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    P

    PRA Group Inc (PRAA)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $19.95
    +0.14 (+0.71%)

    Market Cap: $745.81M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +40.29%
    Streak
    4 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.80
    Range$0.53 - $1.07
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.59+35.6%
    60d ago$0.59+35.6%
    30d ago$0.59+35.6%
    7d ago$0.59+35.6%
    Current$0.80
    Revenue Consensus
    $307M
    Range$280M - $331M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.57
    Range$1.57 - $1.57
    1 analysts
    Revenue Consensus
    $400M
    Range$346M - $445M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.57---
    Sep 26EST
    		-$0.80---
    Jun 26
    Reported Aug 6
    		$1.51$0.52+190.38%Beat+331.4%
    Mar 26
    Reported May 7
    		$0.73$0.51+43.14%Beat+711.1%
    Dec 25
    Reported Feb 26
    		$1.46$0.50+192.00%Beat+210.6%
    Sep 25
    Reported Nov 3
    		$0.53$0.50+6.00%Beat+8.2%
    Jun 25
    Reported Aug 4
    		$0.35$0.62-43.55%Miss-35.2%
    Mar 25
    Reported May 5
    		$0.09N/A-78.05%Miss+0.0%
    Dec 24
    Reported Feb 19
    		$0.47$0.45+5.22%Beat+313.6%
    Sep 24
    Reported Nov 4
    		$0.49$0.34+44.12%Beat+258.1%
    Jun 24
    Reported Aug 5
    		$0.54$0.05+980.00%Beat+640.0%
    Mar 24
    Reported May 6
    		$0.09$-0.15+160.00%Beat+106.0%
    Dec 23
    Reported Feb 15
    		$-0.22$-0.35+37.14%Beat-153.7%
    Sep 23
    Reported Nov 6
    		$-0.31$-0.38+18.42%Beat-149.2%
    Jun 23
    Reported Aug 7
    		$-0.10$-0.12+16.67%Beat-111.0%
    Mar 23
    Reported May 8
    		$-1.50$0.46-426.09%Miss-254.6%
    Dec 22
    Reported Feb 27
    		$0.41$0.32+28.13%Beat-48.1%
    Sep 22
    Reported Nov 3
    		$0.63$0.46+36.96%Beat-17.1%
    Jun 22
    Reported Aug 8
    		$0.91$0.53+71.70%Beat-25.4%
    Mar 22
    Reported May 9
    		$0.97$0.74+31.08%Beat-23.6%
    Dec 21
    Reported Feb 28
    		$0.79$0.66+19.70%Beat+21.5%
    Sep 21
    Reported Nov 8
    		$0.76$0.81-6.17%Miss-17.4%
    Jun 21
    Reported Aug 5
    		$1.22$0.76+60.53%Beat-3.2%
    Mar 21
    Reported May 6
    		$1.27$0.75+69.33%Beat+202.4%
    Dec 20
    Reported Feb 25
    		$0.65$0.62+4.84%Beat+8.3%
    Sep 20
    Reported Nov 5
    		$0.92$0.65+41.54%Beat+67.3%
    Jun 20
    Reported Aug 6
    		$1.26$0.66+90.91%Beat+207.3%
    Mar 20
    Reported May 7
    		$0.42$0.23+82.61%Beat+23.5%
    Dec 19
    Reported Feb 27
    		$0.60$0.51+17.65%Beat+81.8%
    Sep 19
    Reported Nov 7
    		$0.55$0.46+19.57%Beat+150.0%
    Jun 19
    Reported Aug 8
    		$0.41$0.37+10.81%Beat-4.7%
    Mar 19
    Reported May 9
    		$0.34$0.35-2.86%Miss-27.7%
    Dec 18
    Reported Feb 28
    		$0.33$0.27+22.22%Beat+10.0%
    Sep 18
    Reported Nov 8
    		$0.22$0.37-40.54%Miss-35.3%
    Jun 18
    Reported Aug 7
    		$0.43$0.45-4.44%Miss+43.3%
    Mar 18
    Reported May 9
    		$0.47$0.36+30.56%Beat+4.4%
    Dec 17
    Reported Feb 27
    		$0.30$0.34-11.76%Miss+215.4%
    Sep 17
    Reported Nov 8
    		$0.34$0.27+25.93%Beat-
    Jun 17
    Reported Aug 8
    		$0.30$0.49-38.78%Miss-
    Mar 17
    Reported May 9
    		$0.45$0.43+4.65%Beat-
    Dec 16
    Reported Feb 28
    		$-0.26N/A-138.24%Miss-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%
    No dividend payments in the selected period.

