23 years of historical data (2002–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
PRA Group, Inc. trades at 8.8x earnings, 26% below its 5-year average of 11.9x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 36%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $616M | $826M | $1.0B | $1.3B | $2.3B | $1.8B | $1.7B | $1.1B | $1.5B | $1.8B | $1.7B |
| Enterprise Value | $3.9B | $4.1B | $5.3B | $4.9B | $6.0B | $6.0B | $4.4B | $3.5B | $3.6B | $3.5B | $3.3B |
| P/E Ratio → | 8.80 | 11.67 | — | 11.49 | 12.43 | 12.17 | 19.21 | 16.92 | 9.38 | 21.37 | 10.00 |
| P/S Ratio | 0.55 | 0.74 | 1.26 | 1.39 | 2.08 | 1.71 | 1.66 | 1.26 | 1.85 | 2.18 | 1.78 |
| P/B Ratio | 0.52 | 0.69 | 0.83 | 1.05 | 1.72 | 1.32 | 1.35 | 0.98 | 1.33 | 1.98 | 2.00 |
| P/FCF | — | — | — | 161.54 | 30.88 | 14.61 | 14.34 | 18.34 | — | 9.46 | 8.91 |
| P/OCF | — | — | — | 62.40 | 26.80 | 12.84 | 12.40 | 13.69 | 98.31 | 8.81 | 8.27 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
PRA Group, Inc.'s enterprise value stands at 11.0x EBITDA, 47% below its 5-year average of 20.8x. This is roughly in line with the Financial Services sector median of 11.1x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.63 | 6.52 | 5.05 | 5.50 | 5.64 | 4.44 | 3.97 | 4.34 | 4.21 | 3.53 |
| EV / EBITDA | 11.05 | 11.65 | 44.63 | 16.21 | 15.44 | 16.31 | 16.66 | 17.02 | 15.29 | 14.35 | 10.07 |
| EV / EBIT | 11.40 | 20.59 | — | 31.45 | 24.02 | 28.88 | 16.89 | 16.29 | 19.33 | 16.51 | 10.49 |
| EV / FCF | — | — | — | 584.89 | 81.75 | 48.25 | 38.29 | 57.70 | — | 18.27 | 17.63 |
Margins and return-on-capital ratios measuring operating efficiency
PRA Group, Inc. earns an operating margin of 30.2%, above the Financial Services sector average of 21.9%. ROE of 5.8% is modest, trailing the sector median of 9.1%. ROIC of 5.0% represents below-average returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 61.0% | 51.0% | 56.9% | 61.1% | 59.0% | 68.8% | 63.6% | 58.1% | 68.9% | 71.5% |
| Operating Margin | 30.2% | 30.2% | 12.3% | 29.6% | 34.2% | 32.8% | 24.9% | 21.1% | 26.0% | 26.4% | 32.9% |
| Net Profit Margin | 6.3% | 6.3% | -10.2% | 12.1% | 16.7% | 14.0% | 8.7% | 7.5% | 20.0% | 10.4% | 17.8% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.8% | 5.8% | -6.6% | 9.0% | 13.6% | 11.5% | 7.3% | 5.8% | 16.0% | 9.8% | 19.3% |
| ROA | 1.5% | 1.5% | -1.9% | 2.7% | 4.2% | 3.4% | 2.1% | 1.7% | 4.8% | 2.8% | 5.8% |
| ROIC | 5.0% | 5.0% | 1.4% | 4.3% | 5.2% | 5.4% | 4.8% | 4.0% | 5.3% | 6.3% | 9.4% |
| ROCE | 7.7% | 7.7% | 2.5% | 7.1% | 9.1% | 10.6% | 9.9% | 6.1% | 6.6% | 7.6% | 11.3% |
Solvency and debt-coverage ratios — lower is generally safer
PRA Group, Inc. carries a Debt/EBITDA ratio of 9.6x, which is highly leveraged (134% above the sector average of 4.1x). Net debt stands at $3.3B ($3.4B total debt minus $106M cash). Interest coverage of 3.8x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.82 | 2.82 | 3.55 | 2.81 | 2.90 | 3.13 | 2.35 | 2.20 | 1.90 | 1.95 | 2.04 |
