Stock PRAA PRA GROUP, INC.
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Financials PRA Group, Inc.

Equities

PRAA

US69354N1063

Corporate Financial Services

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
24.11 USD +0.96% Intraday chart for PRA Group, Inc. -1.07% -7.98%
Mar. 12 PRA Group, Inc Appoints Glenn Marino to Board of Directors CI
Feb. 16 Sector Update: Financial Stocks Mixed in Afternoon Trading MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,648 1,808 2,190 1,317 1,028 946.3 -
Enterprise Value (EV) 1 4,443 1,808 2,190 1,317 1,028 946.3 946.3
P/E ratio 19.2 x 12.2 x 12.4 x 11.5 x -12.3 x 36.7 x 12.3 x
Yield - - - - - - -
Capitalization / Revenue 1.66 x 1.7 x 2 x 1.36 x 1.28 x 0.97 x 0.89 x
EV / Revenue 1.66 x 1.7 x 2 x 1.36 x 1.28 x 0.97 x 0.89 x
EV / EBITDA 6.22 x 4.91 x 5.61 x 4.37 x 9.03 x 3.26 x 2.73 x
EV / FCF -5.36 x 14.5 x 29.7 x - - -1.79 x -2.17 x
FCF Yield -18.7% 6.89% 3.37% - - -55.8% -46.2%
Price to Book 1.41 x - 1.6 x 1.07 x 0.89 x 0.72 x 0.66 x
Nbr of stocks (in thousands) 45,411 45,580 43,613 38,977 39,244 39,247 -
Reference price 2 36.30 39.66 50.21 33.78 26.20 24.11 24.11
Announcement Date 2/27/20 2/25/21 2/28/22 2/27/23 2/15/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 993.1 1,065 1,096 966.5 802.6 971.8 1,059
EBITDA 1 265.2 368.2 390.3 301 113.9 290 346.3
EBIT 1 247.7 349.7 375 285.8 100.5 246.2 311
Operating Margin 24.94% 32.82% 34.22% 29.57% 12.52% 25.33% 29.38%
Earnings before Tax (EBT) 1 117.4 208.9 250.3 154.8 -82.89 34.65 95.49
Net income 1 86.16 149.3 183.2 117.1 -83.48 26.16 71.77
Net margin 8.68% 14.02% 16.72% 12.12% -10.4% 2.69% 6.78%
EPS 2 1.890 3.260 4.040 2.940 -2.130 0.6567 1.960
Free Cash Flow 1 -307.8 124.5 73.71 - - -528.3 -436.8
FCF margin -31% 11.68% 6.73% - - -54.37% -41.26%
FCF Conversion (EBITDA) - 33.81% 18.89% - - - -
FCF Conversion (Net income) - 83.35% 40.25% - - - -
Dividend per Share - - - - - - -
Announcement Date 2/27/20 2/25/21 2/28/22 2/27/23 2/15/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 263.7 256.9 240.6 258.3 244.8 222.9 155.5 209.2 216.4 221.4 233.4 237.2 247.5 253.7 263.9
EBITDA 1 81.3 86.18 75.74 87.6 74.53 63.17 -30.06 49.04 46.32 48.56 60.12 66.86 78.36 84.7 78.88
EBIT 1 77.58 82.45 71.97 83.74 70.79 59.31 -33.64 45.56 43.05 45.53 53.1 56.38 64.33 72.36 72.67
Operating Margin 29.42% 32.09% 29.91% 32.42% 28.92% 26.62% -21.64% 21.77% 19.89% 20.56% 22.75% 23.77% 25.99% 28.52% 27.54%
Earnings before Tax (EBT) 1 49.3 49.34 39.2 53.31 38.25 24.02 -72.59 2.738 -6.363 -6.676 1.734 2.878 9.501 20.54 21.56
Net income 1 34.48 34.28 39.97 36.48 24.73 15.96 -58.63 -3.804 -12.26 -8.782 -1.779 1.763 9.578 16.6 16.51
Net margin 13.08% 13.34% 16.61% 14.13% 10.1% 7.16% -37.71% -1.82% -5.67% -3.97% -0.76% 0.74% 3.87% 6.54% 6.26%
EPS 2 0.7600 0.7900 0.9700 0.9100 0.6300 0.4100 -1.500 -0.1000 -0.3100 -0.2200 -0.0467 0.0433 0.2433 0.4333 0.4250
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 11/8/21 2/28/22 5/9/22 8/8/22 11/3/22 2/27/23 5/8/23 8/7/23 11/6/23 2/15/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt 2,795 - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) 10.54 x - - - - - -
Free Cash Flow 1 -308 124 73.7 - - -528 -437
ROE (net income / shareholders' equity) 7.61% - 13.9% 9.32% - - -
ROA (Net income/ Total Assets) 2.07% - 4.15% 2.74% - - -
Assets 1 4,167 - 4,410 4,271 - - -
Book Value Per Share 2 25.70 - 31.40 31.50 29.50 33.70 36.50
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/27/20 2/25/21 2/28/22 2/27/23 2/15/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for PRA Group, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
24.11 USD
Average target price
31 USD
Spread / Average Target
+28.58%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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