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About the company
PRA Group, Inc. is a global financial services company with operations based primarily in the Americas, Europe and Australia. The Company’s primary business is the purchase, collection and management of portfolios of nonperforming loans. The accounts it purchases are primarily the unpaid obligations of individuals owed to credit originators. The Company’s nonperforming loan portfolio comprises Core and Insolvency portfolios. Core operation specializes in purchasing and collecting nonperforming loans, which it purchases since the credit originators have chosen not to pursue, or have been unsuccessful in, collecting the full balance owed. Insolvency operations consist primarily of purchasing and collecting nonperforming loans where the customer is involved in a bankruptcy proceeding, or the equivalent thereof, in certain European countries. It also provides fee-based services on class action claims recoveries in the United States.
- Revenue in USD (TTM)1.13bn
- Net income in USD70.79m
- Incorporated2002
- Employees2.99k
- LocationPRA Group Inc120 Corporate Blvd Ste 100NORFOLK 23502United StatesUSA
- Phone+1 (757) 519-9300
- Fax+1 (302) 636-5454
- Websitehttps://www.pragroup.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Finemark Holdings Inc | 172.28m | 7.82m | 517.20m | -- | 66.28 | 1.41 | -- | 5.22 | 0.6353 | 0.6353 | 8.09 | 29.87 | -- | -- | -- | -- | 0.2367 | 0.4747 | -- | -- | -- | -- | 9.74 | 17.56 | -- | -- | -- | -- | 24.64 | 19.02 | -0.4511 | -19.70 | -13.76 | -- |
| Guaranty Bancshares Inc | 162.69m | 33.49m | 517.92m | 485.00 | 15.65 | 1.59 | 13.44 | 4.26 | 2.92 | 2.92 | 10.58 | 28.64 | -- | -- | -- | -- | 1.06 | 1.12 | -- | -- | -- | -- | 27.51 | 28.07 | -- | -- | -- | 29.85 | 4.26 | 9.73 | 4.99 | 3.72 | -8.21 | 8.57 |
| Thomasville Bancshares Inc | 18.67m | 3.33m | 520.79m | 62.00 | 152.48 | 15.20 | 139.97 | 34.24 | 0.5411 | 0.5411 | 2.47 | 5.43 | -- | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | 21.89 | 33.81 | -- | -- | -- | 45.58 | 18.11 | 14.98 | 11.29 | 18.07 | -5.73 | 16.59 |
| Unity Bancorp Inc | 158.60m | 43.46m | 527.68m | 220.00 | 12.34 | 1.73 | 11.43 | 4.76 | 4.26 | 4.26 | 10.88 | 30.38 | -- | -- | -- | -- | 1.63 | 1.60 | -- | -- | -- | -- | 39.20 | 37.78 | -- | -- | -- | 12.17 | 8.53 | 15.54 | 4.39 | 11.87 | -0.4555 | 10.90 |
| Northrim BanCorp Inc | 159.67m | 42.10m | 530.28m | 503.00 | 12.76 | 1.90 | 11.55 | 3.19 | 7.53 | 7.53 | 29.77 | 50.67 | -- | -- | -- | -- | 1.43 | 1.29 | -- | -- | -- | -- | 25.29 | 24.01 | -- | -- | -- | 34.29 | 16.65 | 17.04 | 45.59 | 12.31 | -27.23 | 14.32 |
| California Bancorp | 204.85m | 17.35m | 531.57m | 289.00 | 38.31 | 1.00 | 24.11 | 2.59 | 0.4281 | 0.4281 | 7.25 | 16.40 | 0.0653 | -- | 7.69 | 708,820.10 | 0.5532 | -- | 3.80 | -- | -- | -- | 8.47 | -- | -- | 1.75 | 0.8653 | -- | 45.18 | -- | -79.03 | -- | -- | -- |
| Hingham Institution for Savings | 200.51m | 33.76m | 547.84m | 87.00 | 12.82 | 1.23 | 31.15 | 7.22 | 19.59 | 19.59 | 34.49 | 204.45 | -- | -- | -- | -- | 0.7452 | 1.14 | -- | -- | -- | -- | 44.50 | 49.13 | -- | -- | -- | 13.68 | 12.41 | 12.87 | 6.90 | -6.25 | -26.48 | 9.79 |
