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Also traded in: Germany

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 : 4/10

vs
industry
vs
history
Cash to Debt 0.09
PRAA's Cash to Debt is ranked lower than
88% of the 753 Companies
in the Global Business Services industry.

( Industry Median: 1.45 vs. PRAA: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
PRAA' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.13 Max: N/A
Current: 0.09
Equity to Asset 0.29
PRAA's Equity to Asset is ranked lower than
79% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. PRAA: 0.29 )
Ranked among companies with meaningful Equity to Asset only.
PRAA' s Equity to Asset Range Over the Past 10 Years
Min: 0.27  Med: 0.54 Max: 0.95
Current: 0.29
0.27
0.95
Interest Coverage 3.76
PRAA's Interest Coverage is ranked lower than
85% of the 720 Companies
in the Global Business Services industry.

( Industry Median: 24.39 vs. PRAA: 3.76 )
Ranked among companies with meaningful Interest Coverage only.
PRAA' s Interest Coverage Range Over the Past 10 Years
Min: 5.14  Med: 15.6 Max: 189.97
Current: 3.76
5.14
189.97
F-Score: 5
Z-Score: 2.21
M-Score: -2.47
WACC vs ROIC
8.41%
7.63%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 31.18
PRAA's Operating margin (%) is ranked higher than
93% of the 744 Companies
in the Global Business Services industry.

( Industry Median: 5.95 vs. PRAA: 31.18 )
Ranked among companies with meaningful Operating margin (%) only.
PRAA' s Operating margin (%) Range Over the Past 10 Years
Min: 28.68  Med: 36.62 Max: 40.47
Current: 31.18
28.68
40.47
Net-margin (%) 15.87
PRAA's Net-margin (%) is ranked higher than
85% of the 746 Companies
in the Global Business Services industry.

( Industry Median: 4.03 vs. PRAA: 15.87 )
Ranked among companies with meaningful Net-margin (%) only.
PRAA' s Net-margin (%) Range Over the Past 10 Years
Min: 15.76  Med: 20.7 Max: 23.85
Current: 15.87
15.76
23.85
ROE (%) 16.51
PRAA's ROE (%) is ranked higher than
72% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 7.83 vs. PRAA: 16.51 )
Ranked among companies with meaningful ROE (%) only.
PRAA' s ROE (%) Range Over the Past 10 Years
Min: 14.31  Med: 19.57 Max: 22.22
Current: 16.51
14.31
22.22
ROA (%) 4.54
PRAA's ROA (%) is ranked higher than
56% of the 762 Companies
in the Global Business Services industry.

( Industry Median: 3.52 vs. PRAA: 4.54 )
Ranked among companies with meaningful ROA (%) only.
PRAA' s ROA (%) Range Over the Past 10 Years
Min: 5.82  Med: 8.98 Max: 16.44
Current: 4.54
5.82
16.44
ROC (Joel Greenblatt) (%) 14.63
PRAA's ROC (Joel Greenblatt) (%) is ranked lower than
60% of the 743 Companies
in the Global Business Services industry.

( Industry Median: 21.62 vs. PRAA: 14.63 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PRAA' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 14.85  Med: 25.07 Max: 789.86
Current: 14.63
14.85
789.86
Revenue Growth (3Y)(%) 19.00
PRAA's Revenue Growth (3Y)(%) is ranked higher than
90% of the 604 Companies
in the Global Business Services industry.

( Industry Median: 4.10 vs. PRAA: 19.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PRAA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 15.7  Med: 25.1 Max: 47
Current: 19
15.7
47
EBITDA Growth (3Y)(%) 15.80
PRAA's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 506 Companies
in the Global Business Services industry.

( Industry Median: 7.00 vs. PRAA: 15.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PRAA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 6.3  Med: 23.9 Max: 76.4
Current: 15.8
6.3
76.4
EPS Growth (3Y)(%) 12.10
PRAA's EPS Growth (3Y)(%) is ranked higher than
61% of the 466 Companies
in the Global Business Services industry.

