PRA Group, Inc. (PRAA) Financial Ratios
24 years of historical data (2002–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
1.73
↓-90% vs avg
5yr avg: 17.87
30Y Low1.4·High44.6
P/FCF
↑
N/A
—
5yr avg: 96.21
30Y Low6.8·High161.5
P/B Ratio
↓
0.80
↓-19% vs avg
5yr avg: 0.99
30Y Low0.7·High4.3
ROE
↓
-27.3%
↑-2348% vs avg
5yr avg: -1.1%
30Y Low-27%·High22%
Debt/EBITDA
↓
0.07
↓-99% vs avg
5yr avg: 13.69
30Y Low0.0·High37.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PRAA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
PRA Group, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $819M | $693M | $826M | $1.0B | $1.3B | $2.3B | $1.8B | $1.7B | $1.1B | $1.5B | $1.8B |
| Enterprise Value | $746M | $621M | $4.1B | $5.3B | $4.9B | $6.0B | $6.0B | $4.4B | $3.5B | $3.6B | $3.5B |
| P/E Ratio → | -2.73 | — | 11.67 | — | 11.49 | 12.43 | 12.17 | 19.21 | 16.92 | 9.38 | 21.37 |
| P/S Ratio | 0.66 | 0.56 | 0.74 | 1.26 | 1.39 | 2.08 | 1.71 | 1.66 | 1.26 | 1.85 | 2.18 |
| P/B Ratio | 0.80 | 0.67 | 0.69 | 0.83 | 1.05 | 1.72 | 1.32 | 1.35 | 0.98 | 1.33 | 1.98 |
| P/FCF | — | — | — | — | 161.54 | 30.88 | 14.61 | 14.34 | 18.34 | — | 9.46 |
| P/OCF | — | — | — | — | 62.40 | 26.80 | 12.84 | 12.40 | 13.69 | 98.31 | 8.81 |
P/E links to full P/E history page with 30-year chart
PRAA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
PRA Group, Inc.'s enterprise value stands at 1.7x EBITDA, 90% below its 5-year average of 17.9x. The Financial Services sector median is 11.5x, placing the stock at a 85% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.50 | 3.63 | 6.52 | 5.05 | 5.50 | 5.64 | 4.44 | 3.97 | 4.34 | 4.21 |
| EV / EBITDA | 1.73 | 1.44 | 11.65 | 44.63 | 16.21 | 15.44 | 16.31 | 16.66 | 17.02 | 15.29 | 14.35 |
| EV / EBIT | 1.77 | 72.61 | 20.59 | — | 31.45 | 24.02 | 28.88 | 16.89 | 16.29 | 19.33 | 16.51 |
| EV / FCF | — | — | — | — | 584.89 | 81.75 | 48.25 | 38.29 | 57.70 | — | 18.27 |
PRAA Profitability
Margins and return-on-capital ratios measuring operating efficiency
PRA Group, Inc. earns an operating margin of 33.9%, above the Financial Services sector average of 21.4%. Operating margins have expanded from 12.3% to 33.9% over the past 3 years, signaling improving operational efficiency. A negative ROE of -27.3% indicates the company is currently destroying shareholder equity. ROIC of 11.2% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.2% | 99.2% | 61.0% | 51.0% | 56.9% | 61.1% | 59.0% | 68.8% | 63.6% | 58.1% | 68.9% |
| Operating Margin | 33.9% | 33.9% | 30.2% | 12.3% | 29.6% | 34.2% | 32.8% | 24.9% | 21.1% | 26.0% | 26.4% |
| Net Profit Margin | -24.6% | -24.6% | 6.3% | -10.2% | 12.1% | 16.7% | 14.0% | 8.7% | 7.5% | 20.0% | 10.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -27.3% | -27.3% | 5.8% | -6.6% | 9.0% | 13.6% | 11.5% | 7.3% | 5.8% | 16.0% | 9.8% |
| ROA | -6.1% | -6.1% | 1.5% | -1.9% | 2.7% | 4.2% | 3.4% | 2.1% | 1.7% | 4.8% | 2.8% |
| ROIC | 11.2% | 11.2% | 5.0% | 1.4% | 4.3% | 5.2% | 5.4% | 4.8% | 4.0% | 5.3% | 6.3% |
| ROCE | 8.7% | 8.7% | 7.7% | 2.5% | 7.1% | 9.1% | 10.6% | 9.9% | 6.1% | 6.6% | 7.6% |
PRAA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
PRA Group, Inc. carries a Debt/EBITDA ratio of 0.1x, which is very conservative (98% below the sector average of 4.1x). The company holds a net cash position — cash of $104M exceeds total debt of $32M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.03 | 0.03 | 2.82 | 3.55 | 2.81 | 2.90 | 3.13 | 2.35 | 2.20 | 1.90 | 1.95 |
