-2.25%
7.38%
6.09%
-6.83%
-5.43%
-52.82%
-38.14%
AI Spotlight on PRAA
Company Description
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.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 cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables 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 and by servicing consumer bankruptcy accounts.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 incorporated in 1996 and is headquartered in Norfolk, Virginia.
Market Data
| Last Price | 22.11 |
| Change Percentage | -2.25% |
| Open | 22.52 |
| Previous Close | 22.62 |
| Market Cap ( Millions) | 872 |
| Volume | 263402 |
| Year High | 31.43 |
| Year Low | 18.64 |
| M A 50 | 21.19 |
| M A 200 | 21.94 |
Financial Ratios
| FCF Yield | -13.79% |
| Dividend Yield | 0.00% |
| ROE | 3.72% |
| Debt / Equity | 274.14% |
| Net Debt / EBIDTA | 1193.96% |
| Price To Book | 0.72 |
| Price Earnings Ratio | 20.1 |
| Price To FCF | -7.25 |
| Price To sales | 0.83 |
| EV / EBITDA | 15.19 |
News
- Jan -23 - Compelling Reasons to Hold on to PRA Group Stock Right Now
- Jan -03 - PRA Group: Rebuilding Credibility And Still Undervalued
- Dec -17 - Adrian Butler Elected to PRA Group Board of Directors
- Nov -22 - Is the Options Market Predicting a Spike in PRA Group (PRAA) Stock?
- Nov -20 - PRA Group Announces Pricing of Upsized Offering of Additional $150.0 Million of Senior Notes due 2030
- Nov -20 - PRA Group Announces Proposed Offering of Additional $100.0 Million of Senior Notes due 2030
- Nov -08 - PRA Group's Shares Up 17.8% Since Q3 Earnings Beat Estimates
- Nov -08 - PRA Group to Present at Upcoming November and December 2024 Investor Conferences
- Nov -05 - PRA Group, Inc. (PRAA) Q3 2024 Earnings Call Transcript
- Nov -04 - PRA Group (PRAA) Surpasses Q3 Earnings and Revenue Estimates
- Nov -04 - PRA Group Reports Third Quarter 2024 Results
- Oct -31 - PRA Group Announces Amendment and Extension of North American and United Kingdom Credit Agreements
- Oct -31 - PRA Group Pre-Q3 Earnings: Should You Buy the Stock Now?
- Oct -14 - PRA Group to Announce Third Quarter 2024 Results on November 4
- Sep -26 - Bull of the Day: PRA Group (PRAA)
- Sep -12 - Here's Why Investors Should Add PRA Group Stock to Their Portfolio
- Sep -11 - 4 High Earnings Yield Value Stocks That Investors May Buy Now
- Sep -09 - PRA Group Names Adrian Murphy as its Global Chief Data and Analytics Officer
- Sep -04 - Wall Street Analysts See a 28.42% Upside in PRA Group (PRAA): Can the Stock Really Move This High?
- Aug -19 - PRA Group (PRAA) Shows Fast-paced Momentum But Is Still a Bargain Stock
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Portfolios of Nonperforming Loans
Expected Growth : 8 %
What the company do ?
PRA Group's Portfolios of Nonperforming Loans involve acquiring and managing defaulted consumer debt, providing a revenue stream through debt recovery and resale.
Why we expect these perspectives ?
PRA Group's 8% growth in portfolios of nonperforming loans is driven by increasing demand for debt recovery services, expansion into new markets, and strategic acquisitions. Additionally, the company's expertise in purchasing and managing nonperforming loans, as well as its ability to leverage technology to optimize collections, contribute to its growth.
Segment n°2 -> Other
Expected Growth : 12 %
What the company do ?
Other from PRA Group, Inc. refers to non-core revenue streams, including fees from third-party clients and interest income on certain assets.
Why we expect these perspectives ?
PRA Group's 12% growth in 'Other' segment is driven by increasing demand for its business process outsourcing services, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation and investment in technology have improved operational efficiency, leading to higher revenue and profitability.
Pra Group, Inc. Products
| Product Range | What is it ? |
|---|---|
| Contingency Fee Based Debt Buying | PRA Group, Inc. purchases and manages portfolios of defaulted consumer debts, including credit cards, auto loans, and other types of debt. |
| Fee-Based Services | PRA Group, Inc. offers fee-based services, including debt collection, skip tracing, and litigation services, to creditors and debt buyers. |
| Government Services | PRA Group, Inc. provides debt collection and revenue enhancement services to government agencies, including tax authorities and municipalities. |
| Purchase, Rehabilitation and Servicing (PRS) Program | PRA Group, Inc.'s PRS program purchases and rehabilitates distressed debt portfolios, with a focus on customer service and debt resolution. |
PRA Group, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for PRA Group, Inc. is medium due to the presence of alternative debt collection agencies and financial institutions that offer similar services.
Bargaining Power Of Customers
The bargaining power of customers for PRA Group, Inc. is low due to the company's diversified client base and the lack of concentration of customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for PRA Group, Inc. is low due to the company's ability to negotiate with suppliers and the lack of concentration of suppliers.
Threat Of New Entrants
The threat of new entrants for PRA Group, Inc. is high due to the relatively low barriers to entry in the debt collection industry and the increasing trend of fintech companies entering the market.
Intensity Of Rivalry
The intensity of rivalry for PRA Group, Inc. is high due to the competitive nature of the debt collection industry and the presence of several established players in the market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 72.26% |
| Debt Cost | 8.85% |
| Equity Weight | 27.74% |
| Equity Cost | 11.26% |
| WACC | 9.51% |
| Leverage | 260.46% |
PRA Group, Inc. : Quality Control
PRA Group, Inc. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPSS | Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile … |
| GDOT | Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business … |
| LC | LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
| OPRT | Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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LendingClub
A-Score
1-Year Total Return ->
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Consumer Portfolio Services
A-Score
1-Year Total Return ->
🥉
Green Dot
A-Score
1-Year Total Return ->
4
Oportun Financial
A-Score
1-Year Total Return ->
5
PRA Group
A-Score
1-Year Total Return ->
6