    Key Metrics

    Valuation
    P/E Ratio4.72EV/EBITDAN/A
    Price/FCF-20.08xFCF Yield-4.98%
    Profitability
    Profit Margin-19.90%Operating Margin41.20%
    ROE-20.30%ROIC-9.90%
    Financial Health
    Debt/Equity3.69xInterest Coverage1.48x
    Current Ratio16.04xQuick Ratio16.04x
    Trading Statistics
    Beta1.13Avg Volume466.60K
    52-Week High$22.5552-Week Low$10.25

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$19.92
    SMA 20$20.01
    SMA 50$19.61
    SMA 200$17.45
    EMA 10$19.97
    EMA 20$19.87
    EMA 50$19.43
    EMA 200$17.93

    MACD

    Line: 0.16Signal: 0.17Hist: -0.01

    ADX

    ADX: 12.3+DI: 17.1-DI: 19.4

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down52.0
    PSAR$20.64

    Bollinger Bands

    Upper Band$21.15
    Lower Band$18.87
    %B Position1136%(Upper)
    Band Width0.47

    RSI (14-Day)

    Neutral
    51.9

    Momentum Oscillators

    Stoch %K65.1
    Stoch %D65.7
    Williams %R-39.5
    ROC (10d)5.8%
    Momentum1.09
    CCI (20d)-7.5
    MFI (14d)50.6

    Volatility Measures

    ATR (14d)$0.82(4.1%)
    StdDev (20d)0.57
    Hist Vol33.5%(Moderate)

    Volume Flow

    VWAP$19.94
    OBV7.1M
    AD Line-3.8M
    CMF (20d)0.090

    Volume Metrics

    Avg Vol (20d)452.9K
    Vol Ratio0.5x
    VWMA (20d)$20.05

    Pivot Points

    R3$21.13
    R2$20.80
    R1$20.30
    Pivot Point$19.97
    S1$19.47
    S2$19.14
    S3$18.64

    Advanced Oscillators

    TSI6.21
    Ultimate Osc50.4
    KST15.16

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$372.17M$314.53M$886.50M$311.14M$3.46M$269.62M$546.96M$281.48M$284.23M$1.86M$221.42M$216.43M
    Cost of Revenue$70.38M$70.74M$73.38M$74.24M$75.72M$73.32M$74.96M$76.11M$74.24M$73.60M$71.07M$69.52M
    Gross Profit$301.80M$243.79M$813.12M$236.90M$-72,262,000$196.30M$472.00M$205.37M$209.99M$-71,741,000$150.35M$146.91M
    Operating Expenses$148.51M$140.54M$134.42M$552.45M$126.85M$121.72M$124.14M$115.39M$120.77M$115.59M$104.82M$103.87M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$15.76M$15.56M$15.60M$15.44M$14.46M$12.90M$15.99M$13.97M$14.25M$12.57M$14.04M$12.36M
    Operating Income$153.28M$103.25M$125.59M$-315,547,000$85.11M$74.58M$94.14M$89.98M$89.22M$66.40M$45.53M$43.05M
    Interest Income$-64,363,000$-63,518,000$187.42M$-64,087,000$-23,958,000$-60,970,000$168.69M$-61,062,000$-55,353,000$-52,278,000$130.78M$-49,473,000
    Interest Expense$64.96M$62.72M$63.72M$64.06M$23.98M$61.20M$60.74M$61.73M$55.41M$52.26M$52.20M$49.41M
    Income Before Tax$88.33M$40.54M$61.86M$-379,605,000$61.13M$13.38M$33.40M$28.25M$33.82M$14.14M$-6,676,000$-6,363,000
    Income Tax Expense$29.39M$8.76M$2.65M$24.36M$15.41M$4.31M$10.62M$-672,000$8.70M$2.39M$-816,000$1.79M
    Net Income$58.94M$31.77M$59.22M$-403,966,000$45.71M$9.06M$22.78M$28.92M$25.11M$11.75M$-5,860,000$-8,151,000
    EBITDA$159.47M$107.95M$-423,050,000$-311,103,000$373.78M$80.02M$-154,549,000$95.58M$94.14M$325.07M$49.68M$53.64M
    EBIT$152.69M$104.05M$-426,874,000$-315,518,000$369.31M$74.35M$-159,756,000$89.31M$89.17M$320.15M$44.27M$43.11M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Zacks cuts PRA Group stock rating to Hold with USD 26.00 consensus

