PRA Group Inc (PRAA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PRA Group Inc stock (PRAA) is currently trading at $17.81. PRA Group Inc PS ratio (Price-to-Sales) is 0.58. Analyst consensus price target for PRAA is $26.00. WallStSmart rates PRAA as Hold.
- PRAA PE ratio analysis and historical PE chart
- PRAA PS ratio (Price-to-Sales) history and trend
- PRAA intrinsic value — DCF, Graham Number, EPV models
- PRAA stock price prediction 2025 2026 2027 2028 2029 2030
- PRAA fair value vs current price
- PRAA insider transactions and insider buying
- Is PRAA undervalued or overvalued?
- PRA Group Inc financial analysis — revenue, earnings, cash flow
- PRAA Piotroski F-Score and Altman Z-Score
- PRAA analyst price target and Smart Rating
PRA Group Inc
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Smart Analysis
PRA Group Inc (PRAA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around peg ratio and return on equity. Fundamentals are solid but monitor weak areas for improvement.
PRA Group Inc (PRAA) Key Strengths (5)
Keeps $38 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 211.30% year-over-year
99.53% of shares held by major funds and institutions
Supporting Valuation Data
PRA Group Inc (PRAA) Areas to Watch (5)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Very expensive relative to growth, significant premium
Small-cap company with higher risk but more growth potential
Solid revenue growth at 13.70% per year
PRA Group Inc (PRAA) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.58), Price/Book (0.69) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.10%. Growth metrics are encouraging with EPS Growth at 211.30%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, PEG Ratio. Some valuation metrics including PEG Ratio (5.88) suggest expensive pricing. Growth concerns include Revenue Growth at 13.70%, which may limit upside. Profitability pressure is visible in Return on Equity at -26.00%, Profit Margin at -25.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -26.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Sales) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PRAA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PRAA's Price-to-Sales ratio of 0.58x trades at a deep discount to its historical average of 4.8x (3th percentile). The current valuation is 96% below its historical high of 13.51x set in Jan 2006, and 13% above its historical low of 0.51x in Mar 2026. Over the past 12 months, the PS ratio has expanded from ~0.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for PRA Group Inc (PRAA) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
PRA Group Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 1.2B with 14% growth year-over-year. The company is currently unprofitable, posting a -25.4% profit margin.
Key Findings
The company is unprofitable with a -25.4% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -11M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact PRA Group Inc.
Bottom Line
PRA Group Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About PRA Group Inc(PRAA)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
PRA Group, Inc., a service company, is engaged in the purchase, collection and management of delinquent loan portfolios in the Americas, Australia and Europe. The company is headquartered in Norfolk, Virginia.