YOLFTbeta
PRA Group Inc

PRA Group Inc

PRAA · NASDAQ · Financial Services / Credit Services

11.84USD-0.04 (-0.34%)

Price History

Full chart

Market Stats

Previous Close11.88
Open11.98
Day Range11.54 – 12.16
52-Week Range10.25 – 22.55
Volume760.10K
Market Cap754.84M
P/E (TTM)0.00
Forward P/E11.57
EPS-6.71
Dividend Yield0.00%
Beta1.11
50-Day Avg18.98
200-Day Avg17.29

About

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include 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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Martin Sjolund
  • Employees2.42K
  • Headquarters120 Corporate Boulevard, Norfolk, VA, United States, 23502, USA
  • Websitehttps://www.pragroup.com

Leadership

  • Mr. Steven D. FredricksonCo-Founder & Executive Chairman · b. 1960
  • Mr. Martin SjolundCEO, President & Director · b. 1973
  • Mr. Rakesh SehgalExecutive VP & CFO · b. 1973
  • Ms. LaTisha Owens TarrantExecutive VP, General Counsel, Chief Human Resources Officer & Corporate Secretary · b. 1973
  • Mr. R. Owen JamesPresident of PRA Group Europe · b. 1967
  • Mr. Steven A. MackeGlobal Operations Officer
  • Mr. Jan HusbyChief Information Officer · b. 1964
  • Mr. Najim Mostamand C.F.A.Vice President of Investor Relations

