Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, bad-debt collector Portfolio Recovery Associates (Nasdaq: PRAA) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at Portfolio Recovery's business and see what CAPS investors are saying about the stock right now.

Portfolio Recovery facts

Headquarters (Founded) Norfolk, Va. (1996)
Market Cap $1.2 billion
Industry Business services
Trailing-12-Month Revenue $458.9 million
Management Co-Founder/Chairman/CEO Steven Fredrickson
Co-Founder/CFO Kevin Stevenson
Return on Equity (Average, Past 3 Years) 16.7%
Cash/Debt $26.7 million / $221.2 million
Competitors Asta Funding
Encore Capital Group
NCO Group

Sources: S&P Capital IQ and Motley Fool CAPS.

On CAPS, 97% of the 3,137 members who have rated Portfolio Recovery believe the stock will outperform the S&P 500 going forward.

Just two weeks ago, one of those Fools, MHenage, highlighted several of Portfolio Recovery's positives:

Growing company in an industry no one seems to want. History of beating earnings estimates, decent balance sheet. Company has tons of free cash flow. Meets 6 of 6 tests to make it a Peter Lynch stock: industry domination, good cash flow, good balance sheet, cheap relative to future earnings, good earnings growth, unlikable industry.

What do you think about Portfolio Recovery, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

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