Financial Services
Live Price
Offline$14.94
-0.40% today
1Y Change
+5.08%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 247 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
PRA Group, Inc. (PRAA) is a Financial Services stock with a market cap of $870.00M and listed on NASDAQ. The stock last traded around $14.94 and up 5.1% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +10.4%, EPS growth of -535.2%, a dividend yield of 0.0%. What stands out right now is revenue +10.4%, EPS -535.2%, free cash flow +8.4% with operating margin 33.9% and ROIC 181.0%. Valuation is more restrained than many high-expectation growth names at price/sales 0.7. Overall, the current profile looks closer to a quality compounder than a generic broad-market placeholder. Stock Foundry combines PRAA price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PRAA
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PRAA Max Drawdown
-42.34%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PRAA and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.1B
+13.4% YoY
FY Net Income
$183.2M
+56.3% YoY
Free Cash Flow
$73.7M
+783.7% YoY
Revenue Growth
+10.4%
EPS Growth
-535.2%
Gross Margin
99.2%
Net Margin
-24.6%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.2B | 1.1B | 815M | 967M | 1.1B |
| Gross Profit | 1.2B | 686M | 416M | 550M | 670M |
| Operating Income | 421M | 340M | 100M | 286M | 375M |
| EBITDA | 19M | 209M | 10M | 170M | 266M |
| Net Income | -305M | 71M | -83M | 117M | 183M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 104M | 106M | 113M | 83M | 88M |
| Total Assets | 5.1B | 4.9B | 4.5B | 4.2B | 4.4B |
| Total Liabilities | 4.1B | 3.7B | 3.3B | 2.9B | 3.0B |
| Shareholder Equity | 980M | 1.1B | 1.2B | 1.2B | 1.3B |
| Total Debt | 32M | 3.4B | 4.4B | 3.6B | 3.8B |
| Net Debt | -72M | 3.3B | 4.3B | 3.5B | 3.8B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
85M
+293.3% YoY
Capital Expenditures
11M
+15.4% YoY
Free Cash Flow
74M
+783.7% YoY
Key ratios
Gross Margin
99.2%
Operating Margin
33.9%
Net Margin
-24.6%
ROE
-27.3%
Debt / Equity
0.03x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.