PRAA Financial Services

PRA Group, Inc.

$19.88+0.71%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Credit Services
Country: United States
Market cap: 748.4M USD
Full-time employees: 2,417

Overall health

Strength: lower risk than most peers: more short-term liquiditylower risk: more liquidity
Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
Drawback: its share price swings more than most peers’ (beta 1.11 vs a peer median of 0.70)bigger price swings (beta 1.11 vs peers 0.70)
Drawback: more debt relative to equity (3.60× vs a peer median of 0.57×)more debt vs equity (3.60× vs peers 0.57×)

Ranks #198 of 232 financial services companies (bottom 16%)

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $40M vs $20M spent repurchasing shares over the 3 fiscal years to 2025. Shares outstanding changed −3.4% from December 2022 to July 2026.
Over three fiscal years PRA recorded $40M of stock-based pay expense and spent $20M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years PRA recorded $40M of stock-based pay expense and spent $20M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.
Earnings slid into a loss. Loss per share this year after a profit last year.
PRA made a loss per share in its latest year after a profit the year before.
Loss over 12 months, profit last quarter. Lost money in the 12 months to June 2026, but made a $58M profit in the quarter to June 2026.
PRA reported a net loss over the last twelve months, but its most recent quarter was profitable ($58M). One quarter isn't a trend, but it's closer to profitability than the 12-month figure suggests.

StockQuotient Score

35/ 100▼ 1 since Oct 27 close

Oct 5 35 → Nov 4 35

Valuation

Is the price right?

7/100

Weak▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 9 → 7

Share price +3.5%-2
Company's reported figures updated+2
Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Earnings yield
▼ EBITDA yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield-35.4%

SEC filings · 12 months to Jun 2026Negative (a loss or cash outflow), so it counts as zero whatever the share price30% base weight · Z-score -1.54Sector median: 0.0571 · MAD: 0.0371

EBITDA yield1.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.21Sector median: 0.0689 · MAD: 0.0428

Other data (not scored)

Book yield139.7%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Free cash flow yield-5.1%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingNot scored for lenders: their free cash flow is mostly loan origination and repaymentInformational · 0% composite weightSector median: 0.0613 · MAD: 0.0605

Growth

Is it growing?

38/100

Weak

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 6.8%

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growthUnavailable

Earnings per share turned from a profit to a loss33% base weight · Z-score -2.12Sector median: 0.0999 · MAD: 0.2773

3-year revenue growth16.9%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score 0.81Sector median: 0.0999 · MAD: 0.0858

Revenue growth17.6%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.69Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

10/100

Weak

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

Operating margin rose 5.1 points to 5.0%

Why

Weaker than most peers on:

▼ ROA
▼ Operating margin
▼ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin5.0%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -1.27Sector median: 0.2353 · MAD: 0.1462

Return on assets-5.1%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.22Sector median: 0.0256 · MAD: 0.0233

Return on invested capital1.1%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -1.00Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity-25.3%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Lower

Lower relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 86 → 85

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.11

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.31Sector median: 0.7010 · MAD: 0.3115

Current ratio17.77×

Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score 12.63Sector median: 2.0250 · MAD: 1.2470

Debt / equity3.60×

SEC filings · latest balance sheetReported value33% base weight · Z-score -5.54Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about PRA

Is PRA getting weaker?: Its latest SEC filing (Aug 7, 2026) got stronger: operating margin rose 5.1 points to 5.0%. Its overall score is 35/100, down 1 since Oct 28, 2026.
How is PRA valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 7/100 against 432 financial services peers. Earnings yield -35.4% vs a peer median of 5.7% (weaker than 100% of peers).Earnings yield -35.4% vs peers 5.7% (weaker than 100% of peers).
Is PRA growing?: More slowly than most of its peers. Growth scores 38/100 against 432 financial services peers. 3-year revenue growth 16.9% vs a peer median of 10.0% (stronger than 72% of peers).3-year revenue growth 16.9% vs peers 10.0% (stronger than 72% of peers).
How profitable is PRA?: Less profitable than most of its peers. Profitability scores 10/100 against 432 financial services peers. Return on assets -5.1% vs a peer median of 2.6% (weaker than 100% of peers).Return on assets -5.1% vs peers 2.6% (weaker than 100% of peers).
How risky is PRA?: Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 17.77× vs a peer median of 2.02× (stronger than 89% of peers).Current ratio 17.77× vs peers 2.02× (stronger than 89% of peers). Debt / equity 3.60× vs a peer median of 0.57× (weaker than 85% of peers).Debt / equity 3.60× vs peers 0.57× (weaker than 85% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 7, 2026 · compared with the quarter ended Mar 31, 2026