| Debt / EBITDA | 0.07 | 0.07 | 9.59 | 36.96 | 12.01 | 9.83 | 11.67 | 10.87 | 12.09 | 9.29 | 7.31 |
| Net Debt / Equity | — | -0.07 | 2.73 | 3.46 | 2.74 | 2.83 | 3.05 | 2.25 | 2.11 | 1.80 | 1.84 |
| Net Debt / EBITDA | -0.17 | -0.17 | 9.29 | 36.02 | 11.73 | 9.61 | 11.37 | 10.42 | 11.61 | 8.78 | 6.92 |
| Debt / FCF | — | — | — | — | 423.34 | 50.87 | 33.64 | 23.94 | 39.36 | — | 8.81 |
| Interest Coverage | 0.03 | 0.03 | 2.24 | -0.11 | 3.00 | 6.44 | 5.86 | 1.81 | 1.72 | 7.55 | 2.77 |
Net cash position: cash ($104M) exceeds total debt ($32M)
PRAA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.68x means PRA Group, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 14.19x to 1.68x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.68 | 1.68 | 12.97 | 14.19 | 13.51 | 12.91 | 13.75 | 1.84 | 2.42 | 14.65 | 13.32 |
| Quick Ratio | 1.68 | 1.68 | 12.97 | 14.19 | 13.51 | 12.91 | 13.75 | 1.84 | 2.42 | 14.65 | 13.32 |
| Cash Ratio | 1.68 | 1.68 | 0.32 | 0.41 | 0.32 | 0.32 | 0.41 | 0.06 | 0.07 | 0.60 | 0.51 |
| Asset Turnover | — | 0.24 | 0.23 | 0.18 | 0.23 | 0.25 | 0.24 | 0.22 | 0.22 | 0.22 | 0.26 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PRAA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
PRA Group, Inc. returns 2.4% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.6% | — | 8.7% | 8.0% | 8.2% | 5.2% | 5.9% | 10.7% | 4.7% |
| FCF Yield | — | — | — | — | 0.6% | 3.2% | 6.8% | 7.0% | 5.5% | — | 10.6% |
| Buyback Yield | 2.4% | 2.9% | 0.0% | 0.0% | 8.3% | 8.8% | 0.0% | 0.0% | 0.0% | 3.0% | 0.0% |
| Total Shareholder Yield | 2.4% | 2.9% | 0.0% | 0.0% | 8.3% | 8.8% | 0.0% | 0.0% | 0.0% | 3.0% | 0.0% |
| Shares Outstanding | — | $39M | $40M | $39M | $40M | $45M | $46M | $46M | $45M | $46M | $46M |
Peer Comparison
Compare PRAA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PRAAYou | $819M | -2.7 | 1.7 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 ECPG | $2B | 7.7 | 2.6 | 14.4 | 69.0% | 35.4% | 29.5% | 17.3% | — |
 FCFS | $10B | 30.5 | 12.8 | 21.3 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $821M | -10.8 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 CACC | $6B | 14.4 | 10.1 | 5.3 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 WRLD | $751M | 9.1 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 EFX | $21B | 32.6 | 14.2 | 18.4 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 TRU | $14B | 30.5 | 12.5 | 20.6 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
 FICO | $25B | 40.2 | 29.5 | 32.1 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonPRAA — Frequently Asked Questions
Quick answers to the most common questions about buying PRAA stock.
What is PRA Group, Inc.'s P/E ratio?
PRA Group, Inc.'s current P/E ratio is -2.7x. The historical average is 15.5x.
What is PRA Group, Inc.'s EV/EBITDA?
PRA Group, Inc.'s current EV/EBITDA is 1.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.0x.
What is PRA Group, Inc.'s ROE?
PRA Group, Inc.'s return on equity (ROE) is -27.3%. The historical average is 13.2%.
Is PRAA stock overvalued?
Based on historical data, PRA Group, Inc. is trading at a P/E of -2.7x. Compare with industry peers and growth rates for a complete picture.
What are PRA Group, Inc.'s profit margins?
PRA Group, Inc. has 99.2% gross margin and 33.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does PRA Group, Inc. have?
PRA Group, Inc.'s Debt/EBITDA ratio is 0.1x, indicating low leverage. A ratio below 2x is generally considered financially healthy.