | 1065414000 | 1095732000 | 966524000 | 815497000 | 1123825000 | 1240240000 |
PRA Group, Inc., a financial and business services enterprise, specializes in the acquisition, management, and recovery of defaulted loan portfolios. Its operations span the Americas, Australia, and Europe. The company primarily procures overdue financial obligations from individuals, which were initially extended by various credit originators like banks, consumer and retail finance firms, and automotive lenders…
Fair value
PRAA fair value $51.75. Price $19.45. Price is 62% below fair value.
Above fair value, and more expensive than usual. A larger premium than on 60% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 143.74M. Growth 5.13%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 10.54% (beta 1.1). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 37.65M. Net debt -72.25M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-05 | — | 0.80 | — | 307.40M |
| 2026-08-06 | 1.51 | 0.53 | 372.17M | 299.99M |
| 2026-05-07 | 0.73 | 0.51 | 314.53M | 295.90M |
| 2026-02-26 | 1.46 | 0.50 | 333.39M | 288.86M |
| 2025-11-03 | 10.43 | 0.50 | 311.14M | 295.77M |
| 2025-08-04 | 1.08 | 0.48 | 287.69M | 279.34M |
| 2025-05-05 | 0.09 | 0.41 | 269.62M | 285.97M |
| 2025-02-19 | 0.47 | 0.44 | 293.23M | 275.81M |
| 2024-11-04 | 0.69 | 0.34 | 281.48M | 262.20M |
| 2024-08-05 | 0.54 | 0.08 | 284.23M | 245.04M |
| 2024-05-06 | 0.09 | -0.05 | 255.59M | 233.37M |
| 2024-02-15 | -0.22 | -0.37 | 221.42M | 208.25M |
| 2023-11-06 | -0.31 | -0.37 | 216.43M | 205.24M |
| 2023-08-07 | -0.10 | -0.14 | 209.24M | 205.10M |
| 2023-05-08 | -1.50 | 0.48 | 155.47M | 227.63M |
| 2023-02-27 | 0.41 | 0.32 | 222.85M | 219.13M |
| 2022-11-03 | 0.63 | 0.46 | 244.81M | 227.28M |
| 2022-08-08 | 0.91 | 0.54 | 258.26M | 233.97M |
| 2022-05-09 | 0.97 | 0.78 | 240.60M | 253.31M |
| 2022-02-28 | 0.79 | 0.66 | 256.94M | 252.55M |
| 2021-11-08 | 0.76 | 0.72 | 263.99M | 254.39M |
| 2021-08-05 | 1.22 | 0.73 | 285.93M | 257.01M |
| 2021-05-06 | 1.27 | 0.75 | 289.63M | 219.71M |
| 2021-02-25 | 0.65 | 0.62 | 274.09M | 260.60M |
| 2020-11-05 | 0.92 | 0.63 | 268.01M | 183.43M |
| 2020-08-06 | 1.26 | 0.69 | 272.22M | 263.34M |
| 2020-05-07 | 0.42 | 0.23 | 252.10M | 243.85M |
| 2020-02-27 | 0.60 | 0.49 | 257.11M | 219.79M |
| 2019-11-07 | 0.55 | 0.46 | 246.41M | 209.10M |
| 2019-08-08 | 0.41 | 0.36 | 251.38M | 221.32M |
| 2019-05-09 | 0.34 | 0.35 | 240.40M | 253.11M |
| 2019-02-28 | 0.33 | 0.27 | 215.36M | 193.70M |
| 2018-11-08 | 0.22 | 0.34 | 218.19M | 349.10M |
| 2018-08-07 | 0.43 | 0.43 | 218.68M | 221.50M |
| 2018-05-09 | 0.47 | 0.35 | 223.18M | 166.88M |
| 2018-02-27 | 0.30 | 0.34 | 205.67M | 249.67M |
| 2017-11-08 | 0.34 | 0.28 | 201.01M | 165.53M |
| 2017-08-08 | 0.23 | 0.50 | 200.33M | 400.60M |
| 2017-05-09 | 0.42 | 0.45 | 206.56M | 147.69M |
| 2017-02-28 | -0.26 | 0.68 | 155.26M | 406.17M |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency Irregular.