| Debt / EBITDA | 9.59 | 9.59 | 36.96 | 12.01 | 9.83 | 11.67 | 10.87 | 12.09 | 9.29 | 7.31 | 5.20 |
| Net Debt / Equity | — | 2.73 | 3.46 | 2.74 | 2.83 | 3.05 | 2.25 | 2.11 | 1.80 | 1.84 | 1.96 |
| Net Debt / EBITDA | 9.29 | 9.29 | 36.02 | 11.73 | 9.61 | 11.37 | 10.42 | 11.61 | 8.78 | 6.92 | 4.98 |
| Debt / FCF | — | — | — | 423.34 | 50.87 | 33.64 | 23.94 | 39.36 | — | 8.81 | 8.73 |
| Interest Coverage | 3.83 | 3.83 | 1.34 | 5.53 | 9.62 | 9.85 | 1.72 | 1.49 | 8.74 | 2.87 | 5.21 |
Short-term solvency ratios and asset-utilisation metrics
PRA Group, Inc.'s current ratio of 12.97x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 13.51x to 12.97x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 12.97 | 12.97 | 14.19 | 13.51 | 12.91 | 13.75 | 1.84 | 2.42 | 14.65 | 13.32 | 13.74 |
| Quick Ratio | 12.97 | 12.97 | 14.19 | 13.51 | 12.91 | 13.75 | 1.84 | 2.42 | 14.65 | 13.32 | 13.74 |
| Cash Ratio | 0.32 | 0.32 | 0.41 | 0.32 | 0.32 | 0.41 | 0.06 | 0.07 | 0.60 | 0.51 | 0.43 |
| Asset Turnover | — | 0.23 | 0.18 | 0.23 | 0.25 | 0.24 | 0.22 | 0.22 | 0.22 | 0.26 | 0.31 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
PRA Group, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 11.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.4% | 8.6% | — | 8.7% | 8.0% | 8.2% | 5.2% | 5.9% | 10.7% | 4.7% | 10.0% |
| FCF Yield | — | — | — | 0.6% | 3.2% | 6.8% | 7.0% | 5.5% | — | 10.6% | 11.2% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 8.3% | 8.8% | 0.0% | 0.0% | 0.0% | 3.0% | 0.0% | 9.9% |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 8.3% | 8.8% | 0.0% | 0.0% | 0.0% | 3.0% | 0.0% | 9.9% |
| Shares Outstanding | — | $40M | $39M | $40M | $45M | $46M | $46M | $45M | $46M | $46M | $48M |
Compare PRAA with 4 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| PRAAYou | $616M | 8.8 | 11.0 | — | 61.0% | 30.2% | 5.8% | 5.0% | 9.6 |
| FCFS | $8B | 26.0 | 8.7 | — | 100.0% | 15.4% | 15.3% | 12.7% | 0.3 |
| EZPW | $2B | 18.7 | 10.6 | 14.8 | 58.5% | 11.7% | 12.0% | 7.1% | 4.2 |
| JCAP | $1B | 11.4 | 10.4 | 7.4 | 71.2% | 50.8% | 32.0% | 12.6% | 5.3 |
| LMFA | $6M | -0.1 | 7.7 | — | 36.4% | -58.7% | -20.8% | -12.3% | 5.9 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 23 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how PRAA stacks up against sector leader FirstCash Holdings, Inc.
Start ComparisonPRA Group, Inc.'s current P/E ratio is 8.8x. The historical average is 15.5x.
PRA Group, Inc.'s current EV/EBITDA is 11.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.5x.
PRA Group, Inc.'s return on equity (ROE) is 5.8%. The historical average is 14.9%.
Based on historical data, PRA Group, Inc. is trading at a P/E of 8.8x. Compare with industry peers and growth rates for a complete picture.
PRA Group, Inc. has 61.0% gross margin and 30.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
PRA Group, Inc.'s Debt/EBITDA ratio is 9.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.