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue19.33M32.34M55.87M84.99M7.36M149.14M188.91M220.75M263.27M281.09M372.71M458.94M592.80M735.13M880.97M942.02M832.12M821.92M877.96M995.30M1.07B1.10B966.52M815.50M1.12B1.24B
Growth (%)-+67.25%+72.78%+52.12%-91.33%+1925.07%+26.67%+16.86%+19.26%+6.77%+32.59%+23.14%+29.17%+24.01%+19.84%+6.93%-11.67%-1.23%+6.82%+13.37%+7.04%+2.85%-11.79%-15.63%+37.81%+10.36%
Cost of Revenue14.59M22.89M2.45M602.07K273.36K280.50K378.55K9.07M10.93M13.56M124.08M138.20M168.36M192.47M234.53M268.35M258.85M344.69M319.40M310.44M436.86M426.12M416.21M399.46M438.17M10.44M
Gross Profit19.33M32.34M53.42M84.39M7.09M148.86M188.53M220.75M263.27M281.09M248.63M320.73M424.44M542.66M646.44M673.67M573.28M477.23M558.56M684.86M628.55M669.61M550.31M416.04M685.65M1.23B
Gross Margin100.00%100.00%95.62%99.29%96.29%99.81%99.80%100.00%100.00%100.00%66.71%69.89%71.60%73.82%73.38%71.51%68.89%58.06%63.62%68.81%59.00%61.11%56.94%51.02%61.01%99.16%
Operating Expense15.03M23.57M32.46M49.93M-37.80M89.26M116.53M139.56M178.44M200.48M118.77M142.71M208.39M245.13M304.37M363.33M353.53M263.50M373.30M437.18M278.85M294.61M264.51M315.54M345.92M809.06M
Operating Income4.30M8.77M20.96M34.45M44.89M59.60M72.00M81.18M84.84M80.61M129.86M178.03M216.06M297.53M342.07M310.34M219.75M213.73M185.26M247.69M349.70M375.00M285.80M100.49M339.73M420.74M
Operating Margin22.27%27.11%37.52%40.54%609.55%39.96%38.11%36.78%32.22%28.68%34.84%38.79%36.45%40.47%38.83%32.94%26.41%26.00%21.10%24.89%32.82%34.22%29.57%12.32%30.23%33.92%
EBITDA4.74M9.44M21.90M35.90M47.27M64.28M77.13M87.12M92.32M89.83M142.36M190.97M230.59M311.95M354.65M336.94M236.56M204.49M233.03M278.99M226.45M266.11M170.37M10.49M209.13M18.99M
EBITDA Margin24.53%29.20%39.21%42.24%641.90%43.10%40.83%39.47%35.07%31.96%38.20%41.61%38.90%42.43%40.26%35.77%28.43%24.88%26.54%28.03%21.26%24.29%17.63%1.29%18.61%1.53%
Net Income2.54M5.63M17.07M20.71M27.45M36.77M44.49M48.24M45.36M44.31M73.45M100.79M126.59M175.31M176.50M167.93M86.25M164.31M65.56M86.16M149.34M183.16M117.15M-83.48M70.60M-305.14M
Net Income Margin13.14%17.40%30.54%24.37%372.75%24.66%23.55%21.85%17.23%15.76%19.71%21.96%21.36%23.85%20.04%17.83%10.37%19.99%7.47%8.66%14.02%16.72%12.12%-10.24%6.28%-24.60%
R&D----------01.30M1.30M1.50M000.160.190.10.120.20.230.160.1--
R&D as % of Total Revenue----------0.00%0.28%0.22%0.20%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense002.45M602.07K273.36K280.50K378.55K3.70M11.15M7.91M9.05M10.57M9.04M14.47M35.23M59.55M76.57M24.45M124.21M144.16M35.50M38.96M51.70M74.76M88.73M251.79M
Interest Expense % of Total Revenue0.00%0.00%4.38%0.71%3.71%0.19%0.20%1.68%4.24%2.81%2.43%2.30%1.53%1.97%4.00%6.32%9.20%2.98%14.15%14.48%3.33%3.56%5.35%9.17%7.90%20.30%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets47.19M57.11M88.29M126.39M175.18M247.77M293.38M476.31M657.84M794.43M995.91M1.07B1.29B1.60B2.78B2.99B3.16B3.70B3.91B4.42B4.45B4.37B4.18B4.53B4.93B5.10B
Total Liabilities532.00K29.36M7.68M7.25M23.79M52.45M46.10M241.03M373.98M458.95M490.94M475.63M580.53M731.76M1.88B2.15B2.25B2.56B2.79B3.20B3.08B3.04B2.89B3.29B3.74B4.06B
Total Equity22.70M27.75M80.61M119.15M151.39M195.32M247.28M235.28M283.86M335.48M490.52M595.49M708.43M869.48M902.22M839.75M917.16M1.14B1.12B1.23B1.37B1.32B1.23B1.17B1.14B979.85M
Cash3.19M4.78M11.99M24.91M24.51M15.98M25.10M16.73M13.90M20.27M41.09M26.70M32.69M162.00M39.66M71.37M94.29M120.52M98.69M119.77M108.61M87.58M83.38M112.53M105.94M104.41M
Total Debt532.00K-965.58K2.21M2.50M16.53M932.28K168.10M268.31M320.80M302.40M221.25M327.54M451.78M1.51B1.77B1.86B2.27B3.63B4.60B4.24B3.78B3.61B4.40B3.36B32.16M
Net Debt-2.66M-4.78M-11.02M-22.70M-22.01M549.77K-24.17M151.37M254.40M300.53M261.30M194.55M294.86M289.78M1.44B1.65B1.69B2.05B2.37B2.76B2.61B2.58B3.53B4.29B3.26B-72.25M

