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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 0.36
PRAA's Cash to Debt is ranked lower than
52% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 1.72 vs. PRAA: 0.36 )
PRAA' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.36

Equity to Asset 0.54
PRAA's Equity to Asset is ranked higher than
67% of the 937 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PRAA: 0.54 )
PRAA' s 10-Year Equity to Asset Range
Min: 0.42   Max: 0.94
Current: 0.54

0.42
0.94
Interest Coverage 20.56
PRAA's Interest Coverage is ranked higher than
62% of the 675 Companies
in the Global Business Services industry.

( Industry Median: 21.89 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: 4.86
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 : 10/10

vs
industry
vs
history
Operating margin (%) 40.47
PRAA's Operating margin (%) is ranked higher than
98% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 7.12 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
95% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 4.59 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
88% of the 919 Companies
in the Global Business Services industry.

( Industry Median: 10.28 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
90% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 4.48 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
68% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 33.29 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
94% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 6.20 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
91% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 8.30 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
90% of the 579 Companies
in the Global Business Services industry.

( Industry Median: 7.80 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

Q1 2013

PRAA Guru Trades in Q1 2013

Jeremy Grantham 2,719 sh (New)
Jim Simons Sold Out
Steven Cohen Sold Out
RS Investment Management 262,479 sh (-9.85%)
» More
Q2 2013

PRAA Guru Trades in Q2 2013

Jim Simons 2,900 sh (New)
Steven Cohen 5,350 sh (New)
Jeremy Grantham 3,500 sh (+28.72%)
RS Investment Management 298,316 sh (+13.65%)
» More
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
» Details

Insider Trades

Latest Guru Trades with PRAA

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 New Buy0.01%$50.78 - $63.374 $ 58.653%4432
George Soros 2011-03-31 Sold Out $23.28 - $28.81 $ 58.65124%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.00
PRAA's P/E(ttm) is ranked higher than
71% of the 766 Companies
in the Global Business Services industry.

( Industry Median: 20.70 vs. PRAA: 17.00 )
PRAA' s 10-Year P/E(ttm) Range
Min: 7.08   Max: 27.3
Current: 17

7.08
27.3
P/B 3.30
PRAA's P/B is ranked higher than
50% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. PRAA: 3.30 )
PRAA' s 10-Year P/B Range
Min: 1.05   Max: 4.58
Current: 3.3

1.05
4.58
P/S 4.06
PRAA's P/S is ranked lower than
78% of the 948 Companies
in the Global Business Services industry.

( Industry Median: 1.32 vs. PRAA: 4.06 )
PRAA' s 10-Year P/S Range
Min: 1.16   Max: 6.46
Current: 4.06

1.16
6.46
PFCF 14.30
PRAA's PFCF is ranked higher than
72% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 17.63 vs. PRAA: 14.30 )
PRAA' s 10-Year PFCF Range
Min: 4.26   Max: 17.42
Current: 14.3

4.26
17.42
EV-to-EBIT 10.80
PRAA's EV-to-EBIT is ranked higher than
79% of the 843 Companies
in the Global Business Services industry.

( Industry Median: 15.40 vs. PRAA: 10.80 )
PRAA' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 17.9
Current: 10.8

6.9
17.9
PEG 0.50
PRAA's PEG is ranked higher than
91% of the 457 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. PRAA: 0.50 )
PRAA' s 10-Year PEG Range
Min: 0.36   Max: 1.97
Current: 0.5

0.36
1.97
Shiller P/E 29.90
PRAA's Shiller P/E is ranked higher than
51% of the 469 Companies
in the Global Business Services industry.

( Industry Median: 24.20 vs. PRAA: 29.90 )
PRAA' s 10-Year Shiller P/E Range
Min: 8.02   Max: 33.95
Current: 29.9

8.02
33.95

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 7.90
PRAA's Price/Net Current Asset Value is ranked higher than
57% of the 222 Companies
in the Global Business Services industry.

( Industry Median: 8.90 vs. PRAA: 7.90 )
PRAA' s 10-Year Price/Net Current Asset Value Range
Min: 4.59   Max: 687
Current: 7.9

4.59
687
Price/Tangible Book 3.90
PRAA's Price/Tangible Book is ranked higher than
51% of the 678 Companies
in the Global Business Services industry.

( Industry Median: 3.60 vs. PRAA: 3.90 )
PRAA' s 10-Year Price/Tangible Book Range
Min: 2.13   Max: 4.58
Current: 3.9

2.13
4.58
Price/DCF (Projected) 1.10
PRAA's Price/DCF (Projected) is ranked higher than
71% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. PRAA: 1.10 )
PRAA' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1.01
Current: 1.1

0.49
1.01
Price/Median PS Value 1.10
PRAA's Price/Median PS Value is ranked higher than
54% of the 897 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. PRAA: 1.10 )
PRAA' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 1.62
Current: 1.1

0.55
1.62
Price/Peter Lynch Fair Value 0.70
PRAA's Price/Peter Lynch Fair Value is ranked higher than
83% of the 230 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. PRAA: 0.70 )
PRAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 1.57
Current: 0.7

0.53
1.57
Price/Graham Number 1.70
PRAA's Price/Graham Number is ranked higher than
57% of the 567 Companies
in the Global Business Services industry.

( Industry Median: 1.80 vs. PRAA: 1.70 )
PRAA' s 10-Year Price/Graham Number Range
Min: 1.04   Max: 2.17
Current: 1.7

1.04
2.17
Earnings Yield (Greenblatt) 9.30
PRAA's Earnings Yield (Greenblatt) is ranked higher than
79% of the 848 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. PRAA: 9.30 )
PRAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 14.5
Current: 9.3

5.6
14.5
Forward Rate of Return (Yacktman) 33.25
PRAA's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. PRAA: 33.25 )
PRAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.3   Max: 37.2
Current: 33.25

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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