Safety score 43/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividend history is short. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2007-05-07 | $0.33 | 2007-05-09 | 2007-06-08 | Irregular |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-15 | Sehgal Rakesh | Sell | 1.51K | $19.39 | 29.36K |
| 2026-09-10 | WEAVER LANCE L | Sell | 5.37K | — | — |
| 2026-09-10 | WEAVER LANCE L | Sell | 5.37K | — | — |
| 2026-08-15 | Tarrant LaTisha Owens | Sell | 3.34K | $20.60 | 68.85K |
| 2026-08-15 | James Richard Owen | Sell | 1.84K | $20.60 | 37.99K |
| 2026-06-17 | James Richard Owen | Sell | 1.09K | $15.65 | 17.00K |
| 2026-06-17 | Sjolund Martin | Sell | 9.77K | $15.65 | 152.93K |
| 2026-06-16 | WEAVER LANCE L | Buy | 10.54K | — | — |
| 2026-06-16 | Butler Adrian M | Buy | 10.54K | — | — |
| 2026-06-16 | Connelly Marjorie Mary | Buy | 10.54K | — | — |
| 2026-06-16 | TABAKIN SCOTT M | Buy | 10.54K | — | — |
| 2026-06-16 | Paschke Brett Lee | Buy | 10.54K | — | — |
| 2026-06-16 | Gadhia Jayne-Anne | Buy | 10.54K | — | — |
| 2026-06-16 | Gadhia Jayne-Anne | Sell | 3.22K | $15.50 | 49.96K |
| 2026-06-16 | Olsen Geir | Buy | 10.54K | — | — |
| 2026-06-16 | Olsen Geir | Sell | 3.22K | $15.50 | 49.96K |
| 2026-03-09 | Sehgal Rakesh | Buy | 5.51K | — | — |
| 2026-03-09 | Sehgal Rakesh | Sell | 610 | $18.15 | 11.07K |
| 2026-03-09 | Sehgal Rakesh | Sell | 3.04K | $18.15 | 55.09K |
| 2026-03-09 | Sehgal Rakesh | Buy | 1.38K | — | — |
| 2026-03-09 | Sehgal Rakesh | Sell | 2.19K | $18.15 | 39.66K |
| 2026-03-09 | Sehgal Rakesh | Buy | 30.30K | — | — |
| 2026-03-09 | Sehgal Rakesh | Sell | 5.10K | $18.15 | 92.53K |
| 2026-03-09 | Sehgal Rakesh | Sell | 837 | $18.15 | 15.19K |
| 2026-03-09 | James Richard Owen | Buy | 5.51K | — | — |
| 2026-03-09 | James Richard Owen | Sell | 584 | $18.15 | 10.60K |
| 2026-03-09 | James Richard Owen | Sell | 426 | $18.15 | 7.73K |
| 2026-03-09 | James Richard Owen | Sell | 2.48K | $18.15 | 44.94K |
| 2026-03-09 | James Richard Owen | Sell | 1.86K | $18.15 | 33.70K |
| 2026-03-09 | James Richard Owen | Buy | 1.24K | — | — |
| 2026-03-09 | James Richard Owen | Buy | 30.30K | — | — |
| 2026-03-09 | James Richard Owen | Sell | 3.94K | $18.15 | 71.49K |
| 2026-03-09 | Sjolund Martin | Buy | 4.97K | — | — |
| 2026-03-09 | Sjolund Martin | Sell | 2.34K | $18.15 | 42.43K |
| 2026-03-09 | Sjolund Martin | Sell | 1.70K | $18.15 | 30.85K |
| 2026-03-09 | Sjolund Martin | Buy | 101.93K | — | — |
| 2026-03-09 | Sjolund Martin | Sell | 3.87K | $18.15 | 70.22K |
| 2026-03-09 | Sjolund Martin | Sell | 1.86K | $18.15 | 33.70K |
| 2026-03-09 | Sjolund Martin | Sell | 5.51K | $18.15 | 100.08K |
| 2026-03-09 | Tarrant LaTisha Owens | Buy | 5.51K | — | — |
| 2026-03-09 | Tarrant LaTisha Owens | Sell | 608 | $18.15 | 11.04K |
| 2026-03-09 | Tarrant LaTisha Owens | Sell | 3.06K | $18.15 | 55.45K |
| 2026-03-09 | Tarrant LaTisha Owens | Sell | 1.78K | $18.15 | 32.34K |