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.08M6.50M21.84M35.08M49.29M57.85M59.47M80.36M81.72M85.28M143.58M173.03M131.41M225.13M267.90M203.00M205.90M15.47M80.87M133.39M141.70M84.92M21.59M-97.53M-94.59M-85.54M
Investing Cash Flow---24.71M-23.55M-50.81M-82.97M-39.67M-192.92M-185.71M-134.25M-170.53M-104.76M-205.58M-175.60M-1.03B-282.33M-317.51M-294.96M-387.25M-441.19M115.00M160.38M120.45M-234.86M-382.47M-55.72M
Financing Cash Flow12.37M2.33M10.07M1.39M1.12M16.59M-10.68M104.19M101.17M55.33M47.78M-82.67M80.70M79.80M647.96M120.13M94.41M295.70M294.93M339.52M-252.10M-262.81M-121.34M355.30M490.84M111.75M
Capital Expenditure1.07M1.28M1.32M2.45M2.09M3.48M6.87M8.66M6.14M4.52M9.55M9.63M7.12M15.88M24.39M14.45M14.16M22.84M20.52M18.03M17.23M11.21M13.25M2.89M4.04M4.82M
Free Cash Flow--20.53M32.63M47.19M54.37M52.60M71.69M75.58M80.76M134.03M163.39M124.30M209.25M243.52M188.54M191.74M-7.37M60.34M115.36M124.47M73.71M8.34M-100.42M-98.64M-90.36M
Dividends Paid148.00K203.00K5.55M----16.07M--02.31M02.08M00934.00K1.43M14.49M-------
FCF to OCF--93.97%93.00%95.76%93.98%88.45%89.22%92.49%94.70%93.35%94.43%94.59%92.95%90.90%92.88%93.12%-47.59%74.62%86.48%87.84%86.80%38.63%102.96%104.28%105.64%
Dividend Paid to FCF--27.04%----22.41%--0.00%1.41%0.00%0.99%0.00%0.00%0.49%-19.40%24.01%-------

Earnings

Report DateDec 19, 2002Feb 10, 2003Apr 23, 2003Jul 30, 2003Oct 27, 2003Feb 9, 2004Apr 20, 2004Jul 22, 2004Oct 21, 2004Feb 22, 2005Apr 21, 2005Jul 26, 2005Oct 25, 2005Feb 14, 2006Apr 25, 2006Aug 2, 2006Oct 30, 2006Feb 14, 2007Apr 24, 2007Jul 24, 2007Oct 29, 2007Feb 21, 2008Apr 28, 2008Jul 29, 2008Oct 29, 2008Feb 12, 2009Apr 28, 2009Jul 29, 2009Oct 29, 2009Feb 11, 2010Apr 27, 2010Jul 29, 2010Oct 27, 2010Feb 15, 2011May 4, 2011Jul 28, 2011Oct 27, 2011Feb 16, 2012May 7, 2012Aug 1, 2012Oct 30, 2012Feb 13, 2013Apr 30, 2013Jul 30, 2013Oct 30, 2013Feb 19, 2014Apr 30, 2014Aug 5, 2014Nov 10, 2014Mar 2, 2015May 6, 2015Aug 10, 2015Nov 5, 2015Feb 25, 2016May 9, 2016Aug 8, 2016Nov 7, 2016Feb 28, 2017May 9, 2017Aug 8, 2017Nov 8, 2017Feb 27, 2018May 9, 2018Aug 7, 2018Nov 8, 2018Feb 28, 2019May 9, 2019Aug 8, 2019Nov 7, 2019Feb 27, 2020May 7, 2020Aug 6, 2020Nov 5, 2020Feb 25, 2021May 6, 2021Aug 5, 2021Nov 8, 2021Feb 28, 2022May 9, 2022Aug 8, 2022Nov 3, 2022Feb 27, 2023May 8, 2023Aug 7, 2023Nov 6, 2023Feb 15, 2024May 6, 2024Aug 5, 2024Nov 4, 2024Feb 13, 2025May 5, 2025Aug 4, 2025Nov 3, 2025Feb 26, 2026May 7, 2026Aug 6, 2026Nov 2, 2026
EPS Estimate-0.070.080.100.110.110.120.130.140.150.170.190.180.190.210.230.230.230.260.270.270.240.270.270.260.230.240.240.260.240.290.320.340.390.440.480.490.510.440.550.620.670.700.750.870.900.860.901.111.111.121.151.161.030.930.810.740.680.430.490.270.340.360.450.370.270.350.370.460.510.230.660.650.620.750.760.810.660.740.530.460.320.46-0.12-0.38-0.35-0.150.050.340.450.410.620.500.500.510.521.07
EPS Actual0.090.080.100.110.120.120.130.140.150.160.180.190.190.190.220.230.230.240.270.270.270.230.300.250.280.230.220.250.220.270.300.380.360.400.450.480.490.510.490.620.650.700.750.851.020.910.860.871.120.961.191.060.991.030.850.830.68-0.260.450.300.340.300.470.430.220.330.340.410.550.600.421.260.920.651.271.220.760.790.970.910.630.41-1.50-0.10-0.31-0.220.090.540.490.470.090.350.531.460.731.51-
Surprise-14.29%25.00%10.00%9.09%9.09%8.33%7.69%7.14%6.67%5.88%0.00%5.56%0.00%4.76%0.00%0.00%4.35%3.85%0.00%0.00%-4.17%11.11%-7.41%7.69%0.00%-8.33%4.17%-15.38%12.50%3.45%18.75%5.88%2.56%2.27%0.00%0.00%0.00%11.36%12.73%4.84%4.48%7.14%13.33%17.24%1.11%0.00%-3.33%0.90%-13.51%6.25%-7.83%-14.66%0.00%-8.60%2.47%-8.11%-138.24%4.65%-38.78%25.93%-11.76%30.56%-4.44%-40.54%22.22%-2.86%10.81%19.57%17.65%82.61%90.91%41.54%4.84%69.33%60.53%-6.17%19.70%31.08%71.70%36.96%28.13%-426.09%16.67%18.42%37.14%160.00%980.00%44.12%5.22%-78.05%-43.55%6.00%192.00%43.14%190.38%-
Timing--After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-

