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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.43
PRAA's Cash to Debt is ranked higher than
54% of the 994 Companies
in the Global Business Services industry.

( Industry Median: 1.83 vs. PRAA: 0.43 )
PRAA' s 10-Year Cash to Debt Range
Min: 0.05   Max: 39.72
Current: 0.43

0.05
39.72
Equity to Asset 0.55
PRAA's Equity to Asset is ranked higher than
72% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 0.47 vs. PRAA: 0.55 )
PRAA' s 10-Year Equity to Asset Range
Min: 0.42   Max: 0.95
Current: 0.55

0.42
0.95
Interest Coverage 20.56
PRAA's Interest Coverage is ranked higher than
64% of the 687 Companies
in the Global Business Services industry.

( Industry Median: 20.23 vs. PRAA: 20.56 )
PRAA' s 10-Year Interest Coverage Range
Min: 7.61   Max: 9999.99
Current: 20.56

7.61
9999.99
F-Score: 7
Z-Score: 4.56
M-Score: -2.51
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 40.47
PRAA's Operating margin (%) is ranked higher than
98% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 7.02 vs. PRAA: 40.47 )
PRAA' s 10-Year Operating margin (%) Range
Min: 22.27   Max: 40.57
Current: 40.47

22.27
40.57
Net-margin (%) 23.85
PRAA's Net-margin (%) is ranked higher than
96% of the 978 Companies
in the Global Business Services industry.

( Industry Median: 4.38 vs. PRAA: 23.85 )
PRAA' s 10-Year Net-margin (%) Range
Min: 13.14   Max: 30.56
Current: 23.85

13.14
30.56
ROE (%) 20.16
PRAA's ROE (%) is ranked higher than
89% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 9.89 vs. PRAA: 20.16 )
PRAA' s 10-Year ROE (%) Range
Min: 11.19   Max: 21.17
Current: 20.16

11.19
21.17
ROA (%) 10.95
PRAA's ROA (%) is ranked higher than
91% of the 993 Companies
in the Global Business Services industry.

( Industry Median: 4.08 vs. PRAA: 10.95 )
PRAA' s 10-Year ROA (%) Range
Min: 5.38   Max: 19.33
Current: 10.95

5.38
19.33
ROC (Joel Greenblatt) (%) 29.66
PRAA's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 988 Companies
in the Global Business Services industry.

( Industry Median: 33.75 vs. PRAA: 29.66 )
PRAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.63   Max: 829.39
Current: 29.66

13.63
829.39
Revenue Growth (%) 25.20
PRAA's Revenue Growth (%) is ranked higher than
95% of the 845 Companies
in the Global Business Services industry.

( Industry Median: 5.40 vs. PRAA: 25.20 )
PRAA' s 10-Year Revenue Growth (%) Range
Min: 15.7   Max: 46.7
Current: 25.2

15.7
46.7
EBITDA Growth (%) 29.70
PRAA's EBITDA Growth (%) is ranked higher than
92% of the 689 Companies
in the Global Business Services industry.

( Industry Median: 6.80 vs. PRAA: 29.70 )
PRAA' s 10-Year EBITDA Growth (%) Range
Min: 6.4   Max: 80.1
Current: 29.7

6.4
80.1
EPS Growth (%) 33.50
PRAA's EPS Growth (%) is ranked higher than
91% of the 639 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. PRAA: 33.50 )
PRAA' s 10-Year EPS Growth (%) Range
Min: 1.4   Max: 84.6
Current: 33.5

1.4
84.6
» PRAA's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

PRAA Guru Trades in Q3 2013

Paul Tudor Jones 8,500 sh (New)
Jim Simons 77,700 sh (+793.1%)
RS Investment Management 1,171,187 sh (+30.87%)
Jeremy Grantham 7,600 sh (-27.62%)
Steven Cohen 3,822 sh (-76.19%)
» More
Q4 2013

PRAA Guru Trades in Q4 2013

Joel Greenblatt 4,432 sh (New)
Steven Cohen 16,566 sh (+333.44%)
Jim Simons 254,700 sh (+227.8%)
Paul Tudor Jones 15,600 sh (+83.53%)
RS Investment Management 1,381,177 sh (+17.93%)
Jeremy Grantham Sold Out
» More
Q1 2014

PRAA Guru Trades in Q1 2014

First Pacific Advisors 200 sh (New)
Jim Simons 331,000 sh (+29.96%)
RS Investment Management 1,391,807 sh (+0.77%)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Steven Cohen Sold Out
» More
Q2 2014

PRAA Guru Trades in Q2 2014

RS Investment Management 1,853,313 sh (+33.16%)
First Pacific Advisors 200 sh (unchged)
Jim Simons 254,300 sh (-23.17%)
» More
» Details

Insider Trades

Latest Guru Trades with PRAA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 Sold Out 0.01%$48.01 - $59.4 $ 57.788%0
Joel Greenblatt 2013-12-31 New Buy0.01%$50.78 - $63.374 $ 57.782%4432
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Portfolio Recovery Associates Inc

PRAA: Still a Place for Debt Recovery
As the American economy recovers, we might ask if there will be enough defaulted loans for the debt recovery business to maintain its momentum, and in particular, for Portfolio Recovery Associates Inc. (PRAA) to continue growing. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 16.50
PRAA's P/E(ttm) is ranked higher than
79% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 26.20 vs. PRAA: 16.50 )
PRAA' s 10-Year P/E(ttm) Range
Min: 7.08   Max: 23.81
Current: 16.5

