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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| PRAA | -31.99% | -59.83% | -16.66% | +171% |
| S&P | +19.89% | +109.18% | +15.89% | +664% |
PRA Group, Inc. engages in the purchase, collection and management of portfolios of nonperforming loans. The firm purchase portfolios of nonperforming loans at a discount in two broad categories: Core and Insolvency. It also provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts in the United States. The company was founded by Steven D. Fredrickson and Kevin P. Stevenson on March 20, 1996 and is headquartered in Norfolk, VA.
The company says its revamp is beginning to pay off.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $329.01M | 13.5% |
| Gross Profit | $229.54M | 15.4% |
| Gross Margin | 69.77% | 1.1% |
| Market Cap | $584.97M | -24.4% |
| Market Cap / Employee | $0.19M | 0.0% |
| Employees | 3.1K | -1.3% |
| Net Income | $45.71M | 82.0% |
| EBITDA | $111.89M | 13.9% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $135.32M | 12.8% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $3.64B | 15.8% |
| Short Term Debt | $176.16M | 31.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.82% | 1.7% |
| Return On Invested Capital | 2.27% | -0.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$14.19M | 54.0% |
| Operating Free Cash Flow | -$12.91M | 56.2% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 20.40 | 11.70 | 11.53 | 6.36 | -96.90% |
| Price to Book | 0.72 | 0.68 | 0.72 | 0.48 | -29.96% |
| Price to Sales | 0.83 | 0.73 | 0.71 | 0.49 | -37.04% |
| Price to Tangible Book Value | 1.11 | 1.03 | 1.10 | 0.73 | -32.05% |
| Enterprise Value to EBITDA | 47.75 | 37.41 | 53.84 | 38.59 | -5.02% |
| Return on Equity | 3.7% | 6.1% | 6.0% | 7.4% | 2061.52% |
| Total Debt | $3.47B | $3.53B | $3.68B | $3.81B | 16.39% |
PRAA earnings call for the period ending September 30, 2021.
PRAA earnings call for the period ending June 30, 2021.
PRAA earnings call for the period ending March 31, 2021.
PRAA earnings call for the period ending December 31, 2020.
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