( Industry Median: 6.70 vs. PRAA: 12.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PRAA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.2  Med: 25.4 Max: 110.8
Current: 12.1
1.2
110.8
» PRAA's 10-Y Financials

Financials (Next Earnings Date: 2017-02-24)


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

» Details

Guru Trades

Q4 2015

PRAA Guru Trades in Q4 2015

Paul Tudor Jones 21,508 sh (+289.29%)
Jeremy Grantham 93,100 sh (+81.13%)
Joel Greenblatt 9,162 sh (+75.08%)
RS Investment Management Sold Out
» More
Q1 2016

PRAA Guru Trades in Q1 2016

Jim Simons 71,900 sh (New)
Jeremy Grantham 285,500 sh (+206.66%)
Joel Greenblatt 9,597 sh (+4.75%)
Paul Tudor Jones 7,383 sh (-65.67%)
» More
Q2 2016

PRAA Guru Trades in Q2 2016

Jeremy Grantham 299,214 sh (+4.80%)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Joel Greenblatt 9,385 sh (-2.21%)
» More
Q3 2016

PRAA Guru Trades in Q3 2016

Joel Greenblatt Sold Out
Jeremy Grantham 226,141 sh (-24.42%)
» 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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Business Description

Industry: Business Services » Business Services
Compare:NAS:EXPO, NAS:EXLS, NYSE:ENV, NAS:HMSY, NYSE:NSP, NYSE:SSTK, NYSE:TNET, NAS:ABCO, NYSE:FCN, NYSE:QUAD, NYSE:CEB, NYSE:NSR, NAS:GK, NYSE:WNS, NAS:TTEC, NAS:LABL, NYSE:RRD, NYSE:NCI, NYSE:TISI, NAS:SCOR » details
Traded in other countries:POV1.Germany,
PRA Group Inc acquires non-performing consumer debt, returns capital to banks and other creditors to help expand financial services for consumers in North America and Europe.

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.

Top Ranked Articles about PRA Group Inc

RS Investment Sells Stake in Debt Collection Company Guru parts with nearly 5 dozen stakes in 4th quarter
One of the factors that separates gurus from the rest of us is the knack many of them seem to have for buying and/or selling at just the right time. When the subject is transactions in the fourth quarter of 2015, just before the sharp decline in many stocks’ prices in the first weeks of 2016, the decision to divest oneself of stakes seems almost clairvoyant in hindsight. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 11.41
PRAA's P/E(ttm) is ranked higher than
80% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 20.01 vs. PRAA: 11.41 )
Ranked among companies with meaningful P/E(ttm) only.
PRAA' s P/E(ttm) Range Over the Past 10 Years
Min: 6.52  Med: 15.4 Max: 22.64
Current: 11.41
6.52
22.64
PE(NRI) 11.41
PRAA's PE(NRI) is ranked higher than
79% of the 586 Companies
in the Global Business Services industry.

( Industry Median: 19.77 vs. PRAA: 11.41 )
Ranked among companies with meaningful PE(NRI) only.
PRAA' s PE(NRI) Range Over the Past 10 Years
Min: 6.52  Med: 15.38 Max: 22.64
Current: 11.41
6.52
22.64
Price/Owner Earnings (ttm) 11.31
PRAA's Price/Owner Earnings (ttm) is ranked higher than
73% of the 393 Companies
in the Global Business Services industry.

( Industry Median: 19.15 vs. PRAA: 11.31 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PRAA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.32  Med: 10.65 Max: 18.25
Current: 11.31
4.32
18.25
P/B 1.74
PRAA's P/B is ranked higher than
61% of the 837 Companies
in the Global Business Services industry.

( Industry Median: 2.31 vs. PRAA: 1.74 )
Ranked among companies with meaningful P/B only.
PRAA' s P/B Range Over the Past 10 Years
Min: 1.05  Med: 2.62 Max: 4.17
Current: 1.74
1.05
4.17
P/S 1.82
PRAA's P/S is ranked lower than
59% of the 820 Companies
in the Global Business Services industry.

