PRA Financials

PRAA Stock  USD 20.65  0.27  1.32%   
Based on the key measurements obtained from PRA's financial statements, PRA Group may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, PRA's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 3.2 B, whereas Total Stockholder Equity is forecasted to decline to about 701.6 M. Key indicators impacting PRA's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio2.632.5077
Sufficiently Up
Slightly volatile
Operating Income180.7 M100.5 M
Way Up
Pretty Stable
Current Ratio17.3714.0615
Fairly Up
Slightly volatile
The essential information of the day-to-day investment outlook for PRA includes many different criteria found on its balance sheet. An individual investor should monitor PRA's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in PRA.

Net Income

(79.3 Million)

  

PRA Group Earnings Geography

Please note, the presentation of PRA's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, PRA's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of PRA's management manipulating its earnings.

PRA Stock Summary

PRA competes with Visa, and Mastercard. PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia. Pra operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 3361 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS69354N1063
CUSIP69354N106 73640Q105
LocationVirginia; U.S.A
Business Address120 Corporate Boulevard,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.pragroup.com
Phone888 772 7326
CurrencyUSD - US Dollar

PRA Key Financial Ratios

PRA Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets4.4B4.5B4.4B4.2B4.5B4.8B
Other Current Liab106.2M132.7M124.6M(1.1B)225.0M236.2M
Net Debt2.8B2.6B2.6B2.5B4.3B4.5B
Accounts Payable4.3M5.3M3.8M7.3M6.3M5.0M
Cash119.8M108.6M87.6M83.4M112.5M62.3M
Other Assets89.6M278.3M1.4B3.4B3.7B3.9B
Long Term Debt2.8B2.7B1.4B1.4B1.5B959.3M
Total Liab3.2B3.1B3.0B2.9B3.3B3.5B
Total Current Assets3.7B3.6B3.6B3.4B3.8B4.0B
Other Liab87.9M95.9M96.0M58.2M66.9M100.5M
Retained Earnings1.4B1.5B1.6B1.6B1.5B793.0M
Net Receivables3.5B3.5B3.5B3.3B3.7B2.0B
Other Current Assets(3.7B)(3.7B)(3.6B)(3.4B)(3.8B)(3.6B)
Common Stock454K456K410K390K392K349.8K
Good Will480.8M493.0M480.3M435.9M431.6M290.9M
Short Term Debt1.8B1.6B1.2B1.1B22.5M21.4M
Net Tangible Assets684.1M848.9M806.1M791.7M910.5M644.0M
Long Term Debt Total2.5B2.8B2.7B2.6B3.0B1.8B
Capital Surpluse53.9M60.3M67.3M75.3M67.8M81.3M
Inventory(323K)3.7B3.6B3.4B(21.8M)(20.7M)

PRA Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense144.2M35.5M39.0M51.7M74.8M78.5M
Total Revenue995.3M1.1B1.1B968.8M815.5M589.6M
Gross Profit684.9M628.6M718.1M612.1M504.7M413.5M
Operating Income247.7M349.7M375.0M285.8M100.5M180.7M
Ebit249.6M(323.5M)(318.3M)(341.2M)120.2M63.1M
Ebitda267.0M368.2M390.3M301.0M133.5M190.6M
Cost Of Revenue310.4M436.9M378.7M356.6M310.8M180.3M
Income Before Tax117.4M208.9M250.3M154.8M(82.9M)(78.7M)
Net Income86.2M149.3M183.2M117.1M(83.5M)(79.3M)
Income Tax Expense19.7M41.2M54.8M36.8M(16.1M)(15.3M)
Minority Interest11.5M18.4M(12.4M)(851K)(14.9M)(14.2M)
Non Recurring105.0M134.2M101.6M78.3M70.5M90.1M
Tax Provision19.7M41.2M54.8M36.8M(8.4M)(7.9M)
Interest Income2.2M1.0M1.1M2.2M2.0M1.9M
Net Interest Income(136.3M)(141.7M)(124.1M)(130.7M)(79.1M)(83.1M)

PRA Key Cash Accounts

201920202021202220232024 (projected)
Capital Expenditures18.0M17.2M11.2M13.3M2.9M2.7M
Net Income97.7M167.7M195.5M118.0M(83.5M)(79.3M)
End Period Cash Flow123.8M121.0M89.1M84.8M113.7M65.9M
Change In Cash25.1M(2.8M)(32.0M)(4.3M)28.9M30.4M
Free Cash Flow115.4M124.5M73.7M8.3M(100.4M)(95.4M)
Depreciation17.5M18.5M15.3M15.2M13.4M13.6M
Other Non Cash Items36.4M(32.9M)(160.0M)(123.6M)(16.0M)(15.2M)
Change To Netincome(31.6M)(29.8M)51.5M(119.2M)(107.3M)(101.9M)
Investments(1.2B)(905.4M)160.4M120.5M(254.5M)(267.3M)
Change Receivables(3.5M)(4.3M)6.3M(2.2M)(2.0M)(1.9M)
Net Borrowings326.7M(216.5M)(57.9M)(1.5M)(1.4M)(1.3M)

PRA Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining PRA's current stock value. Our valuation model uses many indicators to compare PRA value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across PRA competition to find correlations between indicators driving PRA's intrinsic value. More Info.
PRA Group is regarded third in return on equity category among its peers. It also is regarded third in return on asset category among its peers reporting about  0.81  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for PRA Group is roughly  1.23 . At present, PRA's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the PRA's earnings, one of the primary drivers of an investment's value.

PRA's Earnings Breakdown by Geography

PRA Group Systematic Risk

PRA's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. PRA volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on PRA Group correlated with the market. If Beta is less than 0 PRA generally moves in the opposite direction as compared to the market. If PRA Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one PRA Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of PRA is generally in the same direction as the market. If Beta > 1 PRA moves generally in the same direction as, but more than the movement of the benchmark.

PRA Thematic Clasifications

PRA Group is part of Macroaxis Picks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Macroaxis daily picks. Daily selected watch list of stocks of large companies handpicked by Macroaxis Team based on their diversification potential
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Today, most investors in PRA Stock are looking for potential investment opportunities by analyzing not only static indicators but also various PRA's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of PRA growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0433

At present, PRA's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

PRA December 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of PRA help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of PRA Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of PRA Group based on widely used predictive technical indicators. In general, we focus on analyzing PRA Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build PRA's daily price indicators and compare them against related drivers.

Complementary Tools for PRA Stock analysis

When running PRA's price analysis, check to measure PRA's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PRA is operating at the current time. Most of PRA's value examination focuses on studying past and present price action to predict the probability of PRA's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PRA's price. Additionally, you may evaluate how the addition of PRA to your portfolios can decrease your overall portfolio volatility.
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