Got stronger

Operating margin rose 5.1 points to 5.0%

Worth watching: PRA is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Revenue (12 months)	1.2B USD	1.3B USD	+6.8%
Net income (12 months)	−280.4M USD	−264.9M USD	−5.5%
Operating margin	-0.1%	5.0%	+5.1 pts
Free cash flow (12 months)	−13.4M USD	−37.8M USD	+183.4%
Debt	3.8B USD	3.8B USD	−0.5%
Cash	124.8M USD	132.4M USD	+6.1%
Shares outstanding	38.1M	37.6M	−1.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Credit Services companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	34.2%	29.6%	12.5%	30.5%	-2.5%	▼ 33 pts
Net margin	16.7%	12.1%	-10.4%	6.3%	-25.4%	▼ 32 pts
Return on assets (ROA)	4.2%	2.8%	-1.8%	1.4%	-6.0%	▼ 7.4 pts
Return on equity (ROE)	14.2%	9.5%	-7.2%	6.2%	-31.1%	▼ 37 pts
Debt to equity	2.03×	2.03×	2.50×	2.93×	3.77×	▲ 29%
Interest coverage	2.99×	2.15×	0.52×	1.42×	-0.11×	▼ 108%

PRAA price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: lower risk than most peers: more short-term liquiditylower risk: more liquidity

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Drawback: its share price swings more than most peers’ (beta 1.11 vs a peer median of 0.70)bigger price swings (beta 1.11 vs peers 0.70)

Drawback: more debt relative to equity (3.60× vs a peer median of 0.57×)more debt vs equity (3.60× vs peers 0.57×)

Ranks #198 of 232 financial services companies (bottom 16%)

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $40M vs $20M spent repurchasing shares over the 3 fiscal years to 2025. Shares outstanding changed −3.4% from December 2022 to July 2026.

Over three fiscal years PRA recorded $40M of stock-based pay expense and spent $20M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years PRA recorded $40M of stock-based pay expense and spent $20M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.

Earnings slid into a loss. Loss per share this year after a profit last year.

PRA made a loss per share in its latest year after a profit the year before.

Loss over 12 months, profit last quarter. Lost money in the 12 months to June 2026, but made a $58M profit in the quarter to June 2026.

PRA reported a net loss over the last twelve months, but its most recent quarter was profitable ($58M). One quarter isn't a trend, but it's closer to profitability than the 12-month figure suggests.

Questions investors ask about PRA

Is PRA getting weaker?

Its latest SEC filing (Aug 7, 2026) got stronger: operating margin rose 5.1 points to 5.0%. Its overall score is 35/100, down 1 since Oct 28, 2026.

How is PRA valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 7/100 against 432 financial services peers. Earnings yield -35.4% vs a peer median of 5.7% (weaker than 100% of peers).Earnings yield -35.4% vs peers 5.7% (weaker than 100% of peers).

Is PRA growing?

More slowly than most of its peers. Growth scores 38/100 against 432 financial services peers. 3-year revenue growth 16.9% vs a peer median of 10.0% (stronger than 72% of peers).3-year revenue growth 16.9% vs peers 10.0% (stronger than 72% of peers).

How profitable is PRA?

Less profitable than most of its peers. Profitability scores 10/100 against 432 financial services peers. Return on assets -5.1% vs a peer median of 2.6% (weaker than 100% of peers).Return on assets -5.1% vs peers 2.6% (weaker than 100% of peers).

How risky is PRA?

Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 17.77× vs a peer median of 2.02× (stronger than 89% of peers).Current ratio 17.77× vs peers 2.02× (stronger than 89% of peers). Debt / equity 3.60× vs a peer median of 0.57× (weaker than 85% of peers).Debt / equity 3.60× vs peers 0.57× (weaker than 85% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

1.2B USD

1.3B USD

+6.8%

Net income (12 months)

−280.4M USD

−264.9M USD

−5.5%

Operating margin

-0.1%

5.0%

+5.1 pts

Free cash flow (12 months)

−13.4M USD

−37.8M USD

+183.4%

Debt

3.8B USD

3.8B USD

−0.5%

Cash

124.8M USD

132.4M USD

+6.1%

Shares outstanding

38.1M

37.6M

−1.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

34.2%

29.6%

12.5%

30.5%

-2.5%

▼ 33 pts

Net margin

16.7%

12.1%

-10.4%

6.3%

-25.4%

▼ 32 pts

Return on assets (ROA)

4.2%

2.8%

-1.8%

1.4%

-6.0%

▼ 7.4 pts

Return on equity (ROE)

14.2%

9.5%

-7.2%

6.2%

-31.1%

▼ 37 pts

Debt to equity

2.03×

2.50×

2.93×

3.77×

▲ 29%

Interest coverage

2.99×

2.15×

0.52×

1.42×

-0.11×

▼ 108%