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Upturn AI SWOT - About
PRAA 
PRA Group Inc (PRAA)
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Upturn Advisory Summary
03/27/2025: PRAA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.87% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 831.68M USD | Price to earnings Ratio 11.76 | 1Y Target Price 30.67 |
Price to earnings Ratio 11.76 | 1Y Target Price 30.67 | ||
Volume (30-day avg) 356539 | Beta 1.64 | 52 Weeks Range 18.09 - 28.64 | Updated Date 03/27/2025 |
52 Weeks Range 18.09 - 28.64 | Updated Date 03/27/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.34% | Operating Margin (TTM) 32.1% |
Management Effectiveness
Return on Assets (TTM) 4.49% | Return on Equity (TTM) 7.28% |
Valuation
Trailing PE 11.76 | Forward PE 11.57 | Enterprise Value 4033034238 | Price to Sales(TTM) 0.75 |
Enterprise Value 4033034238 | Price to Sales(TTM) 0.75 | ||
Enterprise Value to Revenue 3.59 | Enterprise Value to EBITDA 19.29 | Shares Outstanding 39509600 | Shares Floating 38256317 |
Shares Outstanding 39509600 | Shares Floating 38256317 | ||
Percent Insiders 3.21 | Percent Institutions 99.08 |
Analyst Ratings
Rating 3.75 | Target Price 29.33 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
PRA Group Inc
Company Overview
History and Background
PRA Group Inc. was founded in 1996 and is headquartered in Norfolk, Virginia. It initially focused on purchasing defaulted receivables in the United States and has since expanded its operations internationally. PRA Group has grown through organic expansion and strategic acquisitions to become a major player in the debt recovery industry.
Core Business Areas
- Americas Core: Acquisition and collection of nonperforming loans in the United States.
- Europe Core: Acquisition and collection of nonperforming loans in Europe.
- Fee-Based Services: Provides fee-based services, including debt collection and revenue enhancement for government and commercial clients.
Leadership and Structure
PRA Group is led by its President and CEO, Kevin Stevenson. The company has a board of directors overseeing strategic decisions. It operates with regional management structures for its Americas and European operations.
Top Products and Market Share
Key Offerings
- Fee-Based Debt Collection Services: PRA Group offers debt collection services on behalf of third-party clients, earning a commission on successful collections. It also offers revenue enhancement service for governement and commercial clients. Competitors include Transworld Systems Inc. and ConServe.
- Nonperforming Loan Acquisition: PRA Group acquires portfolios of nonperforming loans from banks, credit unions, and other financial institutions. Revenue is generated through the collection of these debts. Market share data is difficult to pinpoint precisely due to the fragmented nature of the debt buying market, but PRA Group is considered a top 3 player. Competitors include Encore Capital Group and Portfolio Recovery Associates.
Market Dynamics
Industry Overview
The debt buying industry is highly competitive and influenced by economic conditions, consumer credit trends, and regulatory changes. The industry experiences increased activity during economic downturns and periods of high consumer debt. Regulatory scrutiny is a constant factor.
Positioning
PRA Group is a leading player in the debt buying and collection industry. It has a significant presence in both the US and European markets. Its competitive advantages include its scale, experience, and advanced analytics capabilities.
Total Addressable Market (TAM)
The TAM for debt purchasing is estimated in the tens of billions of dollars annually globally, depending on economic cycles and credit conditions. PRA Group is well-positioned to capture a portion of this TAM through its market presence and operational capabilities.
Upturn SWOT Analysis
Strengths
- Established market position
- Diversified operations across geographies
- Sophisticated data analytics capabilities
- Experienced management team
Weaknesses
- Exposure to economic downturns
- Regulatory scrutiny and compliance costs
- Dependence on debt supply from financial institutions
- Reputational risks associated with debt collection practices
Opportunities
- Expansion into new geographic markets
- Increased demand for debt buying during economic downturns
- Adoption of new technologies for debt collection
- Growth in fee-based services
Threats
- Increased regulatory oversight
- Competition from other debt buyers
- Decreased supply of debt due to improved economic conditions
- Negative publicity and consumer backlash
Competitors and Market Share
Key Competitors
- ECPG
- ENCORE
Competitive Landscape
PRA Group competes with other debt buyers based on price, portfolio quality, and operational efficiency. It also faces competition from collection agencies in its fee-based services business. PRA Group's scale and data analytics capabilities provide a competitive edge.
Major Acquisitions
Portfolio Recovery Associates
- Year: 2009
- Acquisition Price (USD millions): 840
- Strategic Rationale: Expanded market presence and portfolio diversification.
Growth Trajectory and Initiatives
Historical Growth: PRA Group has grown through a combination of organic expansion and acquisitions. Its growth has been influenced by economic cycles and the availability of debt portfolios.
Future Projections: Requires access to analyst estimates. Unable to populate.
Recent Initiatives: PRA Group has focused on improving its data analytics capabilities and expanding its fee-based services business.
Summary
PRA Group operates in the cyclical debt buying industry. Its strengths lie in its established market position, scale, and data analytics. Regulatory scrutiny and economic downturns pose potential challenges. The company's future success depends on its ability to manage risk, adapt to regulatory changes, and efficiently collect on its debt portfolios.
Similar Companies
- ECPG
- ENCORE
- NCBS
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on publicly available information. Actual performance may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PRA Group Inc
Exchange NASDAQ | Headquaters Norfolk, VA, United States | ||
IPO Launch date 2002-11-08 | President, CEO & Director Mr. Vikram A. Atal | ||
Sector Financial Services | Industry Credit Services | Full time employees 3115 | Website https://www.pragroup.com |
Full time employees 3115 | Website https://www.pragroup.com | ||
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. The company purchases accounts that are primarily unpaid obligations of individuals owed to credit originators. It also purchases and collects nonperforming loans, which are sold by credit originators when they choose not to pursue, or have been unsuccessful in, collecting the full balance owed. In addition, the company is involved in purchasing and collecting on nonperforming loans where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. Its nonperforming loans, includes general purpose and private label credit cards, consumer loans, auto loans, overdrafts, and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.
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