( Industry Median: 1.33 vs. PRAA: 1.82 )
Ranked among companies with meaningful P/S only.
PRAA' s P/S Range Over the Past 10 Years
Min: 1.16  Med: 3.11 Max: 5.61
Current: 1.82
1.16
5.61
PFCF 10.12
PRAA's PFCF is ranked higher than
80% of the 440 Companies
in the Global Business Services industry.

( Industry Median: 19.52 vs. PRAA: 10.12 )
Ranked among companies with meaningful PFCF only.
PRAA' s PFCF Range Over the Past 10 Years
Min: 4.25  Med: 10.76 Max: 17.39
Current: 10.12
4.25
17.39
POCF 9.24
PRAA's POCF is ranked higher than
68% of the 532 Companies
in the Global Business Services industry.

( Industry Median: 13.11 vs. PRAA: 9.24 )
Ranked among companies with meaningful POCF only.
PRAA' s POCF Range Over the Past 10 Years
Min: 3.96  Med: 9.87 Max: 16.32
Current: 9.24
3.96
16.32
EV-to-EBIT 11.60
PRAA's EV-to-EBIT is ranked higher than
65% of the 673 Companies
in the Global Business Services industry.

( Industry Median: 14.66 vs. PRAA: 11.60 )
Ranked among companies with meaningful EV-to-EBIT only.
PRAA' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.9  Med: 10.8 Max: 15.8
Current: 11.6
6.9
15.8
EV-to-EBITDA 10.73
PRAA's EV-to-EBITDA is ranked higher than
53% of the 716 Companies
in the Global Business Services industry.

( Industry Median: 11.33 vs. PRAA: 10.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
PRAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.3  Med: 10.1 Max: 14.3
Current: 10.73
6.3
14.3
PEG 0.53
PRAA's PEG is ranked higher than
86% of the 265 Companies
in the Global Business Services industry.

( Industry Median: 1.85 vs. PRAA: 0.53 )
Ranked among companies with meaningful PEG only.
PRAA' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.64 Max: 1.83
Current: 0.53
0.28
1.83
Shiller P/E 15.41
PRAA's Shiller P/E is ranked higher than
75% of the 160 Companies
in the Global Business Services industry.

( Industry Median: 29.03 vs. PRAA: 15.41 )
Ranked among companies with meaningful Shiller P/E only.
PRAA' s Shiller P/E Range Over the Past 10 Years
Min: 10.77  Med: 28.87 Max: 42.27
Current: 15.41
10.77
42.27
Current Ratio 5.51
PRAA's Current Ratio is ranked higher than
92% of the 723 Companies
in the Global Business Services industry.

( Industry Median: 1.60 vs. PRAA: 5.51 )
Ranked among companies with meaningful Current Ratio only.
PRAA' s Current Ratio Range Over the Past 10 Years
Min: 1.54  Med: 2.12 Max: 6.49
Current: 5.51
1.54
6.49
Quick Ratio 5.51
PRAA's Quick Ratio is ranked higher than
93% of the 723 Companies
in the Global Business Services industry.

( Industry Median: 1.48 vs. PRAA: 5.51 )
Ranked among companies with meaningful Quick Ratio only.
PRAA' s Quick Ratio Range Over the Past 10 Years
Min: 1.54  Med: 2.12 Max: 6.49
Current: 5.51
1.54
6.49
Days Sales Outstanding 978.45
PRAA's Days Sales Outstanding is ranked lower than
100% of the 560 Companies
in the Global Business Services industry.

( Industry Median: 58.41 vs. PRAA: 978.45 )
Ranked among companies with meaningful Days Sales Outstanding only.
PRAA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 6.25  Med: 226.87 Max: 865.83
Current: 978.45
6.25
865.83

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 3.10
PRAA's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 436 Companies
in the Global Business Services industry.

( Industry Median: -1.40 vs. PRAA: 3.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PRAA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.6  Med: -1.5 Max: 3.1
Current: 3.1
-10.6
3.1

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 6.66
PRAA's Price/Net Current Asset Value is ranked lower than
54% of the 427 Companies
in the Global Business Services industry.

( Industry Median: 6.07 vs. PRAA: 6.66 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
PRAA' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 1.8  Med: 3.51 Max: 12.09
Current: 6.66
1.8
12.09
Price/Tangible Book 4.71
PRAA's Price/Tangible Book is ranked lower than
66% of the 649 Companies
in the Global Business Services industry.