7.08
23.81
P/B 3.17
PRAA's P/B is ranked higher than
58% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 3.13 vs. PRAA: 3.17 )
PRAA' s 10-Year P/B Range
Min: 1.05   Max: 4.2
Current: 3.17

1.05
4.2
P/S 3.77
PRAA's P/S is ranked lower than
68% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 1.51 vs. PRAA: 3.77 )
PRAA' s 10-Year P/S Range
Min: 1.16   Max: 5.88
Current: 3.77

1.16
5.88
PFCF 14.93
PRAA's PFCF is ranked higher than
83% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 36.60 vs. PRAA: 14.93 )
PRAA' s 10-Year PFCF Range
Min: 4.26   Max: 17.42
Current: 14.93

4.26
17.42
EV-to-EBIT 10.13
PRAA's EV-to-EBIT is ranked higher than
86% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 18.92 vs. PRAA: 10.13 )
PRAA' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 15.8
Current: 10.13

6.9
15.8
PEG 0.52
PRAA's PEG is ranked higher than
98% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PRAA: 0.52 )
PRAA' s 10-Year PEG Range
Min: 0.36   Max: 1.97
Current: 0.52

0.36
1.97
Shiller P/E 28.21
PRAA's Shiller P/E is ranked higher than
81% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PRAA: 28.21 )
PRAA' s 10-Year Shiller P/E Range
Min: 8.02   Max: 33.95
Current: 28.21

8.02
33.95
Current Ratio 1.99
PRAA's Current Ratio is ranked higher than
78% of the 572 Companies
in the Global Business Services industry.

( Industry Median: 1.48 vs. PRAA: 1.99 )
PRAA' s 10-Year Current Ratio Range
Min: 1.54   Max: 5.05
Current: 1.99

1.54
5.05
Quick Ratio 1.99
PRAA's Quick Ratio is ranked higher than
80% of the 572 Companies
in the Global Business Services industry.

( Industry Median: 1.31 vs. PRAA: 1.99 )
PRAA' s 10-Year Quick Ratio Range
Min: 1.54   Max: 5.05
Current: 1.99

1.54
5.05

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 7.05
PRAA's Price/Net Current Asset Value is ranked higher than
93% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PRAA: 7.05 )
PRAA' s 10-Year Price/Net Current Asset Value Range
Min: 4.18   Max: 687
Current: 7.05

4.18
687
Price/Tangible Book 3.64
PRAA's Price/Tangible Book is ranked higher than
71% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 11.70 vs. PRAA: 3.64 )
PRAA' s 10-Year Price/Tangible Book Range
Min: 1.61   Max: 4.58
Current: 3.64

1.61
4.58
Price/DCF (Projected) 1.06
PRAA's Price/DCF (Projected) is ranked higher than
88% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 8.10 vs. PRAA: 1.06 )
PRAA' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.2
Current: 1.06

0.38
1.2
Price/Median PS Value 1.08
PRAA's Price/Median PS Value is ranked higher than
76% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. PRAA: 1.08 )
PRAA' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 1.73
Current: 1.08

0.43
1.73
Price/Peter Lynch Fair Value 0.66
PRAA's Price/Peter Lynch Fair Value is ranked higher than
98% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. PRAA: 0.66 )
PRAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 1.82
Current: 0.66

0.49
1.82
Price/Graham Number 1.62
PRAA's Price/Graham Number is ranked higher than
78% of the 1093 Companies
in the Global Business Services industry.

( Industry Median: 11.40 vs. PRAA: 1.62 )
PRAA' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 2.17
Current: 1.62

0.82
2.17
Earnings Yield (Greenblatt) 9.90
PRAA's Earnings Yield (Greenblatt) is ranked higher than
80% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 6.70 vs. PRAA: 9.90 )
PRAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 14.5
Current: 9.9

6.3
14.5
Forward Rate of Return (Yacktman) 34.08
PRAA's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 746 Companies
in the Global Business Services industry.

( Industry Median: 6.59 vs. PRAA: 34.08 )
PRAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.3   Max: 37.2
Current: 34.08

16.3
37.2

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:POV.Germany
Portfolio Recovery Associates, Inc.was initially formed as Portfolio Recovery Associates, L.L.C., a Delaware limited liability company, on March 20, 1996. The Company is a financial and business service company. Its business focuses upon the detection, collection, and processing of both unpaid and normal-course accounts receivable originally owed to credit grantors, governments, retailers and others. Its main business is the purchase, collection and management of portfolios of defaulted consumer receivables. These are the unpaid obligations of individuals to credit originators, which include banks, credit unions, consumer and auto finance companies and retail merchants. It also provide fee-based services, including vehicle location, skip tracing and collateral recovery services for auto lenders, governments and law enforcement via PRA Location Services, LLC, revenue administration, audit and debt discovery/recovery services for local government entities through PRA Government Services, LLC and MuniServices, LLC and class action claims recovery services and related payment processing via Claims Compensation Bureau, LLC. The Company's debt purchase business specializes in receivables that have been charged-off by the credit originator. The Company offers debt owners the ability to immediately realize value for their charged-off receivables throughout the post charge-off collection cycle, from receivables that have only been processed internally by the debt owner to receivables that have been subject to multiple internal and external collection efforts, whether or not subject to bankruptcy proceedings.

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