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PRA Group, Inc. (PRAA)

Financial Services | Credit Services | Norfolk, United States | NasdaqGS
18.29 USD -0.20 (-1.082%) ⇩ (July 13, 2026, 4 p.m. EDT)
Short-term:★☆☆☆☆Long-term:★☆☆☆☆Dividends:☆☆☆☆☆
Hot Take ↕ | July 11, 2026, 6:14 a.m. EDT

The investment case for PRA Group is currently broken by a severe disconnect between reported operational metrics and the reality of the balance sheet. While the company recently beat earnings estimates and shows positive revenue growth, the underlying business is hemorrhaging cash, with free cash flow and operating cash flow both deeply negative. More critically, the return on equity is negative at -22.8%, indicating that the company is destroying shareholder value despite the top-line growth. The market has correctly priced this deterioration, evidenced by four consecutive years of declining share prices and a massive 38% drop over the last nine years. With no dividend to provide income and a balance sheet burdened by debt-to-equity exceeding 350x, there is no margin of safety here. The options market confirms this bearish sentiment, with traders aggressively buying puts to hedge against further declines. Until the company demonstrates a path to positive cash flow and a return to profitability, this remains a speculative trap rather than a value opportunity.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.265340
AutoETS0.265343
AutoTheta0.265723
MSTL0.270414

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 42%
H-stat 0.48
Ljung-Box p 0.000
Jarque-Bera p 0.092
Excess Kurtosis -0.64
Attribute Value
Sector Financial Services
Ex Dividend Date 2007-05-06
Last Dividend Date 2007-05-06
Debt to Equity Ratio 356.969
Revenue per Share 32.068
Market Cap 697,596,864
Forward P/E 6.47
Beta 1.10
Profit Margins -22.51%
Website https://www.pragroup.com

As of July 11, 2026, 6:14 a.m. EDT: Speculators are overwhelmingly positioning for downside protection rather than upside participation. Put volume and open interest significantly exceed call volume across all expirations, with heavy concentration in out-of-the-money strikes (e.g., $12.50 and $5.00). This indicates a market consensus expecting further price weakness, despite the stock trading near its 52-week high relative to the recent 14-day range.

Dividend Data

Dividend History
Date Dividend Yield %
2007-05-07 0.333333 1.844336
Additional Data
exDividendDate 2007-05-07
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.333333
lastDividendDate 2007-05-07

Info Dump

Attribute Value
52 Week Change 0.16582596
Address1 120 Corporate Boulevard
All Time High 65.0
All Time Low 4.916667
Ask 23.43
Ask Size 2
Audit Risk 3
Average Daily Volume10 Day 460,770
Average Daily Volume3 Month 655,437
Average Volume 655,437
Average Volume10Days 460,770
Beta 1.102
Bid 13.37
Bid Size 2
Board Risk 4
Book Value 26.278
City Norfolk
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 18.29
Current Ratio 22.39
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 18.89
Day Low 18.23
Debt To Equity 356.969
Display Name PRA
Earnings Call Timestamp End 1,778,187,600
Earnings Call Timestamp Start 1,778,187,600
Earnings Growth 7.111
Earnings Quarterly Growth 6.71
Earnings Timestamp 1,778,184,000
Earnings Timestamp End 1,778,184,000
Earnings Timestamp Start 1,778,184,000
Ebitda 420,224,000
Ebitda Margins 0.33706
Enterprise To Ebitda 10.582
Enterprise To Revenue 3.567
Enterprise Value 4,446,960,640
Eps Current Year 2.515
Eps Forward 2.825
Eps Trailing Twelve Months -7.15
Esg Populated 0
Ex Dividend Date 1,178,496,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 16.9916
Fifty Day Average Change 1.2984009
Fifty Day Average Change Percent 0.07641428
Fifty Two Week Change Percent 16.582596
Fifty Two Week High 22.55
Fifty Two Week High Change -4.2599983
Fifty Two Week High Change Percent -0.18891346
Fifty Two Week Low 10.25
Fifty Two Week Low Change 8.040001
Fifty Two Week Low Change Percent 0.78439033
Fifty Two Week Range 10.25 - 22.55
Financial Currency USD
First Trade Date Milliseconds 1,036,765,800,000
Float Shares 33,443,456
Forward Eps 2.825
Forward P E 6.4743366
Free Cashflow -437,300,128
Full Exchange Name NasdaqGS
Full Time Employees 2,541
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 1.0
Gross Profits 1,246,750,976
Has Pre Post Market Data 1
Held Percent Insiders 0.02337
Held Percent Institutions 1.01362
Implied Shares Outstanding 38,140,888
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,178,496,000
Last Dividend Value 0.333333
Last Fiscal Year End 1,767,139,200
Last Split Date 1,375,401,600
Last Split Factor 3:1
Long Business Summary PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include 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.
Long Name PRA Group, Inc.
Market us_market
Market Cap 697,596,864
Market State PRE
Max Age 86,400
Message Board Id finmb_1538503
Most Recent Quarter 1,774,915,200
Net Income To Common -280,591,008
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 705,225,019
Number Of Analyst Opinions 1
Open 18.73
Operating Cashflow -8,024,000
Operating Margins 0.32828
Overall Risk 3
Payout Ratio 0.0
Peg Ratio 5.82
Phone 888 772 7326
Pre Market Change -0.11000061
Pre Market Change Percent -0.6014249
Pre Market Price 18.18
Pre Market Time 1,784,018,334
Previous Close 18.49
Price Eps Current Year 7.272366
Price Hint 2
Price To Book 0.69601953
Price To Sales Trailing12 Months 0.5595318
Profit Margins -0.22506
Quick Ratio 21.806
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.199999
Regular Market Change Percent -1.08166
Regular Market Day High 18.89
Regular Market Day Low 18.23
Regular Market Day Range 18.23 - 18.89
Regular Market Open 18.73
Regular Market Previous Close 18.49
Regular Market Price 18.29
Regular Market Time 1,783,972,801
Regular Market Volume 222,591
Return On Assets 0.049790002
Return On Equity -0.22754999
Revenue Growth 0.167
Revenue Per Share 32.068
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 38,140,888
Shares Percent Shares Out 0.0228
Shares Short 868,056
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,176,291
Short Name PRA Group, Inc.
Short Percent Of Float 0.0277
Short Ratio 0.87
Source Interval 15
State VA
Symbol PRAA
Target High Price 26.0
Target Low Price 26.0
Target Mean Price 26.0
Target Median Price 26.0
Total Cash 131,306,000
Total Cash Per Share 3.443
Total Debt 3,814,404,096
Total Revenue 1,246,750,976
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps -7.15
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 16.24795
Two Hundred Day Average Change 2.0420513
Two Hundred Day Average Change Percent 0.12568055
Type Disp Equity
Volume 222,591
Website https://www.pragroup.com
Zip 23,502