Stocktoria

PRA GROUP INC PRAA

Nasdaq · stock · Short-Term Business Credit Institutions · website · IPO 2002-11-08 · LEI

PRA GROUP INC statistics & valuation

Market cap$722.0M
P / S0.6×
P / B0.7×
Net margin-25.4%
Return on equity-29.3%
FCF margin-7.5%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
9.30% 19.80% 7.20% 8.50% 14.00% 16.70% 12.10% -10.40% 6.30% -25.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
23.60% 25.80% 20.40% 24.40% 32.80% 34.20% 29.60% 12.50% 30.50% -2.50% 2016201720182019202020212022202320242025
Return on equity (%)
9.40% 14.40% 5.80% 7.00% 11.00% 13.80% 9.10% -6.70% 5.90% -29.30% 2016201720182019202020212022202320242025
Shares outstanding
46.4M 45.8M 45.4M 45.6M 45.9M 45.3M 39.9M 39.2M 39.5M 39.2M 2016201720182019202020212022202320242025
Net debt ($)
$1.72B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
2.70% 4.40% 1.70% 1.90% 3.40% 4.20% 2.80% -1.80% 1.40% -6.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
20.60% -0.90% 6.60% 11.30% 11.70% 6.70% 0.90% -12.50% -8.90% -7.50% 2016201720182019202020212022202320242025
Debt / equity (×)
1.98× 2016201720182019202020212022202320242025
EPS ($)
$1.86 $3.59 $1.44 $1.89 $3.26 $4.04 $2.94 -$2.13 $1.79 -$7.79 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PRA GROUP INC trades at about 10.9× earnings — below its 10-year norm (10-year range 8.6×–21.4×, median 13.7×).

8.6× 21.4×

Shaded band = 10-year range (8.6×–21.4×); dot = today's 10.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin-2.5%30.5%12.5%29.6%34.2%32.8%24.4%20.4%25.8%23.6%
Net margin-25.4%6.3%-10.4%12.1%16.7%14.0%8.5%7.2%19.8%9.3%
FCF margin-7.5%-8.9%-12.5%0.9%6.7%11.7%11.3%6.6%-0.9%20.6%
Return on assets-6.0%1.4%-1.8%2.8%4.2%3.4%1.9%1.7%4.4%2.7%
Return on equity-29.3%5.9%-6.7%9.1%13.8%11.0%7.0%5.8%14.4%9.4%
Debt / equity—————————1.98×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.