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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
94% of the 735 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. PRAA: 0.05 )
PRAA' s 10-Year Cash to Debt Range
Min: 0.03   Max: 39.72
Current: 0.05

0.03
39.72
Equity to Asset 0.30
PRAA's Equity to Asset is ranked lower than
76% of the 685 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. PRAA: 0.30 )
PRAA' s 10-Year Equity to Asset Range
Min: 0.3   Max: 0.95
Current: 0.3

0.3
0.95
Interest Coverage 9.71
PRAA's Interest Coverage is ranked lower than
72% of the 492 Companies
in the Global Business Services industry.

( Industry Median: 40.47 vs. PRAA: 9.71 )
PRAA' s 10-Year Interest Coverage Range
Min: 7.61   Max: 9999.99
Current: 9.71

7.61
9999.99
F-Score: 6
Z-Score: 2.94
M-Score: 124.91
WACC vs ROIC
6.80%
8.56%
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 (%) 39.33
PRAA's Operating margin (%) is ranked higher than
97% of the 729 Companies
in the Global Business Services industry.

( Industry Median: 5.49 vs. PRAA: 39.33 )
PRAA' s 10-Year Operating margin (%) Range
Min: 22.27   Max: 40.57
Current: 39.33

22.27
40.57
Net-margin (%) 20.79
PRAA's Net-margin (%) is ranked higher than
92% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 3.65 vs. PRAA: 20.79 )
PRAA' s 10-Year Net-margin (%) Range
Min: 13.14   Max: 30.56
Current: 20.79

13.14
30.56
ROE (%) 21.33
PRAA's ROE (%) is ranked higher than
82% of the 699 Companies
in the Global Business Services industry.

( Industry Median: 8.24 vs. PRAA: 21.33 )
PRAA' s 10-Year ROE (%) Range
Min: 14.31   Max: 31.5
Current: 21.33

14.31
31.5
ROA (%) 8.37
PRAA's ROA (%) is ranked higher than
77% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 3.55 vs. PRAA: 8.37 )
PRAA' s 10-Year ROA (%) Range
Min: 6.1   Max: 23.47
Current: 8.37

6.1
23.47
ROC (Joel Greenblatt) (%) 17.07
PRAA's ROC (Joel Greenblatt) (%) is ranked lower than
54% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 21.43 vs. PRAA: 17.07 )
PRAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.85   Max: 1105.06
Current: 17.07

14.85
1105.06
Revenue Growth (3Y)(%) 25.30
PRAA's Revenue Growth (3Y)(%) is ranked higher than
90% of the 549 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. PRAA: 25.30 )
PRAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 15.7   Max: 46.7
Current: 25.3

15.7
46.7
EBITDA Growth (3Y)(%) 24.00
PRAA's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 455 Companies
in the Global Business Services industry.

( Industry Median: 6.40 vs. PRAA: 24.00 )
PRAA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 6.4   Max: 75.7
Current: 24

6.4
75.7
EPS Growth (3Y)(%) 21.50
PRAA's EPS Growth (3Y)(%) is ranked higher than
71% of the 416 Companies
in the Global Business Services industry.

( Industry Median: 8.90 vs. PRAA: 21.50 )
PRAA' s 10-Year EPS Growth (3Y)(%) Range
Min: 1.4   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

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 (+3.60%)
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
» 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 )

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) 14.80
PRAA's P/E(ttm) is ranked higher than
68% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 19.50 vs. PRAA: 14.80 )
PRAA' s 10-Year P/E(ttm) Range
Min: 7.08   Max: 23.81
Current: 14.8

7.08
23.81
Forward P/E 10.18
PRAA's Forward P/E is ranked higher than
76% of the 273 Companies
in the Global Business Services industry.

( Industry Median: 14.86 vs. PRAA: 10.18 )
N/A
PE(NRI) 14.90
PRAA's PE(NRI) is ranked higher than
70% of the 516 Companies
in the Global Business Services industry.

( Industry Median: 21.30 vs. PRAA: 14.90 )
PRAA' s 10-Year PE(NRI) Range
Min: 7.09   Max: 23.69
Current: 14.9

7.09
23.69
P/B 3.50
PRAA's P/B is ranked lower than
76% of the 682 Companies
in the Global Business Services industry.

( Industry Median: 1.97 vs. PRAA: 3.50 )
PRAA' s 10-Year P/B Range
Min: 1.05   Max: 4.2
Current: 3.5

1.05
4.2
P/S 3.10
PRAA's P/S is ranked lower than
90% of the 711 Companies
in the Global Business Services industry.

( Industry Median: 1.00 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 11.20
PRAA's PFCF is ranked higher than
66% of the 435 Companies
in the Global Business Services industry.

( Industry Median: 15.00 vs. PRAA: 11.20 )
PRAA' s 10-Year PFCF Range
Min: 4.26   Max: 17.42
Current: 11.2

4.26
17.42
POCF 10.46
PRAA's POCF is ranked higher than
56% of the 527 Companies
in the Global Business Services industry.

