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PRA Group, Inc.PRAACompetitor analysis, valuation and peers

United States · USD·Financials›Miscellaneous Commercial Services
Momentum laggard 10
Mkt cap
$486M
US dollars, full cap
Free float
96%
of shares outstanding
$/day
$8.49M
20-day average traded
P/B
0.47×
price to book
ROE
-22.2%
delivered
Implied ROE
6.6%
what the price asks
Official | Implied
BB / BB-
agencies · bond market
Next earnings
115 days
1 Mar 2027
Close · USD$12.92
1D-36.7%
1W-33.7%
1M-36.4%
3M-31.9%
6M-32.6%
YTD-27.0%
1Y-4.7%
ATR %11.0%
Beta0.64
52w lowhigh42.7% off high

What PRA does

Employees: 2,615

PRA at a glance

Size PRA (PRAA) is a United States Financials company (Miscellaneous Commercial Services) with a market value of $486M, the 2717th largest of 3,117 United States companies the cockpit tracks. Shares closed at $12.92 on 6 Nov 2026.

Performance Over six months the shares fell 32.6%, against +11.4% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd lowest of 10 in its peer set.

Growth Revenue grew 12.2% over the last twelve months (peer median +12.3%); the operating margin is 37.2% (peer median 5.7%).

Valuation It trades at 0.47× book value against a peer median of 0.89× (cheapest of 9).

Price implies The share price implies a return on equity of about 6.6%; PRA delivers -22.3%, so the price asks more than the business earns today.

Credit PRA has 4 bonds outstanding ($1.68B), rated BB by the agencies and trading like BB- at a weighted spread of 275 bp.

Short interest Short interest is 2.4% of the free float (15 Oct 2026).

Next results Next results expected around 1 Mar 2027 (exchange calendar; dates can move).

Relative performance

8010012011 May 202611 Aug 20266 Nov 2026Peer median 115PRAA 75
Six months, rebased to 100: PRA against the median of its 9 peers (local-currency closes).

PRA financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$1.33B$1.25B$1.14B$826M$966M
Revenue growth—+10%+38%-14%—
Gross profit$879M$834M$778M$528M$679M
EBITDA$506M$429M$378M$134M$339M
Net income-$265M-$305M$70.6M-$83.5M$117M
Free cash flow-$37.8M-$90.4M-$98.6M-$100M$8.34M
Capital expenditure$6.45M$4.82M$4.04M$2.89M$13.3M
Total debt$3.89B$3.84B$3.53B$3.08B$2.67B

Quarterly statements and history in the cockpit →

PRA competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%+150%0%+100%ACTGRPAYPSFECASSPAYSPICSKPLTSTNEPRAA6-month return →1-month return →
Up and to the right = strong over both horizons. PRA is the large dot.

Fundamentals: return on equity against price-to-book

-20%0%20%00×50×100×ACTGRPAYPSFECASSPAYSPICSSTNEMQPRAAReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. PRA is the large dot.

Capital: ROE delivered against the ROE the price implies

0%50%0%50%ACTGRPAYPSFECASSPAYSPICSSTNEMQPRAAROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. PRA is the large dot.

PRA competitors and peer comparison

How PRA compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

PRA against its 9 peers (data as of 6 Nov 2026)
MeasurePRAAPeer medianRank in peer set
1-month return-36.4%+0.4%2nd lowest of 10
6-month return-32.6%+11.4%2nd lowest of 10
Return on equity-22.2%15.8%3rd lowest of 9
Price / book0.47×0.89×cheapest of 9
ROE the price implies6.6%12.6%2nd least demanding of 9
ROE delivered-22.3%15.8%3rd lowest of 9
Bond spread275 bpn/a—

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
PRA PRAAUnited States$486M-33%+12%-22%0.47×6.6%-22.3%
Acacia Research ACTGUnited States$415M-9%+12%-3%0.62×6.0%-2.8%
Repay RPAYUnited States$388M+24%+9%-30%0.77×11.9%-30.3%
Paysafe PSFEUnited States$349M-28%+5%-30%0.60×9.5%-30.3%
Cass Information Systems CASSUnited States$694M+14%+2%16%3.06×15.3%16.2%
Paysign PAYSUnited States$829M+155%+47%31%13.78×92.0%30.8%
PicS PICSUnited States$889M-44%+89%31%0.73×12.3%30.5%
Katapult KPLTUnited States$939M+64%+13%n/an/an/an/a
StoneCo STNEUnited States$1.83B-30%-30%34%1.00×12.9%34.2%
Marqeta MQUnited States$1.93B+11%+17%15%2.31×19.1%15.4%

PRA bonds and credit

PRA has 4 bonds outstanding with $1.68B face value. The agencies rate it BB; its bonds trade like BB-. Weighted yield 6.92%, a spread of 275 bp over government bonds.

Every bond, yield and spread in the cockpit →

Questions

Which companies are PRA's closest peers?
The cockpit's peer set: Acacia Research (ACTG), Repay (RPAY), Paysafe (PSFE), Cass Information Systems (CASS), Paysign (PAYS), PicS (PICS), Katapult (KPLT), StoneCo (STNE).
Is PRA expensive compared with its peers?
On price / book it trades at 0.47× against a peer median of 0.89×, cheapest of 9 in its peer set. The share price implies a return on equity of about 6.6%; PRA delivers -22.3%, so the price asks more than the business earns today.
How has PRA stock performed?
Over six months to 6 Nov 2026 the shares returned -32.6% against +11.4% for the median peer; over one year -4.7%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.