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PRA Group Inc

Financial Services US PRAA

17.6USD
1.74(10.97%)

Last update at 2026-06-23T20:00:00Z

Day Range

15.8717.62
LowHigh

52 Week Range

11.8531.43
LowHigh

Fundamentals

  • Previous Close 15.86
  • Market Cap869.29M
  • Volume873203
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA218.28M
  • Revenue TTM902.67M
  • Revenue Per Share TTM23.00
  • Gross Profit TTM 966.52M
  • Diluted EPS TTM-0.54

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 154.78M 250.33M 208.94M 117.36M 89.50M
Minority interest -0.85100M -12.35100M 18.40M 11.52M 10.17M
Net income 117.15M 183.16M 149.34M 86.16M 65.56M
Selling general administrative 150.15M 186.67M 214.17M 251.33M 208.06M
Selling and marketing expenses - - - - -
Gross profit 680.99M 793.75M 770.26M 682.62M 555.43M
Reconciled depreciation 15.24M 15.26M 18.46M 17.46M 19.32M
Ebit 285.80M 375.00M 349.70M 247.69M 184.94M
Ebitda 299.72M 390.53M 367.12M 264.79M 204.27M
Depreciation and amortization 13.92M 15.54M 17.42M 17.10M 19.32M
Non operating income net other - -0.52700M 0.96M 11.59M 25.32M
Operating income 285.80M 375.00M 349.70M 247.69M 185.26M
Other operating expenses 680.72M 720.74M 715.71M 745.37M 689.57M
Interest expense 130.68M 124.14M 141.71M 141.92M 121.08M
Tax provision 36.79M 54.82M 41.20M 19.68M 13.76M
Interest income 2.23M 1.09M 1.01M 2.25M 3.13M
Net interest income -130.67700M -124.14300M -141.71200M -136.28200M -123.61000M
Extraordinary items - - - - 0.72M
Non recurring - 78.33M 101.64M 134.16M 104.99M
Other items - - - - -
Income tax expense 36.79M 54.82M 41.20M 19.68M 13.76M
Total revenue 966.52M 1095.73M 1065.41M 993.06M 874.83M
Total operating expenses 395.19M 418.75M 420.56M 434.93M 370.17M
Cost of revenue 285.54M 301.98M 295.15M 310.44M 319.40M
Total other income expense net -131.01700M -124.67000M -140.75600M -130.32800M 25.32M
Discontinued operations - - - - -
Net income from continuing ops 118.00M 195.51M 167.74M 97.68M 75.73M
Net income applicable to common shares 117.15M 183.16M 149.34M 86.16M 65.56M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 4525.35M 4175.67M 4366.24M 4453.06M 4423.89M
Intangible assets - - - - 4.50M
Earning assets - - - - -
Other current assets -3798.00300M 1.87M 5.02M 12.43M 4.58M
Total liab 3285.98M 2888.92M 3041.41M 3079.53M 3196.88M
Total stockholder equity 1167.11M 1227.66M 1286.35M 1341.92M 1169.39M
Deferred long term liab - - - - -
Other current liab 1703.11M -810.17100M 124.62M 132.74M 106.25M
Common stock 0.39M 0.39M 0.41M 0.46M 0.45M
Capital stock 0.39M 0.39M 0.41M 0.46M 0.45M
Retained earnings 1489.55M 1573.03M 1552.85M 1511.97M 1362.63M
Other liab - 58.15M 95.98M 95.85M 87.94M
Good will 431.56M 435.92M 480.26M 492.99M 480.79M
Other assets 3684.31M 3381.60M 1416.65M 278.31M 89.58M
Cash 113.69M 83.38M 87.58M 108.61M 119.77M
Cash and equivalents - - - - -
Total current liabilities 1709.43M 257.41M 150.90M 132.31M 97.23M
Current deferred revenue -138.10400M - -1145.35100M -1583.32300M -119.52100M
Net debt 2966.47M 3531.12M 2582.32M 2610.02M 2762.03M
Short term debt 138.10M 1060.25M 1167.81M 1577.60M 106.25M
Short long term debt 1437.71M 1060.25M 1167.81M 1577.60M 106.25M
Short long term debt total 3080.16M 3614.49M 2669.90M 2718.64M 2881.80M
Other stockholder equity 7.07M 2.17M 38.49M 75.28M 67.32M
Property plant equipment - 106.15M 111.23M 58.36M 56.50M
Total current assets 3796.84M 3410.16M 3557.01M 3670.96M 3662.46M
Long term investments 72.40M 79.95M 92.98M 55.76M 56.18M
Net tangible assets - 791.74M 806.08M 848.93M 684.10M
Short term investments 21.77M 79.95M 92.98M - -
Net receivables 3684.31M 3326.78M 3469.43M 3549.91M 3542.69M
Long term debt 1476.56M 1434.61M 1440.91M 2661.29M 2808.43M
Inventory -21.77000M - - - -
Accounts payable 6.33M 7.33M 3.82M 5.29M 4.26M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - 38.49M 31.61M 57.62M
