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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 0.10
PRAA's Cash to Debt is ranked lower than
90% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 1.74 vs. PRAA: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
PRAA' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.14 Max: 39.72
Current: 0.1
0.05
39.72
Equity to Asset 0.32
PRAA's Equity to Asset is ranked lower than
74% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PRAA: 0.32 )
Ranked among companies with meaningful Equity to Asset only.
PRAA' s 10-Year Equity to Asset Range
Min: 0.3  Med: 0.54 Max: 0.95
Current: 0.32
0.3
0.95
Interest Coverage 9.71
PRAA's Interest Coverage is ranked lower than
71% of the 495 Companies
in the Global Business Services industry.

( Industry Median: 42.21 vs. PRAA: 9.71 )
Ranked among companies with meaningful Interest Coverage only.
PRAA' s 10-Year Interest Coverage Range
Min: 7.61  Med: 21.24 Max: 9999.99
Current: 9.71
7.61
9999.99
F-Score: 7
Z-Score: 2.98
M-Score: 116.59
WACC vs ROIC
5.10%
11.52%
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 (%) 39.41
PRAA's Operating margin (%) is ranked higher than
96% of the 737 Companies
in the Global Business Services industry.

( Industry Median: 5.30 vs. PRAA: 39.41 )
Ranked among companies with meaningful Operating margin (%) only.
PRAA' s 10-Year Operating margin (%) Range
Min: 22.27  Med: 37.54 Max: 40.57
Current: 39.41
22.27
40.57
Net-margin (%) 21.37
PRAA's Net-margin (%) is ranked higher than
92% of the 739 Companies
in the Global Business Services industry.

( Industry Median: 3.77 vs. PRAA: 21.37 )
Ranked among companies with meaningful Net-margin (%) only.
PRAA' s 10-Year Net-margin (%) Range
Min: 13.14  Med: 21.85 Max: 30.56
Current: 21.37
13.14
30.56
ROE (%) 22.93
PRAA's ROE (%) is ranked higher than
85% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 8.38 vs. PRAA: 22.93 )
Ranked among companies with meaningful ROE (%) only.
PRAA' s 10-Year ROE (%) Range
Min: 14.31  Med: 20.05 Max: 31.5
Current: 22.93
14.31
31.5
ROA (%) 8.17
PRAA's ROA (%) is ranked higher than
76% of the 751 Companies
in the Global Business Services industry.

( Industry Median: 3.56 vs. PRAA: 8.17 )
Ranked among companies with meaningful ROA (%) only.
PRAA' s 10-Year ROA (%) Range
Min: 6.1  Med: 11.46 Max: 23.47
Current: 8.17
6.1
23.47
ROC (Joel Greenblatt) (%) 25.74
PRAA's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 23.67 vs. PRAA: 25.74 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PRAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.85  Med: 31.56 Max: 1106.22
Current: 25.74
14.85
1106.22
Revenue Growth (3Y)(%) 25.30
PRAA's Revenue Growth (3Y)(%) is ranked higher than
91% of the 569 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. PRAA: 25.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PRAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 15.7  Med: 25.15 Max: 46.7
Current: 25.3
15.7
46.7
EBITDA Growth (3Y)(%) 24.00
PRAA's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 464 Companies
in the Global Business Services industry.

( Industry Median: 5.60 vs. PRAA: 24.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PRAA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 6.4  Med: 26.20 Max: 75.7
Current: 24
6.4
75.7
EPS Growth (3Y)(%) 21.50
PRAA's EPS Growth (3Y)(%) is ranked higher than
74% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 6.30 vs. PRAA: 21.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PRAA' s 10-Year EPS Growth (3Y)(%) Range
Min: 1.4  Med: 23.45 Max: 84.6
Current: 21.5
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 2014

PRAA Guru Trades in Q3 2014

Paul Tudor Jones 4,900 sh (New)
RS Investment Management 1,920,103 sh (+3.60%)
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
Q1 2015

