PRAA$15.75
$15.86
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AI PRAA Summary
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Powered by LiveAIOverall Analysis
HoldPRA Group shows mixed signals. Fundamentally, its valuation is attractive, but profitability has been inconsistent. Technically, the stock is in a downtrend with weak momentum, suggesting caution. Thematic exposure to debt collection is stable but not high-growth.
Thematic
PRA Group operates in the financial services sector, specifically debt purchasing and collection. This sector is mature and can be sensitive to economic cycles and regulatory changes. While providing a consistent service, it lacks the high-growth, disruptive thematic appeal of technology or renewable energy sectors.
Fundamental
PRA Group's valuation metrics like P/E are attractive, especially on a TTM basis, indicating potential undervaluation. However, recent earnings performance (Q1 2025) has been weak, with a significant negative EPS surprise. While revenue for 2024 looks strong, profitability margins have fluctuated, and the company carries a substantial debt load.
Technical
The stock is experiencing a significant price decline, trading below key moving averages across multiple timeframes. Oscillators suggest weak momentum, with most indicators pointing towards selling pressure or neutrality at best. The 52-week range shows a substantial drawdown from its peak.
| Factor | Score |
|---|---|
| Financial Services Sector | 70 |
| Debt & Credit Management | 65 |
| Regulatory Environment | 50 |
| Digital Transformation | 55 |
| Factor | Score |
|---|---|
| Valuation | 90 |
| Valuation | 85 |
| Profitability | 65 |
| Growth | 80 |
| Balance Sheet Health | 40 |
| Cash Flow | 30 |
| Earnings Quality | 20 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 45 |
| Momentum | 40 |
| Support & Resistance | 50 |
| Volume | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Positive Earnings Surprises
The company has a history of beating EPS estimates. For example, in Q4 2024, reported EPS of $0.69 significantly exceeded the estimate of $0.32, a surprise of 115.62%. Similar positive surprises were observed in Q3 2024 and Q2 2024.
Low P/E Ratio
The trailing P/E ratio of 8.80 is relatively low, especially when compared to historical trends or industry averages (if available in broader context), suggesting the stock might be undervalued based on current earnings.
Bearish Points (8)
Negative Earnings Surprise in Q2 2023
There was a significant negative earnings surprise in Q2 2023 (-415.13%), with reported EPS of -1.50 against an estimate of 0.48. While recent quarters have seen positive surprises, this historical event warrants attention.
Volatile Revenue and Profitability Trends
Revenue and net income have shown significant year-over-year fluctuations. For instance, net income dropped significantly in 2023 (-10.2% net margin) from a strong 2022 (12.1% net margin) and a very strong 2021 (16.7% net margin). This volatility indicates potential instability in business performance.
Calendar
May 2007
7
Ex-Dividend Date
August 2025
5
Next Earnings Date
H: $0.91
A: $0.61
L: $0.32
H: 289.43M
A: 279.34M
L: 265.81M
Profile
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. The company purchases accounts that are primarily unpaid obligations of individuals owed to credit originators. It also purchases and collects nonperforming loans, which are sold by credit originators when they choose not to pursue, or have been unsuccessful in, collecting the full balance owed. In addition, the company is involved in purchasing and collecting on nonperforming loans where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. Its nonperforming loans, includes general purpose and private label credit cards, consumer loans, auto loans, overdrafts, and small business loans. 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.
Seasonals
Price Target
25.33 USD
The 39 analysts offering 1 year price forecasts for PRAA have a max estimate of 33.00 and a min estimate of 20.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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