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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 0.10
PRAA's Cash-to-Debt is ranked lower than
79% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. PRAA: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
PRAA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.12 Max: No Debt
Current: 0.1
Equity-to-Asset 0.29
PRAA's Equity-to-Asset is ranked lower than
67% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 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
Debt-to-Equity 1.94
PRAA's Debt-to-Equity is ranked lower than
61% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. PRAA: 1.94 )
Ranked among companies with meaningful Debt-to-Equity only.
PRAA' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.51 Max: 2.19
Current: 1.94
0
2.19
Debt-to-EBITDA 8.62
PRAA's Debt-to-EBITDA is ranked lower than
54% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. PRAA: 8.62 )
Ranked among companies with meaningful Debt-to-EBITDA only.
PRAA' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.16  Med: 2.52 Max: 8.62
Current: 8.62
1.16
8.62
Interest Coverage 1.70
PRAA's Interest Coverage is ranked lower than
69% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. PRAA: 1.70 )
Ranked among companies with meaningful Interest Coverage only.
PRAA' s Interest Coverage Range Over the Past 10 Years
Min: 1.7  Med: 12.27 Max: 23.9
Current: 1.7
1.7
23.9
Piotroski F-Score: 3
Altman Z-Score: 2.06
Beneish M-Score: -2.38
WACC vs ROIC
7.91%
3.68%
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 : 7/10

vs
industry
vs
history
Operating Margin % 21.34
PRAA's Operating Margin % is ranked higher than
56% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. PRAA: 21.34 )
Ranked among companies with meaningful Operating Margin % only.
PRAA' s Operating Margin % Range Over the Past 10 Years
Min: 21.34  Med: 35.65 Max: 40.47
Current: 21.34
21.34
40.47
Net Margin % 7.57
PRAA's Net Margin % is ranked lower than
55% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. PRAA: 7.57 )
Ranked among companies with meaningful Net Margin % only.
PRAA' s Net Margin % Range Over the Past 10 Years
Min: 7.57  Med: 19.88 Max: 23.85
Current: 7.57
7.57
23.85
ROE % 6.14
PRAA's ROE % is ranked higher than
54% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. PRAA: 6.14 )
Ranked among companies with meaningful ROE % only.
PRAA' s ROE % Range Over the Past 10 Years
Min: 6.14  Med: 18.99 Max: 22.22
Current: 6.14
6.14
22.22
ROA % 1.76
PRAA's ROA % is ranked higher than
51% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. PRAA: 1.76 )
Ranked among companies with meaningful ROA % only.
PRAA' s ROA % Range Over the Past 10 Years
Min: 1.76  Med: 8.14 Max: 12.54
Current: 1.76
1.76
12.54
ROC (Joel Greenblatt) % 9.96
PRAA's ROC (Joel Greenblatt) % is ranked lower than
53% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. PRAA: 9.96 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
PRAA' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 9.96  Med: 22.61 Max: 44.38
Current: 9.96
9.96
44.38
3-Year Revenue Growth Rate 7.40
PRAA's 3-Year Revenue Growth Rate is ranked higher than
51% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 vs. PRAA: 7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PRAA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 7.4  Med: 24.5 Max: 47
Current: 7.4
7.4
47
3-Year EBITDA Growth Rate -5.60
PRAA's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. PRAA: -5.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PRAA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -5.6  Med: 23.25 Max: 76.4
Current: -5.6
-5.6
76.4
3-Year EPS without NRI Growth Rate -19.10
PRAA's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. PRAA: -19.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PRAA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -19.1  Med: 23.45 Max: 110.8
Current: -19.1
-19.1
110.8
GuruFocus has detected 7 Warning Signs with PRA Group Inc PRAA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PRAA's 30-Y Financials

Financials (Next Earnings Date: 2018-02-28)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