PRAA Guru Trades in Q1 2015

Joel Greenblatt 4,840 sh (New)
Jim Simons 467,000 sh (+43.96%)
Paul Tudor Jones 7,977 sh (+24.64%)
RS Investment Management 1,380,751 sh (-10.48%)
» More
Q2 2015

PRAA Guru Trades in Q2 2015

RS Investment Management 1,697,768 sh (+22.96%)
RS Investment Management 1,697,768 sh (+22.96%)
Paul Tudor Jones Sold Out
Joel Greenblatt 4,275 sh (-11.67%)
Jim Simons 116,854 sh (-74.98%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.73
PRAA's P/E(ttm) is ranked higher than
74% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 20.00 vs. PRAA: 12.73 )
Ranked among companies with meaningful P/E(ttm) only.
PRAA' s 10-Year P/E(ttm) Range
Min: 7.08  Med: 16.36 Max: 23.81
Current: 12.73
7.08
23.81
Forward P/E 10.03
PRAA's Forward P/E is ranked higher than
78% of the 259 Companies
in the Global Business Services industry.

( Industry Median: 14.93 vs. PRAA: 10.03 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.30
PRAA's PE(NRI) is ranked higher than
72% of the 523 Companies
in the Global Business Services industry.

( Industry Median: 19.60 vs. PRAA: 13.30 )
Ranked among companies with meaningful PE(NRI) only.
PRAA' s 10-Year PE(NRI) Range
Min: 7.09  Med: 16.37 Max: 23.69
Current: 13.3
7.09
23.69
P/B 2.87
PRAA's P/B is ranked lower than
63% of the 679 Companies
in the Global Business Services industry.

( Industry Median: 2.08 vs. PRAA: 2.87 )
Ranked among companies with meaningful P/B only.
PRAA' s 10-Year P/B Range
Min: 1.05  Med: 2.80 Max: 4.21
Current: 2.87
1.05
4.21
P/S 2.72
PRAA's P/S is ranked lower than
73% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. PRAA: 2.72 )
Ranked among companies with meaningful P/S only.
PRAA' s 10-Year P/S Range
Min: 1.16  Med: 3.37 Max: 5.77
Current: 2.72
1.16
5.77
PFCF 11.40
PRAA's PFCF is ranked higher than
69% of the 398 Companies
in the Global Business Services industry.

( Industry Median: 16.74 vs. PRAA: 11.40 )
Ranked among companies with meaningful PFCF only.
PRAA' s 10-Year PFCF Range
Min: 4.26  Med: 11.46 Max: 17.42
Current: 11.4
4.26
17.42
POCF 10.62
PRAA's POCF is ranked higher than
57% of the 502 Companies
in the Global Business Services industry.

( Industry Median: 12.53 vs. PRAA: 10.62 )
Ranked among companies with meaningful POCF only.
PRAA' s 10-Year POCF Range
Min: 3.96  Med: 10.58 Max: 16.3
Current: 10.62
3.96
16.3
EV-to-EBIT 10.00
PRAA's EV-to-EBIT is ranked higher than
68% of the 544 Companies
in the Global Business Services industry.

( Industry Median: 14.14 vs. PRAA: 10.00 )
Ranked among companies with meaningful EV-to-EBIT only.
PRAA' s 10-Year EV-to-EBIT Range
Min: 6.9  Med: 10.70 Max: 15.8
Current: 10
6.9
15.8
PEG 0.46
PRAA's PEG is ranked higher than
91% of the 233 Companies
in the Global Business Services industry.

( Industry Median: 2.07 vs. PRAA: 0.46 )
Ranked among companies with meaningful PEG only.
PRAA' s 10-Year PEG Range
Min: 0.36  Med: 0.66 Max: 1.97
Current: 0.46
0.36
1.97
Shiller P/E 19.93
PRAA's Shiller P/E is ranked higher than
56% of the 351 Companies
in the Global Business Services industry.

