Is PRA Group (PRAA) overvalued or fairly valued?

MarketChacha shows PRA Group's valuation in context — a forward P/E of about 6.0, a price-to-book of about 0.6 — 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 $16.96 (-2.9% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

PRA Group

PRAA · NYSE · Financials · United States

$16.96-2.9%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:27 PM

Snapshot

TickerPRAA

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees2,541

HeadquartersNorfolk, United States

Market cap$646.9M

P/B0.6

Volume226.35K

Websitewww.pragroup.com

Filings tracked4

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders2.3%
Institutions97.7%
Public & other0.0%

269 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.18.59%
Topline Capital Management, LLC10.08%
T. Rowe Price Investment Management, Inc.9.55%
Global Alpha Capital Management Ltd.5.08%
Vanguard Capital Management LLC4.34%
Dimensional Fund Advisors LP4.29%
State Street Corporation3.94%
Geode Capital Management, LLC2.48%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

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 $301.6M · EPS 0.59

Est. earnings growth +10.4%

Next fiscal year

Rev $1.2B · EPS 2.83

Est. earnings growth +12.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$10.2552-wk range$22.55

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$646.9M

Day change

-2.9%

Fwd P/E

6.0

P/B

0.6

Beta

1.10

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

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about PRAA

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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
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

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

In the news

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