    Zacks Research has downgraded PRA Group's stock rating to "Hold" with a consensus target of $26.00. This comes despite strong second-quarter revenue growth of 29.00%, reaching $372.17 million...

    ad-hoc-news.de•10/15/26•Somewhat-Bearish

    PRA Group to Announce Third Quarter 2026 Results on November 5

    PRA Group, Inc. announced it will release its third-quarter 2026 financial results after market close on Thursday, November 5, 2026. This will be followed by a webcast and conference call at 5 p.m. E.T. The company...

    StreetInsider•10/15/26•Neutral

    PRA Group to Announce Third Quarter 2026 Results on November 5

    PRA Group, Inc. (Nasdaq: PRAA) will report its third-quarter 2026 financial results after market close on Thursday, November 5...

    Yahoo Finance•10/15/26•Neutral

    PRA Group Q3 2026 Earnings Date and Estimates

    PRA Group (PRAA) is projected to announce its Q3 2026 earnings on Monday, November 9, 2026, after market close, with a conference call scheduled for November 2...

    MarketBeat•10/13/26•Neutral

    Zacks cuts PRA Group stock rating to Hold by October 8, 2026

    Zacks Research has downgraded PRA Group's stock from "strong-buy" to "hold" as of October 8, 2026. This comes after PRA Group reported a 29.00 percent increase in second-quarter 2026 revenue to USD 372.17 million and net...

    AD HOC NEWS•10/8/26•Somewhat-Bearish

    PRAA Valuation and Fair Value

    P/E
    4.7x
    Forward P/E
    11.6x
    P/FCF
    -20.1x
    PEG
    5.9x
    P/B
    0.7x
    See GNG's fair value

    PRAA Profitability: Margins, ROIC and FCF

    Gross margin
    84.7%
    Operating margin
    41.2%
    Net margin
    -19.9%
    ROIC
    -9.9%
    ROE
    -20.3%
    FCF margin
    -2.0%
    FCF yield
    -5.0%

    PRAA Competitors

    CompanyTicker
    Customers Bancorp, Inc 5.375% SCUBB
    Shore Bancshares IncSHBI
    NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series BNEWTP
    Vinci Partners Investments LtdVINP
    Up Fintech Holding LtdTIGR
    VersaBankVBNK
    Abacus Global Management, Inc.ABX
    MainStay CBRE Global Infrastructure Megatrends FundMEGI

    Sector: Financial Services

    PRAA Analyst Ratings

    Consensus
    Hold
    Analysts
    3
    Strong Buy
    0
    Buy
    1
    Hold
    2
    Sell
    0
    Strong Sell
    0

    PRAA Bull Case vs Bear Case

    Bull case

    • PRAA beat EPS estimates in 75.0% of its last 8 reported quarters.
    • PRAA grew quarterly revenue 29.4% year over year.

    Bear case

    • PRAA has a -19.9% net profit margin.
    • PRAA has a debt-to-equity ratio of 3.7x.

    PRAA Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    44.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.80
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    PRAA Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%

    Frequently Asked Questions About PRAA

    Does PRAA pay dividends?

    PRA Group Inc (PRAA) has a dividend payment track record. See the PRAA dividend history page for its current payment status, TTM yield, and recorded payments.

    What is PRAA's P/E ratio?

    PRA Group Inc has a price-to-earnings (P/E) ratio of 4.72.

    What is PRAA's market cap?

    PRA Group Inc (PRAA) has a market capitalization of $745.81M with a current stock price of $19.95.

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    Sector: Financial Services

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