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -329.89900M -347.92600M -266.90900M -245.79100M -261.01800M
Additional paid in capital - - - - -
Common stock total equity - - 0.41M 0.46M 0.45M
Preferred stock total equity - - - - -
Retained earnings total equity - - 1552.85M 1511.97M 1362.63M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 44.75M 86.59M 57.00M 38.84M 31.26M
Deferred long term asset charges - - - - -
Non current assets total 728.51M 765.52M 809.23M 782.10M 761.43M
Capital lease obligations 50.30M 59.38M 61.19M 57.35M 73.38M
Long term debt total - - 2608.71M 2661.29M 2808.43M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 120.45M 160.38M -905.42600M -1239.63400M -1122.47200M
Change to liabilities 3.96M 11.13M 37.18M -1.66400M 8.81M
Total cashflows from investing activities 120.45M 160.38M 115.00M -441.19000M -387.25100M
Net borrowings -1.50000M -57.93500M -216.45600M 326.68M 313.16M
Total cash from financing activities -121.34200M -262.81200M -252.10000M 339.52M 294.93M
Change to operating activities -19.38100M 43.55M 11.82M 16.82M -4.08000M
Net income 118.00M 195.51M 167.74M 97.68M 75.73M
Change in cash -4.31400M -31.97500M -2.76000M 25.11M -21.82100M
Begin period cash flow 89.07M 121.05M 123.81M 98.69M 120.52M
End period cash flow 84.76M 89.07M 121.05M 123.81M 98.69M
Total cash from operating activities 21.59M 84.92M 141.70M 133.39M 80.87M
Issuance of capital stock - - - - -
Depreciation 15.24M 15.26M 18.46M 17.46M 19.32M
Other cashflows from investing activities 974.85M 1185.31M 1037.66M 816.48M 755.74M
Dividends paid - - - - 14.49M
Change to inventory - - - - -
Change to account receivables - - -2.21500M 6.30M -4.26900M
Sale purchase of stock -111.37100M -200.88700M -29.15800M 17.80M -14.48600M
Other cashflows from financing activities 1598.64M 1111.15M 1602.53M 1380.97M 708.27M
Change to netincome -119.18300M 51.53M -29.76900M -31.62100M -68.53200M
Capital expenditures 13.25M 11.21M 17.23M 18.03M 20.52M
Change receivables - - -2.21500M 6.30M -4.26900M
Cash flows other operating - -198.01300M -70.76000M 22.24M 27.74M
Exchange rate changes - - - - -10.36200M
Cash and cash equivalents changes - -17.51100M 4.61M 31.72M -21.82100M
Change in working capital -1.71200M 11.41M 32.52M 8.68M 2.36M
Stock based compensation 13.05M 15.94M 14.39M 10.72M 8.52M
Other non cash items -123.59100M -159.99000M -32.91000M 36.41M 31.14M
Free cash flow 8.34M 73.71M 124.47M 115.36M 60.34M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
PRAA
PRA Group Inc		 1.74 10.97% 17.60 - 13.07 1.19 0.82 4.67 363.32
V
Visa Inc. Class A		 1.88 0.58% 328.48 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 3.98 0.82% 488.07 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -0.29 0.09% 337.78 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -2.89 1.44% 197.81 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit card accounts, private label and other credit card accounts, personal loans, automobile loans, and small business loans from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries. 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.

PRA Group Inc

120 Corporate Boulevard, Norfolk, VA, United States, 23502

Key Executives

Name Title Year Born
Mr. Steven D. Fredrickson Co-Founder & Non-Exec. Chairman 1960
Mr. Kevin P. Stevenson Founder, Pres, CEO & Director 1965
Mr. Peter M. Graham Exec. VP & CFO 1966
Mr. Steven C. Roberts Exec. VP & Global Operations Officer 1962
Mr. Christopher B. Graves Exec. VP of Global Investments & Analytics Officer 1969
Ms. Laura B. White Exec. VP, Chief Risk & Compliance Officer 1971
Ms. Chris Burroughs Chief Technology Officer NA
Mr. Jan Husby Global Chief Information Officer 1964
Lauren Partin Sr. VP of Fin. & Investor Relations NA
Mr. Christopher D. Lagow Exec. VP & Gen. Counsel 1974

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