( Industry Median: 22.48 vs. PRAA: 19.93 )
Ranked among companies with meaningful Shiller P/E only.
PRAA' s 10-Year Shiller P/E Range
Min: 8.02  Med: 22.52 Max: 33.95
Current: 19.93
8.02
33.95
Current Ratio 6.34
PRAA's Current Ratio is ranked higher than
94% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.55 vs. PRAA: 6.34 )
Ranked among companies with meaningful Current Ratio only.
PRAA' s 10-Year Current Ratio Range
Min: 1.54  Med: 1.98 Max: 6.34
Current: 6.34
1.54
6.34
Quick Ratio 6.34
PRAA's Quick Ratio is ranked higher than
95% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.42 vs. PRAA: 6.34 )
Ranked among companies with meaningful Quick Ratio only.
PRAA' s 10-Year Quick Ratio Range
Min: 1.54  Med: 1.98 Max: 6.34
Current: 6.34
1.54
6.34
Days Sales Outstanding 763.18
PRAA's Days Sales Outstanding is ranked lower than
100% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 57.63 vs. PRAA: 763.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
PRAA' s 10-Year Days Sales Outstanding Range
Min: 1.51  Med: 10.12 Max: 834.74
Current: 763.18
1.51
834.74

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 8.83
PRAA's Price/Net Current Asset Value is ranked lower than
67% of the 335 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. PRAA: 8.83 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
PRAA' s 10-Year Price/Net Current Asset Value Range
Min: 1.8  Med: 3.37 Max: 12.09
Current: 8.83
1.8
12.09
Price/Tangible Book 6.69
PRAA's Price/Tangible Book is ranked lower than
75% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 2.72 vs. PRAA: 6.69 )
Ranked among companies with meaningful Price/Tangible Book only.
PRAA' s 10-Year Price/Tangible Book Range
Min: 1.61  Med: 3.33 Max: 8.45
Current: 6.69
1.61
8.45
Price/Projected FCF 0.81
PRAA's Price/Projected FCF is ranked higher than
69% of the 387 Companies
in the Global Business Services industry.

( Industry Median: 1.30 vs. PRAA: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
PRAA' s 10-Year Price/Projected FCF Range
Min: 0.38  Med: 0.83 Max: 1.2
Current: 0.81
0.38
1.2
Price/DCF (Earnings Based) 0.48
PRAA's Price/DCF (Earnings Based) is ranked higher than
95% of the 58 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. PRAA: 0.48 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.81
PRAA's Price/Median PS Value is ranked higher than
76% of the 661 Companies
in the Global Business Services industry.

( Industry Median: 1.08 vs. PRAA: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
PRAA' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.03 Max: 1.83
Current: 0.81
0.46
1.83
Price/Peter Lynch Fair Value 0.51
PRAA's Price/Peter Lynch Fair Value is ranked higher than
89% of the 177 Companies
in the Global Business Services industry.

( Industry Median: 1.37 vs. PRAA: 0.51 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PRAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49  Med: 0.70 Max: 1.82
Current: 0.51
0.49
1.82
Price/Graham Number 1.92
PRAA's Price/Graham Number is ranked lower than
62% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 1.62 vs. PRAA: 1.92 )
Ranked among companies with meaningful Price/Graham Number only.
PRAA' s 10-Year Price/Graham Number Range
Min: 0.82  Med: 1.59 Max: 2.39
Current: 1.92
0.82
2.39
Earnings Yield (Greenblatt) (%) 9.99
PRAA's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. PRAA: 9.99 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PRAA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.3  Med: 9.40 Max: 14.5
Current: 9.99
6.3
14.5
Forward Rate of Return (Yacktman) (%) 32.73
PRAA's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 372 Companies
in the Global Business Services industry.

( Industry Median: 11.56 vs. PRAA: 32.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PRAA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 17.1  Med: 29.35 Max: 38.8
Current: 32.73
17.1
38.8

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 1,012 1,153
EPS($) 4.73 5.32
EPS without NRI($) 4.73 5.32

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:POV1.Germany,
PRA Group 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.
» 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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