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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.05
PRAA's Cash to Debt is ranked lower than
63% of the 993 Companies
in the Global Business Services industry.

( Industry Median: 1.05 vs. PRAA: 0.05 )
PRAA' s 10-Year Cash to Debt Range
Min: 0.05   Max: 39.72
Current: 0.05

0.05
39.72
Equity to Asset 0.35
PRAA's Equity to Asset is ranked higher than
52% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 0.46 vs. PRAA: 0.35 )
PRAA' s 10-Year Equity to Asset Range
Min: 0.35   Max: 0.95
Current: 0.35

0.35
0.95
Interest Coverage 20.56
PRAA's Interest Coverage is ranked higher than
61% of the 671 Companies
in the Global Business Services industry.

( Industry Median: 22.17 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: 5
Z-Score: 2.03
M-Score: 125.75
WACC vs ROIC
9.40%
13.11%
WACC
ROIC
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 (%) 38.11
PRAA's Operating margin (%) is ranked higher than
98% of the 989 Companies
in the Global Business Services industry.

( Industry Median: 6.76 vs. PRAA: 38.11 )
PRAA' s 10-Year Operating margin (%) Range
Min: 22.27   Max: 40.57
Current: 38.11

22.27
40.57
Net-margin (%) 21.51
PRAA's Net-margin (%) is ranked higher than
95% of the 989 Companies
in the Global Business Services industry.

( Industry Median: 4.40 vs. PRAA: 21.51 )
PRAA' s 10-Year Net-margin (%) Range
Min: 13.14   Max: 30.56
Current: 21.51

13.14
30.56
ROE (%) 19.44
PRAA's ROE (%) is ranked higher than
87% of the 944 Companies
in the Global Business Services industry.

( Industry Median: 8.78 vs. PRAA: 19.44 )
PRAA' s 10-Year ROE (%) Range
Min: 14.31   Max: 31.5
Current: 19.44

14.31
31.5
ROA (%) 9.48
PRAA's ROA (%) is ranked higher than
87% of the 1001 Companies
in the Global Business Services industry.

( Industry Median: 3.94 vs. PRAA: 9.48 )
PRAA' s 10-Year ROA (%) Range
Min: 6.1   Max: 23.47
Current: 9.48

6.1
23.47
ROC (Joel Greenblatt) (%) 27.47
PRAA's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 992 Companies
in the Global Business Services industry.

( Industry Median: 29.02 vs. PRAA: 27.47 )
PRAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.85   Max: 1105.06
Current: 27.47

14.85
1105.06
Revenue Growth (3Y)(%) 25.20
PRAA's Revenue Growth (3Y)(%) is ranked higher than
94% of the 808 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. PRAA: 25.20 )
PRAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 15.7   Max: 46.7
Current: 25.2

15.7
46.7
EBITDA Growth (3Y)(%) 29.70
PRAA's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 680 Companies
in the Global Business Services industry.

( Industry Median: 5.90 vs. PRAA: 29.70 )
PRAA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 6.4   Max: 75.7
Current: 29.7

6.4
75.7
EPS Growth (3Y)(%) 33.50
PRAA's EPS Growth (3Y)(%) is ranked higher than
89% of the 627 Companies
in the Global Business Services industry.

( Industry Median: 7.30 vs. PRAA: 33.50 )
PRAA' s 10-Year EPS Growth (3Y)(%) 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 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
Q3 2014

PRAA Guru Trades in Q3 2014

Paul Tudor Jones 4,900 sh (New)
RS Investment Management 1,920,103 sh (+3.6%)
First Pacific Advisors Sold Out
Jim Simons 220,400 sh (-13.33%)
» More
Q4 2014

PRAA Guru Trades in Q4 2014

Jim Simons 324,400 sh (+47.19%)
Paul Tudor Jones 6,400 sh (+30.61%)
RS Investment Management 1,542,449 sh (-19.67%)
» 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 $ 50.09-7%0
Joel Greenblatt 2013-12-31 New Buy0.01%$50.78 - $63.374 $ 50.09-12%4432
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about PRA Group 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) 14.40
PRAA's P/E(ttm) is ranked higher than
87% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 33.40 vs. PRAA: 14.40 )
PRAA' s 10-Year P/E(ttm) Range
Min: 7.08   Max: 23.81
Current: 14.4

7.08
23.81
Forward P/E 11.30
PRAA's Forward P/E is ranked higher than
92% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 11.30 )
N/A
PE(NRI) 14.40
PRAA's PE(NRI) is ranked higher than
87% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 32.10 vs. PRAA: 14.40 )
PRAA' s 10-Year PE(NRI) Range
Min: 7.09   Max: 23.69
Current: 14.4

7.09
23.69
P/B 2.61
PRAA's P/B is ranked higher than
69% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 3.41 vs. PRAA: 2.61 )
PRAA' s 10-Year P/B Range
Min: 1.05   Max: 4.2
Current: 2.61

1.05
4.2
P/S 3.10
PRAA's P/S is ranked higher than
58% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 1.78 vs. PRAA: 3.10 )
PRAA' s 10-Year P/S Range
Min: 1.16   Max: 5.77
Current: 3.1

1.16
5.77
PFCF 12.62
PRAA's PFCF is ranked higher than
86% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 47.46 vs. PRAA: 12.62 )
PRAA' s 10-Year PFCF Range
Min: 4.26   Max: 17.42
Current: 12.62

