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PRA GROUP INC (PRAA) Stock Forecast 2025 - AI Price Prediction & Analysis

PRA GROUP INC (PRAA) AI Stock Price Forecast & Investment Analysis

PRA GROUP INC Stock Price Chart and Technical Analysis

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PRA GROUP INC (PRAA) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

PRA GROUP INC (Stock Symbol: PRAA) is a leading company in the Finance sector , specifically operating within the Short-Term Business Credit Institutions industry. The organization employs approximately 4500 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $1132 million generating a 4.2% net profit margin .

Market Capitalization: $706 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 12.3% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for PRA GROUP INC stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

PRA GROUP INC strategically competes in the highly dynamic Short-Term Business Credit Institutions marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $29 million annually , complemented by impressive 6.2% year-over-year cash flow growth The company maintains a healthy 100.0% gross margin, indicating strong pricing power and operational efficiency.

PRA GROUP INC (PRAA) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for PRA GROUP INC stock analysis.

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Deep dive into PRA GROUP INC's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if PRA GROUP INC stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For PRA GROUP INC: With a P/E ratio of 7.70, the market sees the stock as potentially undervalued.

P/E Ratio 7.70x
P/B Ratio 0.53x
Market Cap $706M
EPS $2.32
Book Value/Share $32.37
Revenue/Share $27.41
FCF/Share $3.88
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently PRA GROUP INC converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For PRA GROUP INC: An ROE of 12.3% shows good shareholder value creation.

ROE 12.3%
ROA 3.9%
ROIC 6.5%
Gross Margin 100.0%
Operating Margin 27.9%
Net Margin 4.2%
EBT Margin 20.1%
Tax Rate 20.0%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess PRA GROUP INC's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For PRA GROUP INC: A current ratio of 2.59 indicates strong liquidity.

Current Ratio 2.59x
Quick Ratio 2.59x
D/E Ratio 1.15x
Financial Leverage 3.26x
Interest Coverage 2.8x
Working Capital $1828M
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal PRA GROUP INC's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For PRA GROUP INC: Free cash flow of $29M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $42M
Free Cash Flow $29M
Capital Spending $-13M
OCF Growth YoY 6.2%
FCF Growth YoY 7.9%
FCF/Sales 2.8%
CapEx/Sales 1.2%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively PRA GROUP INC uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For PRA GROUP INC: An asset turnover of 0.25x suggests room for improvement in asset utilization.

Asset Turnover 0.25x
Receivables Turnover 0.3x
Fixed Assets Turnover 9.6x
Days Sales Outstanding 1165 days
Payables Period 7 days
Understanding Financial Statement Data

What these metrics mean: Key figures from PRA GROUP INC's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For PRA GROUP INC: With annual revenue of $1132M, PRA GROUP INC operates at significant scale.

Income Statement ($ Millions)
Total Revenue $1132M
R&D Expense $1M
SG&A Expense $15M
Cost of Goods Sold $-257M
Balance Sheet Highlights ($ Millions)
Total Current Assets $81M
Cash & Short-term Investments $2M
Total Liabilities $69M
Short-term Debt $26M
Accounts Receivable $79M
Dividend & Shareholder Information
Shares Outstanding 41M
Growth Metrics (YoY)
EPS Growth 4.7%

Latest PRA GROUP INC Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting PRA GROUP INC (PRAA) stock price and investment outlook.

, source: Benzinga.com

In the current market session, PRA Group Inc. PRAA price is at $15.66, after a 0.19% increase. However, over the past month, the stock fell by 3.57%, and in the past year, by 30.00%. Shareholders ...

, source: Nasdaq

(RTTNews) - PRA Group Inc. (PRAA) revealed earnings for its second quarter that Increases, from the same period last year The company's earnings came in at $42.37 million, or $1.08 per share. This ...

, source: Yahoo Finance

PRA Group, Inc. PRAA is strategically positioned to grow in collecting debts. It expanded its services beyond debt collection, working for the government and giving audit services. Although PRAA ...

PRA GROUP INC Competitors & Peer Analysis - Finance Sector

Comparative analysis of PRA GROUP INC against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ECPG Unlock Forecast $910M -7.8x 1.2x
JCAP Unlock Forecast $1112M -7.0x 2.7x
MCVT Unlock Forecast $M x x
OCTO Unlock Forecast $4M 0.2x 0.5x
OMCC Unlock Forecast $41M -1.6x 0.8x
PLBC Unlock Forecast $261M 9.0x 1.4x
PRAA Unlock Forecast $706M 7.7x 0.5x
PWCO Unlock Forecast $1M x 158.0x

Frequently Asked Questions - PRA GROUP INC Stock Forecast

How accurate are PRA GROUP INC stock predictions?

Our AI model demonstrates 40% historical accuracy for PRAA predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence PRA GROUP INC stock price forecasts?

Our analysis considers PRA GROUP INC's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is PRA GROUP INC a good investment in 2025?

Based on our AI analysis, PRA GROUP INC shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are PRA GROUP INC forecasts updated?

PRA GROUP INC stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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