| 2026-03-09 | Tarrant LaTisha Owens | Buy | 1.66K | — | — |
| 2026-03-09 | Tarrant LaTisha Owens | Buy | 30.30K | — | — |
| 2026-03-09 | Tarrant LaTisha Owens | Sell | 4.16K | $18.15 | 75.45K |
| 2026-03-09 | Tarrant LaTisha Owens | Sell | 836 | $18.15 | 15.17K |
| 2025-11-15 | Tarrant LaTisha Owens | Sell | 244 | $16.33 | 3.98K |
| 2025-11-06 | Olsen Geir | Buy | 15.00K | $14.15 | 212.25K |
| 2025-09-15 | Sehgal Rakesh | Sell | 1.51K | $16.82 | 25.47K |
| 2025-08-15 | Tarrant LaTisha Owens | Sell | 3.34K | $16.51 | 55.18K |
| 2025-08-15 | James Richard Owen | Sell | 1.84K | $16.51 | 30.44K |
| 2025-06-17 | Gadhia Jayne-Anne | Buy | 10.74K | — | — |
| 2025-06-17 | Gadhia Jayne-Anne | Sell | 2.28K | $14.71 | 33.58K |
| 2025-06-17 | WEAVER LANCE L | Buy | 10.74K | — | — |
| 2025-06-17 | Olsen Geir | Buy | 10.74K | — | — |
| 2025-06-17 | Connelly Marjorie Mary | Buy | 10.74K | — | — |
| 2025-06-17 | Paschke Brett Lee | Buy | 10.74K | — | — |
| 2025-06-17 | Turner Peggy P. | Buy | 10.74K | — | — |
| 2025-06-17 | Butler Adrian M | Buy | 10.74K | — | — |
| 2025-06-17 | Sjolund Martin | Buy | 62.37K | — | — |
| 2025-06-17 | James Richard Owen | Buy | 6.93K | — | — |
| 2025-06-17 | TABAKIN SCOTT M | Buy | 10.74K | — | — |
| 2025-06-13 | Olsen Geir | Sell | 2.35K | $14.93 | 35.01K |
| 2025-06-13 | Turner Peggy P. | Buy | 7.82K | — | — |
| 2025-06-13 | Connelly Marjorie Mary | Buy | 7.82K | — | — |
| 2025-06-13 | Paschke Brett Lee | Buy | 7.82K | — | — |
| 2025-05-15 | Sehgal Rakesh | Sell | 4.35K | $15.31 | 66.58K |
| 2025-05-07 | Paschke Brett Lee | Buy | 5.00K | $13.39 | 66.95K |
| 2025-05-07 | Olsen Geir | Buy | 18.23K | $13.59 | 247.75K |
| 2025-04-15 | Atal Vikram A | Sell | 5.83K | $17.03 | 99.28K |
| 2025-04-01 | FREDRICKSON STEVEN D | Buy | 93.68K | — | — |
| 2025-03-07 | Atal Vikram A | Buy | 125.69K | — | — |
| 2025-03-07 | Atal Vikram A | Sell | 14.26K | $20.13 | 286.97K |
| 2025-03-07 | Sehgal Rakesh | Buy | 27.65K | — | — |
| 2025-03-07 | Sehgal Rakesh | Sell | 556 | $20.13 | 11.19K |
| 2025-03-07 | Sehgal Rakesh | Sell | 2.91K | $20.13 | 58.66K |
| 2025-03-07 | Tarrant LaTisha Owens | Buy | 518 | — | — |
| 2025-03-07 | Tarrant LaTisha Owens | Sell | 235 | $20.13 | 4.73K |
| 2025-03-07 | Tarrant LaTisha Owens | Sell | 252 | $20.13 | 5.07K |
| 2025-03-07 | Tarrant LaTisha Owens | Buy | 27.65K | — | — |
| 2025-03-07 | Tarrant LaTisha Owens | Sell | 544 | $20.13 | 10.95K |
| 2025-03-07 | Tarrant LaTisha Owens | Sell | 2.97K | $20.13 | 59.79K |
| 2025-03-07 | Sjolund Martin | Buy | 2.33K | — | — |
| 2025-03-07 | Sjolund Martin | Sell | 1.10K | $20.13 | 22.12K |
| 2025-03-07 | Sjolund Martin | Buy | 35.19K | — | — |
| 2025-03-07 | Sjolund Martin | Sell | 1.57K | $20.13 | 31.62K |
| 2025-03-07 | Sjolund Martin | Sell | 1.70K | $20.13 | 34.22K |
| 2025-03-07 | Sjolund Martin | Sell | 3.87K | $20.13 | 77.88K |
| 2025-03-07 | James Richard Owen | Buy | 519 | — | — |