( Industry Median: 2.85 vs. PRAA: 4.71 )
Ranked among companies with meaningful Price/Tangible Book only.
PRAA' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.61  Med: 3.39 Max: 8.45
Current: 4.71
1.61
8.45
Price/Projected FCF 0.49
PRAA's Price/Projected FCF is ranked higher than
89% of the 424 Companies
in the Global Business Services industry.

( Industry Median: 1.46 vs. PRAA: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
PRAA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.81 Max: 1.2
Current: 0.49
0.34
1.2
Price/DCF (Earnings Based) 0.43
PRAA's Price/DCF (Earnings Based) is ranked higher than
96% of the 57 Companies
in the Global Business Services industry.

( Industry Median: 1.64 vs. PRAA: 0.43 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.58
PRAA's Price/Median PS Value is ranked higher than
90% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.08 vs. PRAA: 0.58 )
Ranked among companies with meaningful Price/Median PS Value only.
PRAA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.1 Max: 2.24
Current: 0.58
0.4
2.24
Price/Peter Lynch Fair Value 0.71
PRAA's Price/Peter Lynch Fair Value is ranked higher than
81% of the 198 Companies
in the Global Business Services industry.

( Industry Median: 1.52 vs. PRAA: 0.71 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PRAA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.43  Med: 0.69 Max: 1.69
Current: 0.71
0.43
1.69
Price/Graham Number 1.55
PRAA's Price/Graham Number is ranked higher than
54% of the 491 Companies
in the Global Business Services industry.

( Industry Median: 1.64 vs. PRAA: 1.55 )
Ranked among companies with meaningful Price/Graham Number only.
PRAA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.82  Med: 1.59 Max: 2.41
Current: 1.55
0.82
2.41
Earnings Yield (Greenblatt) (%) 8.60
PRAA's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 884 Companies
in the Global Business Services industry.

( Industry Median: 5.23 vs. PRAA: 8.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PRAA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.3  Med: 9.3 Max: 14.5
Current: 8.6
6.3
14.5
Forward Rate of Return (Yacktman) (%) 26.19
PRAA's Forward Rate of Return (Yacktman) (%) is ranked higher than
83% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 10.63 vs. PRAA: 26.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PRAA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 17.6  Med: 30.5 Max: 42.1
Current: 26.19
17.6
42.1

More Statistics

Revenue (TTM) (Mil) $905.5
EPS (TTM) $ 3.08
Beta1.60
Short Percentage of Float13.85%
52-Week Range $20.00 - 41.38
Shares Outstanding (Mil)46.35

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 968 1,003
EPS ($) 3.96 4.21
EPS w/o NRI ($) 3.96 4.21
EPS Growth Rate
(3Y to 5Y Estimate)
14.00%
Dividends Per Share ($)
» More Articles for PRAA

Headlines

Articles On GuruFocus.com
Quality Stocks: Alliance Holding, Fossil Group, NeuStar Jun 28 2016 
Wide Margin of Safety for Fossil and NeuStar May 18 2016 
Growing EPS for Viacom, Western Digital, Fossil Apr 18 2016 
RS Investment Sells Stake in Debt Collection Company Feb 17 2016 
4.5-Star PRA Group Is the Debt Collector to Buy Dec 30 2015 
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 
Portfolio Recovery Associates (PRAA) CFO Buys 2,000 Shares Aug 10 2011 

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Edited Transcript of PRAA earnings conference call or presentation 7-Nov-16 10:00pm GMT Nov 08 2016
PRA Group misses Street 3Q forecasts Nov 07 2016
PRA Group misses Street 3Q forecasts Nov 07 2016
PRA GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 07 2016
PRA Group Reports Third Quarter 2016 Results Nov 07 2016
PRA Group Reports Third Quarter 2016 Results Nov 07 2016
Q3 2016 PRA Group Inc Earnings Release - After Market Close Nov 07 2016
PRA Group to Announce Third Quarter 2016 Results on November 7 Oct 31 2016
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