Reading the tape
NASDAQ: PRAA
PRA Group, Inc.
Financial Services · Financial - Credit Services
Market Cap
$847.42M
52w High
$22.55
52w Low
$10.25
P/E
-2.79
Volume
17.48K
Outstanding Shares
39.02M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 11.41%Revenue (TTM): 10.36%FCF (TTM): 8.39%P/E: 0th pct
What changed
The stock rose 11.41% over the last year. Revenue grew 10.36% over the trailing twelve months. Operating margin moved from 30.23% to 33.92%. Free cash flow grew 8.39% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 33.92%. A decisive move in revenue — currently up 10.36% — would be the clearest signal to resolve the ambiguity.
Company profile
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe.
CEOMartin Sjolund
SectorFinancial Services
IndustryFinancial - Credit Services
Employees2,991
IPO dateNov 8, 2002
Valuation
Forward P/E—
EV/EBITDA32.69
Enterprise value$620.72M
Price / Book0.86
Stock splits
Aug 2, 2013↑ Forward
Every 1 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth22.77%
Gross margin99.16%▲62.53%vs FY2024
Operating margin33.92%▲12.22%vs FY2024
ROE-31.14%▼600.66%vs FY2024
Analyst consensus
RatingHold
Target price$25.00▲15.10%
5
Buy
8
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 7, 2026
Q2 FY26 · EPS est $0.51 · Revenue est $295.9M
View