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PRA Group, Inc. (PRAA) Total Return Calculator with Dividends Reinvested

PRA Group, Inc.

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The total return for PRA Group, Inc. (PRAA) stock is +11.35% over the past 12 months. So far it's up 22.31% this year. The 5-year total return is -45.56%, meaning $10,000 invested in PRAA stock 5 years ago would be worth $5,444 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PRAA 1 year ago, it would be worth $15,755 today — you'd have gained $5,755.

With Dividends Reinvested$15,755+57.55%

Price Only (No DRIP)$15,755+57.55%

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in PRAA

1Y$11,135+$1,135 (+11.4%)11.4% CAGR

3Y$6,161-$3,839 (-38.4%)-14.9% CAGR

5Y$5,444-$4,556 (-45.6%)-11.4% CAGR

10Y$6,942-$3,058 (-30.6%)-3.6% CAGR

15Y$7,696-$2,304 (-23.0%)-1.7% CAGR

20Y$12,902+$2,902 (+29.0%)1.3% CAGR

30Y$42,940+$32,940 (+329.4%)5.0% CAGR

PRA Group, Inc. did not pay dividends during this period. Total return = price return.

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As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+22.31%	—	+22.31%	—	$12,231
1Y	+11.35%	11.35%	+11.35%	—	$11,135
3Y	-38.39%	-14.91%	-38.39%	—	$6,161
5Y	-45.56%	-11.45%	-45.56%	—	$5,444
10Y	-30.58%	-3.58%	-30.58%	—	$6,942
15Y	-23.04%	-1.73%	-23.04%	—	$7,696
20Y	+29.02%	1.28%	+27.04%	+1.98 pp	$12,902
30Y	+329.40%	4.98%	+322.81%	+6.59 pp	$42,940

Risk & Highlights

Best Year+61.62%2010

Worst Year-39.29%2015

Max Drawdown-46.01%2025-05-05 → 2026-02-23 · Recovered 2026-04-09

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-9.90%	-9.90%	—	+0.41%	-10.3pp
2025	-14.08%	-14.08%	—	+16.64%	-30.7pp
2024	-18.68%	-18.68%	—	+24.00%	-42.7pp
2023	-24.23%	-24.23%	—	+24.81%	-49.0pp
2022	-32.29%	-32.29%	—	-19.95%	-12.3pp

PRAA underperformed the S&P 500 by 17.09pp over the past year (+11.35% vs +28.44%).

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PRAA Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PRAAPRA Group, Inc.	$834M	+18.5%	+22.3%	+11.4%	—	-38.4%	-45.6%	-30.6%
ECPGEncore Capital Group, Inc.	$1.8B	+16.4%	+51.0%	+137.8%	—	+73.8%	+105.2%	+218.0%
FCFSFirstCash Holdings, Inc	$9.9B	+18.0%	+43.6%	+67.0%	+1.2pp	+118.7%	+224.9%	+412.4%
SLMSLM Corporation	$4.5B	+1.7%	-17.3%	-26.7%	+1.7pp	+67.7%	+22.6%	+281.8%
NAVINavient Corporation	$819M	+4.3%	-30.6%	-26.8%	+5.0pp	-29.3%	-29.4%	+15.4%
OMFOneMain Holdings, Inc.	$6.4B	+0.1%	-18.8%	+21.1%	+8.5pp	+85.7%	+40.1%	+189.8%
CACCCredit Acceptance Corporation	$5.5B	+19.2%	+15.8%	+6.0%	—	+16.7%	+25.7%	+187.5%
WRLDWorld Acceptance Corporation	$711M	-1.6%	-0.5%	+5.4%	—	+29.1%	+6.1%	+254.6%
EFXEquifax Inc.	$20.5B	-6.6%	-20.3%	-34.4%	+0.8pp	-12.4%	-25.7%	+54.9%
TRUTransUnion	$13.2B	-1.1%	-18.0%	-18.8%	+0.6pp	+7.5%	-34.0%	+135.6%
FICOFair Isaac Corporation	$24.7B	-2.6%	-35.1%	-48.7%	—	+45.7%	+114.8%	+904.8%

Compare:PRAA vs ECPG PRAA vs FCFS PRAA vs SLM PRAA vs ECPG vs FCFS

About PRAA Dividend Returns

PRA Group, Inc. (PRAA) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PRAA over the past year?

PRA Group, Inc. (PRAA) delivered a return of 11.35% over the past year. Since PRAA does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in PRAA be worth today?

A $10,000 investment in PRA Group, Inc. one year ago would be worth $11,135 today, representing a gain of $1,135.

Q3Does PRAA pay dividends?

PRA Group, Inc. (PRAA) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For PRAA, the total return equals the price-only return.

Q4Did PRAA beat the S&P 500?

No, PRA Group, Inc. (PRAA) underperformed the S&P 500 by 17.09 percentage points over the past year. PRAA delivered a total return of 11.35%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed PRAA by 17.09pp during this period.

Q5What is PRAA's worst drawdown?

PRA Group, Inc. (PRAA) experienced a maximum drawdown of -46.01% over the past year, declining from its peak on 2025-05-05 to its trough on 2026-02-23. The stock recovered to its prior peak by 2026-04-09. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PRAA's long-term total return over 10, 20, or 30 years?

Here are PRA Group, Inc. (PRAA)'s long-term returns with dividends reinvested. Over 10 years, the total return is -30.6% (-3.6% CAGR) — $10,000 would have grown to $6,942. Over 20 years: 29.0% total return (1.3% CAGR) — $10,000 → $12,902. Over 30 years: 329.4% total return (5.0% CAGR) — $10,000 → $42,940. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PRAA's best and worst year?

PRA Group, Inc.'s best calendar year was 2010 with a total return of 61.6%. Its worst year was 2015 with a total return of -39.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 100.9 percentage points.