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ISIN
US69354N1063
CUSIP
69354N106
IPO Date
Nov 8, 2002

Highlights

Market Cap
$610.78M
Enterprise Value
$549.20M
EPS (TTM)
-$7.18
Total Revenue (TTM)
$1.28B
Gross Profit (TTM)
$1.31B
EBITDA (TTM)
-$47.90M
Year Range
$10.25 - $22.55
Target Price
$25.00
ROA (TTM)
-5.39%
ROE (TTM)
-28.00%

Share Price Chart


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PRA Group, Inc.

Often compared with PRAA:
PRAA vs. BKLN

Performance

PRAA Performance Chart

PRA Group, Inc. (PRAA) is down 10.3% since the beginning of the year. At $16 per share, PRAA is trading 29.7% below its 52-week high of $23. Investors who bought $1,000 worth of PRAA shares 5 years ago would now be looking at an investment worth $408.


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S&P 500 Index

Returns By Period

PRA Group, Inc. (PRAA) has returned -10.34% so far this year and 8.04% over the past 12 months. Over the last ten years, PRAA has returned -4.54% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.


PRA Group, Inc.

1D
6.16%
1M
8.33%
YTD
-10.34%
6M
-9.47%
1Y
8.04%
3Y*
-11.13%
5Y*
-16.43%
10Y*
-4.54%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

PRAA Monthly Returns History

Based on dividend-adjusted daily data since Nov 8, 2002, PRAA's average daily return is +0.06%, while the average monthly return is +1.18%. At this rate, an investment would double in approximately 4.9 years.

Historically, 54% of months were positive and 46% were negative. The best month was Nov 2023 with a return of +50.5%, while the worst month was May 2023 at -48.4%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.

On a daily basis, PRAA closed higher 50% of trading days. The best single day was May 8, 2020 with a return of +32.1%, while the worst single day was May 9, 2023 at -30.4%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-27.70%23.14%11.11%24.51%-29.97%3.93%-10.34%
20255.84%-5.34%-1.48%-11.25%-22.46%3.95%3.05%12.43%-9.65%-11.20%18.16%9.20%-15.32%
2024-13.09%12.25%2.03%-8.78%-9.29%-8.90%35.55%-12.50%-4.12%-9.84%5.16%-1.46%-20.27%
202319.12%5.77%-8.46%-6.90%-48.44%22.19%4.42%-18.36%-1.39%-35.92%50.53%41.39%-22.44%
2022-7.39%-4.02%1.01%-6.77%-11.97%-1.73%9.57%-7.28%-11.04%1.95%2.63%-1.75%-32.72%
2021-16.87%11.80%0.57%1.65%3.32%-1.18%0.83%8.28%0.33%1.76%-0.98%18.25%26.60%

Benchmark Metrics

PRA Group, Inc. has an annualized alpha of 3.76%, beta of 1.04, and R2 of 0.19 versus S&P 500 Index. Calculated based on daily prices since November 08, 2002.

  • This stock participated in 106.48% of S&P 500 Index downside but only 87.22% of its upside - more exposed to losses than it benefited from rallies.
  • R2 of 0.19 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
3.76%
Beta
1.04
0.19
Upside Capture
87.22%
Downside Capture
106.48%

Return for Risk

Risk / Return Rank

PRAA ranks 47 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.


PRAA Risk / Return Rank: 4747
Overall Rank
PRAA Sharpe Ratio Rank: 4848
Sharpe Ratio Rank
PRAA Sortino Ratio Rank: 4646
Sortino Ratio Rank
PRAA Omega Ratio Rank: 4747
Omega Ratio Rank
PRAA Calmar Ratio Rank: 4747
Calmar Ratio Rank
PRAA Martin Ratio Rank: 4747
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for PRA Group, Inc. (PRAA) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


PRAABenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-1.89

Sortino ratioReturn per unit of downside risk

-2.13

Omega ratioGain probability vs. loss probability

1.08

1.37

-0.28

Calmar ratioReturn relative to maximum drawdown

0.19

2.78

-2.59

Martin ratioReturn relative to average drawdown

0.48

12.44

-11.96

Dividends

Dividend History


PRA Group, Inc. doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the PRA Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the PRA Group, Inc. was 83.83%, occurring on Feb 23, 2026. The portfolio has not yet recovered.

The current PRA Group, Inc. drawdown is 75.40%.


Related event

Drawdown

Fall

Recovery

Underwater

2026 bear market2026
-83.83%Feb 2026
10y 7mo
10y 11moJul 2015 - now
Financial crisis2007–2009
-69.59%Mar 2009
1y 7mo1y 1mo
2y 9moJul 2007 - Apr 2010
2011 bear market2011
-35.55%Sep 2011
4mo 23d9mo 11d
1y 1moMay 2011 - Jun 2012
2003 bear market2003
-30.26%Oct 2003
4mo 8d11mo 27d
1y 4moJun 2003 - Oct 2004
2006 bear market2006
-26.21%Aug 2006
4mo8mo 3d
12mo 3dApr 2006 - Apr 2007

Drawdown Indicators


PRAABenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-83.83%

-56.78%

-27.05%

Max Drawdown (1Y)

Largest decline over 1 year

-42.34%

-9.10%

-33.24%

Max Drawdown (3Y)

Largest decline over 3 years

-62.79%

-18.90%

-43.89%

Max Drawdown (5Y)

Largest decline over 5 years

-79.35%

-25.43%

-53.92%

Max Drawdown (10Y)

Largest decline over 10 years

-79.35%

-33.92%

-45.43%

Current Drawdown

Current decline from peak

-75.40%

-1.80%

-73.60%

Average Drawdown

Average peak-to-trough decline

-32.34%

-10.71%

-21.63%

Ulcer Index

Depth and duration of drawdowns from previous peaks

16.93%

2.03%

+14.90%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of PRA Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how PRA Group, Inc. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for PRAA relative to other companies in the Credit Services industry. Currently, PRAA has a P/S ratio of 0.5. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for PRAA in comparison with other companies in the Credit Services industry. Currently, PRAA has a P/B value of 0.6. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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