| Washington Trust Bancorp Inc | 334.89m | -26.78m | 561.18m | 618.00 | -- | 1.07 | -- | 5.06 | -1.58 | -1.58 | 6.24 | 27.06 | -- | -- | -- | -- | -0.3877 | 0.7562 | -- | -- | -- | -- | -24.18 | 24.63 | -- | -- | -- | 79.35 | 10.37 | 11.50 | -158.30 | -- | 5.02 | 2.71 |
| GBank Financial Holdings Inc | -100.00bn | -100.00bn | 591.59m | 168.00 | -- | 4.10 | -- | -- | -- | -- | -- | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 46.69 | -- | 70.66 | -- | -- | -- |
| Pra Group Inc | 1.13bn | 70.79m | 629.38m | 2.99k | 8.87 | 0.5162 | 6.44 | 0.5577 | 1.79 | 1.79 | 28.50 | 30.75 | 0.2344 | -- | 0.2836 | 362,297.60 | 1.78 | 2.27 | 1.88 | 2.40 | 80.15 | 79.97 | 7.61 | 9.97 | -- | 1.46 | 0.7405 | 0.00 | 38.87 | 1.85 | 184.58 | -3.90 | -25.84 | -- |
| Heritage Commerce Corp | 246.98m | 41.99m | 637.51m | 350.00 | 15.18 | 0.916 | 14.02 | 3.62 | 0.6818 | 0.6818 | 2.86 | 11.30 | -- | -- | -- | -- | 0.7797 | 1.00 | -- | -- | -- | -- | 23.81 | 29.52 | -- | -- | -- | 61.86 | 3.59 | 11.21 | -37.11 | 0.0331 | 51.57 | 1.61 |
| Eagle Bancorp Inc | 665.84m | -45.02m | 650.08m | 451.00 | -- | 0.522 | -- | 2.14 | -1.49 | -1.49 | 10.05 | 40.99 | -- | -- | -- | -- | -0.3927 | 0.9014 | -- | -- | -- | -- | -14.80 | 29.45 | -- | -- | -- | 42.76 | 9.95 | 9.86 | -146.79 | -- | -35.14 | 13.26 |
| Orrstown Financial Services Inc | 281.80m | 31.57m | 654.51m | 607.00 | 17.11 | 1.23 | 14.73 | 2.98 | 1.96 | 1.96 | 12.86 | 27.32 | -- | -- | -- | -- | 0.7321 | 0.8983 | -- | -- | -- | -- | 14.38 | 20.52 | -- | -- | -- | 32.94 | 66.07 | 21.77 | -38.17 | 5.43 | -11.48 | 7.47 |
| South Plains Financial Inc | 247.02m | 54.61m | 658.96m | 528.00 | 12.68 | 1.45 | 14.73 | 3.24 | 3.20 | 3.20 | 11.94 | 27.98 | -- | -- | -- | -- | 1.27 | 1.42 | -- | -- | -- | -- | 26.82 | 25.62 | -- | -- | -- | 12.31 | 13.61 | 12.62 | -20.76 | 11.22 | -3.45 | -- |
| OTC Markets Group Inc | 111.06m | 27.36m | 690.79m | 82.00 | 24.90 | 19.29 | 23.00 | 6.22 | 2.31 | 2.31 | 9.37 | 2.98 | 1.23 | -- | 14.08 | -- | 30.19 | 33.42 | 59.54 | 65.66 | 91.15 | 90.87 | 24.63 | 26.90 | -- | -- | -- | 28.55 | 1.06 | 12.06 | -1.09 | 12.86 | -- | -2.09 |
| Farmers & Merchants Bancorp | 272.47m | 88.74m | 724.63m | 373.00 | 8.07 | 1.21 | 7.90 | 3.17 | 123.37 | 123.37 | 317.67 | 825.18 | -- | -- | -- | -- | 1.56 | 1.51 | -- | -- | -- | -- | 38.79 | 37.53 | -- | -- | -- | 16.49 | 7.18 | 11.96 | 0.1619 | 9.56 | -31.18 | 4.97 |
Data as of Jul 18 2025. Currency figures normalised to PRA Group Inc's reporting currency: US Dollar USD
59.75%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2025 | 6.07m | 15.39% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 4.23m | 10.72% |
| Wellington Management Co. LLPas of 31 Mar 2025 | 3.18m | 8.06% |
| Global Alpha Capital Management Ltd.as of 31 Mar 2025 | 2.02m | 5.12% |
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 1.94m | 4.92% |
| T. Rowe Price Investment Management, Inc.as of 31 Mar 2025 | 1.88m | 4.78% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 1.50m | 3.81% |
| RBC Global Asset Management (US), Inc.as of 31 Mar 2025 | 955.17k | 2.42% |
| Geode Capital Management LLCas of 31 Mar 2025 | 946.64k | 2.40% |
| Topline Capital Management LLCas of 31 Mar 2025 | 838.92k | 2.13% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
