Is PRA Group (PRAA) overvalued or fairly valued?

MarketChacha shows PRA Group's valuation in context — a forward P/E of about 7.6, a price-to-book of about 0.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is PRA Group's revenue?

PRA Group reported revenue of $1.2B for FY2025, with net profit of $-305.1M, per official filings.

What is the share price of PRA Group (PRAA)?

PRA Group last traded at $19.82 (+1.0% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

PRA Group

PRAA · NYSE · Financials · United States

Snapshot

TickerPRAA

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees2,417

HeadquartersNorfolk, United States

Websitewww.pragroup.com

Filings tracked15

About PRA Group

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.

Who owns it

Insiders2.3%
Institutions94.6%
Public & other3.0%

278 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.11.77%
Topline Capital Management, LLC10.21%
T. Rowe Price Investment Management, Inc.8.01%
Vanguard Capital Management LLC4.38%
Global Alpha Capital Management Ltd.4.18%
Dimensional Fund Advisors LP3.61%
American Century Companies Inc2.72%
Geode Capital Management, LLC2.68%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Margin has compressed by about 15.0 points over the period — profitability is trending down.

Net margin trend-10.4% → -25.4%

Margin has compressed by about 15.0 points over the period — profitability is trending down.

Return on equity-31.1%

Latest ROE of -31.1% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $309.7M · EPS 0.89

Est. earnings growth -39.0%

Next fiscal year

Rev $1.2B · EPS 2.60

Est. earnings growth -23.5%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$1.2B

Net margin

-25.4%

ROE

-31.1%

Revenue CAGR (2y)

+22.4%

EPS (FY2025)

-7.79

Net profit (FY2025)

$-305.1M

Ask MarketChacha about PRAA

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.2B	$-305.1M	-7.79	-25.4%	-31.1%
FY2024	$1.1B	$70.6M	1.79	6.3%	6.2%
FY2023	$802.6M	$-83.5M	-2.13	-10.4%	-7.2%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$372.2M	$57.9M	1.51	15.6%
2026Q1	$314.5M	$28.2M	0.73	9.0%
2025Q3	$311.1M	$-407.7M	-10.43	-131.0%
2025Q2	$287.7M	$42.4M	1.08	14.7%
2025Q1	$269.6M	$3.7M	0.09	1.4%
2024Q3	$281.5M	$27.2M	0.69	9.6%
2024Q2	$284.2M	$21.5M	0.54	7.6%
2024Q1	$255.6M	$3.5M	0.09	1.4%
2023Q3	$216.4M	$-12.3M	-0.31	-5.7%
2023Q2	$209.2M	$-3.8M	-0.10	-1.8%
2023Q1	$155.5M	$-58.6M	-1.50	-37.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/7/2026
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC8/6/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC6/23/2026material
10-Q filing
SEC5/8/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC5/7/2026material
8-K — Material agreement, Material financial obligation, Reg FD disclosure, Exhibits
SEC5/5/2026material
10-K filing
SEC3/2/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC2/26/2026material

2025

10-Q filing
SEC11/10/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC11/3/2025material
8-K — Material agreement, Material financial obligation, Exhibits
SEC10/1/2025material
8-K — Other events, Exhibits
SEC9/24/2025material
8-K — Other events, Exhibits
SEC9/22/2025material
10-Q filing
SEC8/6/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC8/4/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.