| 2025-03-07 | James Richard Owen | Sell | 245 | $20.13 | 4.93K |
| 2025-03-07 | James Richard Owen | Buy | 25.14K | — | — |
| 2025-03-07 | James Richard Owen | Sell | 350 | $20.13 | 7.05K |
| 2025-03-07 | James Richard Owen | Sell | 425 | $20.13 | 8.56K |
| 2025-03-07 | James Richard Owen | Sell | 2.48K | $20.13 | 49.84K |
| 2025-01-15 | Butler Adrian M | Buy | 3.37K | — | — |
| 2025-01-01 | Butler Adrian M | Other | 0 | — | — |
| 2024-11-15 | Tarrant LaTisha Owens | Sell | 244 | $23.12 | 5.64K |
| 2024-09-15 | Sehgal Rakesh | Sell | 1.51K | $21.67 | 32.70K |
| 2024-08-22 | WEAVER LANCE L | Sell | 6.55K | — | — |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 201, holders +2 vs prior quarter. Ownership 95.25%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACKROCK, INC. | 4.43M | -2.66M | -37.46% | 84.18M |
| TOPLINE CAPITAL MANAGEMENT, LLC | 3.85M | 0 | 0.00% | 73.02M |
| T. ROWE PRICE INVESTMENT MANAGEMENT, INC. | 3.01M | -629.05K | -17.26% | 57.25M |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.65M | -6.08K | -0.37% | 31.30M |
| GLOBAL ALPHA CAPITAL MANAGEMENT LTD. | 1.57M | -362.51K | -18.72% | 29.90M |
| DIMENSIONAL FUND ADVISORS LP | 1.36M | -275.87K | -16.87% | 25.82M |
| AMERICAN CENTURY COMPANIES INC | 1.02M | 441.37K | +75.88% | 19.43M |
| GEODE CAPITAL MANAGEMENT, LLC | 1.01M | 63.66K | +6.73% | 19.19M |
| STATE STREET CORP | 946.98K | -553.94K | -36.91% | 17.98M |
| WELLINGTON MANAGEMENT GROUP LLP | 827.72K | 77.19K | +10.28% | 15.72M |
| D. E. SHAW & CO., INC. | 783.50K | -38.11K | -4.64% | 14.88M |
| MILLENNIUM MANAGEMENT LLC | 753.60K | 465.13K | +161.25% | 14.31M |
| JACOBS LEVY EQUITY MANAGEMENT, INC | 749.18K | 82.58K | +12.39% | 14.23M |
| JANE STREET GROUP, LLC | 705.92K | 332.93K | +89.26% | 13.41M |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 672.07K | 554.97K | +473.91% | 12.76M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 641.60K | 641.60K | New | 12.18M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 641.60K | -129.44K | -16.79% | 12.18M |
| ROYAL BANK OF CANADA | 621.70K | -176.35K | -22.10% | 11.81M |
| ASSENAGON ASSET MANAGEMENT S.A. | 601.44K | 481.54K | +401.60% | 11.42M |
| CITADEL ADVISORS LLC | 581.09K | 333.54K | +134.74% | 11.03M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 485.27K | -337.38K | -41.01% | 9.22M |
| CAPITAL MANAGEMENT CORP /VA | 477.13K | 34.63K | +7.83% | 9.06M |
| QUBE RESEARCH & TECHNOLOGIES LTD | 374.98K | 374.98K | New | 7.12M |
| NORTHERN TRUST CORP | 369.08K | -28.65K | -7.20% | 7.01M |
| TUDOR INVESTMENT CORP ET AL | 324.16K | 114.39K | +54.53% | 6.16M |
Earnings and financials
PRA Group, Inc. (PRAA) trades at $19.45, with a market cap of $732.25M and a trailing P/E of -2.84. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 832124000 | 821920000 | 877961000 | 995303000 | 1065414000 | 1095732000 | 966524000 | 815497000 | 1123825000 | 1240240000 |
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