PRAA Guru Trades in Q4 2016

Jeremy Grantham 156,615 sh (-30.74%)
» More
Q1 2017

PRAA Guru Trades in Q1 2017

Jeremy Grantham 73,264 sh (-53.22%)
» More
Q2 2017

PRAA Guru Trades in Q2 2017

Steven Cohen 9,900 sh (New)
Jeremy Grantham 14,400 sh (-80.35%)
» More
Q3 2017

PRAA Guru Trades in Q3 2017

Barrow, Hanley, Mewhinney & Strauss 634,099 sh (New)
Steven Cohen Sold Out
Jeremy Grantham Sold Out
» 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
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 New Buy0.03%$26.4 - $40.05 $ 33.751%634,099
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522298    SIC: 7323
Compare:BOM:531213, TSX:ECN, MIL:BFF, TSE:8566, OSTO:COLL, WAR:KRU, TSE:8714, BOM:532938, BKK:KTC, OSTO:RESURS, NAS:QIWI, TSE:8589, BOM:532659, SGX:S41, XTER:HYQ, NAS:MGI, OSL:B2H, TSE:8515, TSE:8584, NAS:OCSL » details
Traded in other countries:POV1.Germany,
Headquarter Location:USA
PRA Group Inc is a United States-based company that primarily acquires, collects, and processes nonperforming loans. The company generates the majority of its sales from the United States.

PRA Group is a United States-based company that primarily acquires, collects, and processes nonperforming loans in the Americas and Europe. The accounts acquired by the company are unpaid obligations of individuals owed to credit grantors, which primarily include banks and other types of consumer, retail, and auto finance companies. In addition, the company provides fee-based services including contingent collections of nonperforming loans in Europe; vehicle location, skip tracing, and collateral recovery; and revenue administration, audit, and debt discovery services for government entities. The company generates the majority of its sales from the United States.

Ratios

vs
industry
vs
history
PE Ratio 27.22
PRAA's PE Ratio is ranked lower than
51% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. PRAA: 27.22 )
Ranked among companies with meaningful PE Ratio only.
PRAA' s PE Ratio Range Over the Past 10 Years
Min: 6.52  Med: 15.33 Max: 27.22
Current: 27.22
6.52
27.22
PE Ratio without NRI 27.22
PRAA's PE Ratio without NRI is ranked lower than
51% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. PRAA: 27.22 )
Ranked among companies with meaningful PE Ratio without NRI only.
PRAA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.52  Med: 15.34 Max: 27.22
Current: 27.22
6.52
27.22
PB Ratio 1.51
PRAA's PB Ratio is ranked lower than
54% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. PRAA: 1.51 )
Ranked among companies with meaningful PB Ratio only.
PRAA' s PB Ratio Range Over the Past 10 Years
Min: 1.05  Med: 2.47 Max: 4.03
Current: 1.51
1.05
4.03
PS Ratio 2.04
PRAA's PS Ratio is ranked higher than
74% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. PRAA: 2.04 )
Ranked among companies with meaningful PS Ratio only.
PRAA' s PS Ratio Range Over the Past 10 Years
Min: 1.16  Med: 2.93 Max: 5.06
Current: 2.04
1.16
5.06
EV-to-EBIT 16.22
PRAA's EV-to-EBIT is ranked higher than
59% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. PRAA: 16.22 )
Ranked among companies with meaningful EV-to-EBIT only.
PRAA' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.9  Med: 10.9 Max: 16.3
Current: 16.22
6.9
16.3
EV-to-EBITDA 14.71
PRAA's EV-to-EBITDA is ranked higher than
59% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. PRAA: 14.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
PRAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.3  Med: 10.2 Max: 14.71
Current: 14.71
6.3
14.71
EV-to-Revenue 4.39
PRAA's EV-to-Revenue is ranked higher than
62% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. PRAA: 4.39 )
Ranked among companies with meaningful EV-to-Revenue only.
PRAA' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.1  Med: 3.9 Max: 5.6
Current: 4.39
2.1
5.6
PEG Ratio 2.89
PRAA's PEG Ratio is ranked lower than
72% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. PRAA: 2.89 )
Ranked among companies with meaningful PEG Ratio only.
PRAA' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.67 Max: 7.67
Current: 2.89
0.28
7.67
Shiller PE Ratio 14.41
PRAA's Shiller PE Ratio is ranked higher than
68% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 15.56 vs. PRAA: 14.41 )
Ranked among companies with meaningful Shiller PE Ratio only.
PRAA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.82  Med: 27.94 Max: 42.27
Current: 14.41
10.82
42.27
Current Ratio 6.57
PRAA's Current Ratio is ranked higher than
73% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.21 vs. PRAA: 6.57 )
Ranked among companies with meaningful Current Ratio only.
PRAA' s Current Ratio Range Over the Past 10 Years
Min: 1.54  Med: 2.86 Max: 6.86
Current: 6.57
1.54
6.86
Quick Ratio 6.57
PRAA's Quick Ratio is ranked higher than
75% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 vs. PRAA: 6.57 )
Ranked among companies with meaningful Quick Ratio only.
PRAA' s Quick Ratio Range Over the Past 10 Years
Min: 1.54  Med: 2.86 Max: 6.86
Current: 6.57
1.54
6.86
Days Sales Outstanding 1.00
PRAA's Days Sales Outstanding is ranked higher than
96% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 19.78 vs. PRAA: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
PRAA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 1  Med: 319.57 Max: 1023.5
Current: 1
1
1023.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 2.40
PRAA's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. PRAA: 2.40 )
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: -0.4 Max: 3.1
Current: 2.4
-10.6
3.1

