PRA Group, Inc. (PRAA) Stock Analysis

Company Overview

PRA Group, Inc. (PRAA) carries a market capitalisation of $716.07M. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 2,417 employees.

The most recent close on file for PRAA is $19.02, dated September 4, 2026. That is +$0.03 (+0.16%) against the previous close. Over the past 52 weeks the price has ranged from $10.25 to $22.55. The latest close sits 85.56% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $1.21B. That is +7.97% against the prior fiscal year, when revenue was $1.12B. The same year closed with a net loss of $305.14M. Profit margin runs at −19.91%. That is 29.9 percentage points below the Credit Services median of 9.99%. Trailing earnings per share are −6.72.

Across the 4 fiscal years on file, revenue moves from $966.52M in 2022 to $1.21B in 2025. Of those 4 years, 2 report positive net income.

Valuation Assessment

No trailing P/E applies: the last reported earnings figure is negative. The forward P/E on file is 7.32. The PEG ratio, which sets the P/E against expected earnings growth, reads 5.82. Measured against sales, the shares trade at 0.54 times revenue. On price-to-sales that is 0.3 times the Credit Services median of 1.64. The medians here are taken across 60 Credit Services companies that report the metric.

Over the trailing twelve months the price has returned +12.15%. Across 10 years the annualized return works out at −5.05%. The reported beta is 1.11. Annualized volatility over the trailing 10 years is 46.87%.

Growth & Income

The record shows no dividend for PRAA.

2026 is still running; the price is +7.52% year to date. The strongest complete calendar year on file is 2019 at +48.95%; the weakest is 2022 at −32.72%. Of the 9 complete calendar years on file, 3 finished higher.