( Industry Median: 12.10 vs. PRAA: 10.46 )
PRAA' s 10-Year POCF Range
Min: 3.96   Max: 16.3
Current: 10.46

3.96
16.3
EV-to-EBIT 15.32
PRAA's EV-to-EBIT is ranked higher than
52% of the 562 Companies
in the Global Business Services industry.

( Industry Median: 15.75 vs. PRAA: 15.32 )
PRAA' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 19.2
Current: 15.32

6.9
19.2
PEG 0.51
PRAA's PEG is ranked higher than
91% of the 233 Companies
in the Global Business Services industry.

( Industry Median: 2.29 vs. PRAA: 0.51 )
PRAA' s 10-Year PEG Range
Min: 0.36   Max: 1.97
Current: 0.51

0.36
1.97
Shiller P/E 22.70
PRAA's Shiller P/E is ranked lower than
56% of the 336 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. PRAA: 22.70 )
PRAA' s 10-Year Shiller P/E Range
Min: 8.02   Max: 33.77
Current: 22.7

8.02
33.77
Current Ratio 5.29
PRAA's Current Ratio is ranked higher than
92% of the 697 Companies
in the Global Business Services industry.

( Industry Median: 1.52 vs. PRAA: 5.29 )
PRAA' s 10-Year Current Ratio Range
Min: 1.54   Max: 5.84
Current: 5.29

1.54
5.84
Quick Ratio 5.29
PRAA's Quick Ratio is ranked higher than
93% of the 697 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. PRAA: 5.29 )
PRAA' s 10-Year Quick Ratio Range
Min: 1.54   Max: 5.84
Current: 5.29

1.54
5.84
Days Sales Outstanding 771.93
PRAA's Days Sales Outstanding is ranked lower than
100% of the 609 Companies
in the Global Business Services industry.

( Industry Median: 56.36 vs. PRAA: 771.93 )
PRAA' s 10-Year Days Sales Outstanding Range
Min: 1.51   Max: 834.74
Current: 771.93

1.51
834.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 9.10
PRAA's Price/Tangible Book is ranked lower than
88% of the 546 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. PRAA: 9.10 )
PRAA' s 10-Year Price/Tangible Book Range
Min: 1.61   Max: 7.41
Current: 9.1

1.61
7.41
Price/DCF (Projected) 0.90
PRAA's Price/DCF (Projected) is ranked higher than
64% of the 376 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. PRAA: 0.90 )
PRAA' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.2
Current: 0.9

0.38
1.2
Price/Median PS Value 0.90
PRAA's Price/Median PS Value is ranked higher than
73% of the 668 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. PRAA: 0.90 )
PRAA' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 1.79
Current: 0.9

0.44
1.79
Price/Peter Lynch Fair Value 0.60
PRAA's Price/Peter Lynch Fair Value is ranked higher than
86% of the 177 Companies
in the Global Business Services industry.

( Industry Median: 1.30 vs. PRAA: 0.60 )
PRAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 1.82
Current: 0.6

0.49
1.82
Price/Graham Number 2.40
PRAA's Price/Graham Number is ranked lower than
69% of the 416 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. PRAA: 2.40 )
PRAA' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 2.41
Current: 2.4

0.82
2.41
Earnings Yield (Greenblatt) 6.60
PRAA's Earnings Yield (Greenblatt) is ranked higher than
62% of the 719 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. PRAA: 6.60 )
PRAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.2   Max: 14.5
Current: 6.6

5.2
14.5
Forward Rate of Return (Yacktman) 33.12
PRAA's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 357 Companies
in the Global Business Services industry.

( Industry Median: 12.27 vs. PRAA: 33.12 )
PRAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.1   Max: 38.8
Current: 33.12

17.1
38.8

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 

More From Other Websites
PRA GROUP INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal Year May 22 2015
George Keels Joins PRA Government Services Team May 20 2015
PRA Group Expands in German Insolvency Market May 18 2015
PRA Group Expands in German Insolvency Market May 18 2015
PRA GROUP INC Financials May 15 2015
3 Reasons Growth Stock Investors Will Love PRA Group (PRAA) - Tale of the Tape May 14 2015
PRA GROUP INC Files SEC form 8-K, Other Events May 12 2015
PRA Group Welcomes Neil Chakravarty as New Senior Vice President, Internal Audit May 11 2015
Portfolio Recovery Assoc. downgraded by Macquarie May 11 2015
10-Q for Portfolio Recovery Associates, Inc. May 10 2015
PRA GROUP INC Files SEC form 10-Q, Quarterly Report May 08 2015
PRA Group Outshines Q1 Earnings on Core Portfolio Growth - Analyst Blog May 07 2015
Portfolio Recovery Associates posts 1Q profit May 06 2015
Portfolio Recovery Associates posts 1Q profit May 06 2015
PRA Group Reports First Quarter 2015 Results May 06 2015
PRA Group Inc Earnings Call scheduled for 5:00 pm ET today May 06 2015
PRA GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition May 06 2015
PRA Group Reports First Quarter 2015 Results May 06 2015
Q1 2015 PRA Group Inc Earnings Release - After Market Close May 06 2015
PRA Group to Announce First Quarter 2015 Results on May 6 Apr 30 2015

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