PRA Group (PRAA) Stock Price, News & Analysis

Company Overview

PRA Group, Inc., operating under the NASDAQ symbol PRAA, is a leading global purchaser and servicer of nonperforming consumer debt portfolios. Founded in 1996 and headquartered in Norfolk, Virginia, the company acquires delinquent receivables from financial institutions, credit card issuers and telecommunications providers. PRA Group’s core business model involves purchasing distressed debt at a discount and employing a variety of recovery strategies—ranging from letters and phone-based collections to settlement negotiations and legal actions—to maximize returns on acquired portfolios.

The company serves both individual consumers and institutional sellers by offering tailored solutions designed to balance efficient recovery with consumer-oriented practices. PRA Group leverages a comprehensive suite of proprietary technology platforms and analytics tools to optimize collection outcomes. These platforms support multi-channel engagement, enabling digital payments, web-based settlement portals and mobile applications that simplify repayment for debtors while maintaining compliance with regulatory standards.

With operations spanning the United States, Europe and select Asia-Pacific markets, PRA Group maintains offices in key geographies including the United Kingdom, Germany, Italy, Spain and Ireland. This international footprint allows the company to apply local expertise in legal and regulatory frameworks, consumer protection norms and language-specific outreach. By integrating regional practices with global best practices, PRA Group seeks to deliver consistent performance and service quality to both its sellers and consumers.

Under the leadership of President and CEO Jeff Erhardt, PRA Group emphasizes a culture of innovation, compliance and social responsibility. The company invests in employee training, digital infrastructure and data security to uphold ethical standards in debt resolution. PRA Group also pursues strategic partnerships and community outreach programs aimed at financial education, underscoring its commitment to responsible debt recovery and long-term value creation for investors, clients and consumers alike.

Key Stats

• Today's Range: $15.46 to $16.10
• 50-Day Range: $13.31 to $19.30
• 52-Week Range: $12.91 to $27.54
• Volume: 402,148 shs
• Average Volume: 321,771 shs
• Market Capitalization: $627.01 million
• P/E Ratio: 8.83
• Dividend Yield: N/A
• Price Target: $27.00
• Consensus Rating: Buy

PRA Group Stock Analysis - MarketRank™

PRA Group scored higher than 84% of companies evaluated by MarketBeat, and ranked 232nd out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

PRA Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

PRA Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 19.05%

Earnings Growth

Earnings for PRA Group are expected to grow by 19.05% in the coming year, from $2.10 to $2.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of PRA Group is 8.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of PRA Group is 8.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.97.

Price to Book Value per Share Ratio

PRA Group has a P/B Ratio of 0.52. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.30% of the float of PRA Group has been sold short.

Short Interest Ratio / Days to Cover

PRA Group has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PRA Group has recently increased by 12.61%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

PRA Group does not currently pay a dividend.

Dividend Growth

PRA Group does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.30% of the float of PRA Group has been sold short.

Short Interest Ratio / Days to Cover

PRA Group has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PRA Group has recently increased by 12.61%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.9 / 5
• News Sentiment: -0.32

News Sentiment

PRA Group has a news sentiment score of -0.32. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for PRA Group this week, compared to 3 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, PRA Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $66,950.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 2.00% of the stock of PRA Group is held by insiders.

Percentage Held by Institutions

97.22% of the stock of PRA Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PRAA Stock Analysis - Frequently Asked Questions

How have PRAA shares performed this year?

PRA Group's stock was trading at $20.89 at the start of the year. Since then, PRAA stock has decreased by 24.3% and is now trading at $15.81.

How were PRA Group's earnings last quarter?

PRA Group, Inc. (NASDAQ:PRAA) announced its earnings results on Monday, May, 5th. The business services provider reported $0.09 EPS for the quarter, missing analysts' consensus estimates of $0.41 by $0.32. The business's revenue was up 5.5% on a year-over-year basis.
Read the conference call transcript.

How do I buy shares of PRA Group?

Shares of PRAA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of PRA Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that PRA Group investors own include Tesla (TSLA), Meta Platforms (META), Alphabet (GOOG), NVIDIA (NVDA), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 5/05/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 8/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:PRAA
• CIK: 1185348
• Web: www.pragroup.com
• Phone: (888) 772-7326
• Fax: 757-518-0901
• Employees: 3,115
• Year Founded: 1996

Price Target and Rating

• Average Stock Price Target: $27.00
• High Stock Price Target: $31.00
• Low Stock Price Target: $23.00
• Potential Upside/Downside: +68.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.79
• Trailing P/E Ratio: 8.94
• Forward P/E Ratio: 7.62
• P/E Growth: N/A
• Net Income: $70.60 million
• Net Margins: 6.27%
• Pretax Margin: 9.64%
• Return on Equity: 5.09%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.18
• Quick Ratio: 1.18

Sales & Book Value

• Annual Sales: $1.14 billion
• Price / Sales: 0.56
• Cash Flow: $2.19 per share
• Price / Cash Flow: 7.31
• Book Value: $30.27 per share
• Price / Book: 0.53

Miscellaneous

• Outstanding Shares: 39,659,000
• Free Float: 38,866,000
• Market Cap: $634.54 million
• Optionable: Optionable
• Beta: 1.52