Key Statistics & Ratios

Market Cap754.84M
Enterprise Value4.29B
Trailing P/E0.00
Forward P/E11.57
PEG Ratio5.88
Price / Sales0.57
Price / Book0.74
EPS-6.71
Book Value27.77
Revenue (TTM)1.33B
Gross Profit (TTM)1.33B
EBITDA487.78M
Profit Margin-19.91%
Operating Margin41.19%
Return on Equity-20.25%
Return on Assets5.63%
Shares Outstanding37.65M
Shares Float32.81M
Beta1.11
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 3 analystsTarget 26.00
  • Strong Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
95.83%
Insiders
2.33%
Retail / Other
1.84%

Top Institutional Holders

  • BlackRock Inc
    7.09M18.83%
  • Topline Capital Management LLC
    3.85M10.21%
  • T. Rowe Price Investment Management,Inc.
    3.64M9.68%
  • Vanguard Capital Management, LLC
    1.65M4.39%
  • Global Alpha Capital Management Ltd.
    1.57M4.18%
  • State Street Corp
    1.50M3.99%
  • Dimensional Fund Advisors, Inc.
    1.36M3.61%
  • American Century Companies Inc
    1.02M2.72%
  • Geode Capital Management, LLC
    946.53K2.51%
  • Wellington Management Company LLP
    827.72K2.20%
  • Vanguard Portfolio Management, LLC
    822.65K2.19%
  • Royal Bank of Canada
    798.05K2.12%
  • D. E. Shaw & Co LP
    783.50K2.08%
  • Charles Schwab Investment Management Inc
    771.05K2.05%
  • Millennium Management LLC
    753.60K2.00%

Top Fund Holders

  • T. Rowe Price Small-Cap Value
    1.68M4.45%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.17M3.11%
  • Avantis US Small Cap Value ETF
    1.08M2.88%
  • iShares Russell 2000 ETF
    987.80K2.62%
  • CC&L Global Alpha - Series A
    768.84K2.04%

Dividends

20071×
0.33May 7, 2007

Stock Splits

  • Aug 2, 20133:1