# PRA Group Inc. (PRAA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $19.02, market value $716 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). PRA Group Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.5×**. Each dollar of revenue is priced at 0.5×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -5.3%** (5-yr avg -6.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Operating margin: 5.0%**. 5.0% of revenue is left after running the business.
- **Net margin: -25.4%**. The company reported a net loss over the last twelve months.
- **Return on equity: -31.1%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 1.2%**. Return on all capital, debt included, is 1.2%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -5.2%**. Each dollar of assets produces -5.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.8%** (3-yr 7.5%/yr, 5-yr 161.9%/yr). Revenue grew 7.8% over the last year, against 161.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -535.2%**. Earnings per share fell 535.2%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $104 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. PRA Group Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 12.1%** (YTD 7.5%, 3-mo 18.8%). The shares are up 12.1% over twelve months including dividends.
- **From 52-week high: -15.7%** (85.6% above the low). Trading 16% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.92** (volatility 60%). Beta of 0.92 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PRAA · Page: https://foliofundamentals.com/stocks/praa

Not investment advice.