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 4.60
PRAA's Price-to-Net-Current-Asset-Value is ranked lower than
74% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 2.44 vs. PRAA: 4.60 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
PRAA' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 1.8  Med: 3.71 Max: 12.09
Current: 4.6
1.8
12.09
Price-to-Tangible-Book 3.41
PRAA's Price-to-Tangible-Book is ranked lower than
80% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. PRAA: 3.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PRAA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.61  Med: 3.43 Max: 8.45
Current: 3.41
1.61
8.45
Price-to-Intrinsic-Value-Projected-FCF 0.61
PRAA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
76% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. PRAA: 0.61 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PRAA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.77 Max: 1.2
Current: 0.61
0.34
1.2
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.35
PRAA's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
55% of the 22 Companies
in the Global Credit Services industry.

( Industry Median: 0.86 vs. PRAA: 1.35 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
PRAA' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.34  Med: 0.55 Max: 1.16
Current: 1.35
0.34
1.16
Price-to-Median-PS-Value 0.69
PRAA's Price-to-Median-PS-Value is ranked higher than
81% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. PRAA: 0.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PRAA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.43  Med: 1.15 Max: 2.53
Current: 0.69
0.43
2.53
Price-to-Graham-Number 2.03
PRAA's Price-to-Graham-Number is ranked lower than
68% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. PRAA: 2.03 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PRAA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.82  Med: 1.61 Max: 2.41
Current: 2.03
0.82
2.41
Earnings Yield (Greenblatt) % 6.17
PRAA's Earnings Yield (Greenblatt) % is ranked higher than
67% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. PRAA: 6.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PRAA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.1  Med: 9.2 Max: 14.5
Current: 6.17
6.1
14.5
Forward Rate of Return (Yacktman) % 12.23
PRAA's Forward Rate of Return (Yacktman) % is ranked higher than
64% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 9.02 vs. PRAA: 12.23 )
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: 12.2  Med: 28.9 Max: 43.2
Current: 12.23
12.2
43.2

More Statistics

Revenue (TTM) (Mil) $763.16
EPS (TTM) $ 1.24
Beta1.85
Short Percentage of Float21.22%
52-Week Range $25.72 - 42.70
Shares Outstanding (Mil)45.17

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 899 954
EPS ($) 2.92 3.29
EPS without NRI ($) 2.92 3.29
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: 33
Positive ROAY
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyY
Less Shares Outstanding yoyY
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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