4.26
17.42
POCF 11.36
PRAA's POCF is ranked higher than
78% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 18.67 vs. PRAA: 11.36 )
PRAA' s 10-Year POCF Range
Min: 3.96   Max: 16.3
Current: 11.36

3.96
16.3
EV-to-EBIT 12.44
PRAA's EV-to-EBIT is ranked higher than
82% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 20.71 vs. PRAA: 12.44 )
PRAA' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 15.8
Current: 12.44

6.9
15.8
PEG 0.53
PRAA's PEG is ranked higher than
98% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 0.53 )
PRAA' s 10-Year PEG Range
Min: 0.36   Max: 1.97
Current: 0.53

0.36
1.97
Shiller P/E 22.11
PRAA's Shiller P/E is ranked higher than
87% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 22.11 )
PRAA' s 10-Year Shiller P/E Range
Min: 7.92   Max: 33.95
Current: 22.11

7.92
33.95
Current Ratio 1.12
PRAA's Current Ratio is ranked higher than
53% of the 975 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. PRAA: 1.12 )
PRAA' s 10-Year Current Ratio Range
Min: 1.12   Max: 5.05
Current: 1.12

1.12
5.05
Quick Ratio 1.12
PRAA's Quick Ratio is ranked higher than
58% of the 975 Companies
in the Global Business Services industry.

( Industry Median: 1.31 vs. PRAA: 1.12 )
PRAA' s 10-Year Quick Ratio Range
Min: 1.12   Max: 5.05
Current: 1.12

1.12
5.05
Days Sales Outstanding 870.27
PRAA's Days Sales Outstanding is ranked higher than
52% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 75.74 vs. PRAA: 870.27 )
PRAA' s 10-Year Days Sales Outstanding Range
Min: 1.51   Max: 683.41
Current: 870.27

1.51
683.41

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 7.10
PRAA's Price/Tangible Book is ranked higher than
68% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 13.54 vs. PRAA: 7.10 )
PRAA' s 10-Year Price/Tangible Book Range
Min: 1.61   Max: 7.41
Current: 7.1

1.61
7.41
Price/DCF (Projected) 0.85
PRAA's Price/DCF (Projected) is ranked higher than
90% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 4.12 vs. PRAA: 0.85 )
PRAA' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.2
Current: 0.85

0.38
1.2
Price/Median PS Value 0.88
PRAA's Price/Median PS Value is ranked higher than
86% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 1.25 vs. PRAA: 0.88 )
PRAA' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 1.76
Current: 0.88

0.44
1.76
Price/Peter Lynch Fair Value 0.58
PRAA's Price/Peter Lynch Fair Value is ranked higher than
98% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 0.58 )
PRAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 1.82
Current: 0.58

0.49
1.82
Price/Graham Number 2.13
PRAA's Price/Graham Number is ranked higher than
80% of the 1144 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 2.13 )
PRAA' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 2.22
Current: 2.13

0.82
2.22
Earnings Yield (Greenblatt) 8.00
PRAA's Earnings Yield (Greenblatt) is ranked higher than
80% of the 988 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. PRAA: 8.00 )
PRAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 14.5
Current: 8

6.3
14.5
Forward Rate of Return (Yacktman) 35.42
PRAA's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 594 Companies
in the Global Business Services industry.

( Industry Median: 11.42 vs. PRAA: 35.42 )
PRAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.1   Max: 38.8
Current: 35.42

17.1
38.8

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:POV1.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 and its subsidiaries are a financial and business service company, operating mainly in the United States and the United Kingdom. The Company's main business is the purchase, collection and management of portfolios of defaulted consumer receivables. The Company also services receivables on behalf of clients on either a commission or transaction-fee basis and provides class action claims settlement recovery services and related payment processing to corporate clients. 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 competes with other purchasers of defaulted consumer receivables portfolios, third-party contingent fee collection agencies and debt owners that manage their own defaulted consumer receivables rather than outsourcing them. It also competes with new and existing providers of outsourced receivables management services. The Company is subject to the CFPB's supervisory and enforcement authority. The businesses conducted by its operating subsidiaries are subject to licensing and regulation by governmental and regulatory bodies in the many jurisdictions in which it operate and conduct its business. Its operations outside the United States are subject to the United States Foreign Corrupt Practices Act.
» More Articles for PRAA

Headlines

Articles On GuruFocus.com
PRAA - Attractive Selection on the Undervalued Predictable Companies Screen Feb 12 2015 
PRAA – Undervalued Predictable Companies Feb 13 2015 
Four 'Boring' Stocks to Consider Sep 30 2014 
PRAA: Still a Place for Debt Recovery Jul 06 2014 
comment on PRAA May 26 2013 
comment on PRAA Mar 03 2013 
comment on PRAA Nov 07 2012 
comment on PRAA Oct 03 2011 
Portfolio Recovery Associates (PRAA) CFO Buys 2,000 Shares Aug 10 2011 
Portfolio Recovery Associates Inc. (PRAA) President, CEO, Chairman Steven D Fredrickson sells 3,464 Mar 01 2011 


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Can PRA Group (PRAA) Beat Earnings Estimates This Time? - Analyst Blog Feb 26 2015
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American Red Cross Receives $50,000 Donation From PRA Group to Support Disaster Relief Jan 06 2015
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Portfolio Recovery Beats Q3 Earnings on Improved Top Line Nov 11 2014
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PRA GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Nov 10 2014
PRA GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers Nov 04 2014
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PORTFOLIO RECOVERY ASSOCIATES INC Files SEC form 10-Q, Quarterly Report Aug 06 2014
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