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PRA Group, Inc. (PRAA)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US69354N1063

CUSIP

69354N106

IPO Date

Nov 8, 2002

Highlights

Market Cap

$562.36M

EPS (TTM)

$1.83

PE Ratio

7.75

PEG Ratio

5.88

Total Revenue (TTM)

$1.14B

Gross Profit (TTM)

$843.55M

EBITDA (TTM)

$199.76M

Year Range

$12.91 - $27.54

Target Price

$25.33

Short %

2.81%

Short Ratio

1.32

Share Price Chart


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PRA Group, Inc.

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Performance

Performance Chart


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S&P 500

Returns By Period

PRA Group, Inc. (PRAA) returned -32.07% year-to-date (YTD) and -34.91% over the past 12 months. Over the past 10 years, PRAA returned -13.06% annually, underperforming the S&P 500 benchmark at 10.85%.


PRAA

YTD

-32.07%

1M

-22.46%

6M

-33.07%

1Y

-34.91%

3Y*

-27.35%

5Y*

-16.09%

10Y*

-13.06%

^GSPC (Benchmark)

YTD

0.51%

1M

6.15%

6M

-2.00%

1Y

12.92%

3Y*

12.68%

5Y*

14.19%

10Y*

10.85%

*Annualized

Monthly Returns

The table below presents the monthly returns of PRAA, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20255.84%-5.34%-1.48%-11.25%-22.46%-32.07%
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%
2020-2.59%9.79%-28.59%0.07%23.00%13.31%2.33%17.99%-14.41%-14.57%21.97%-4.73%9.26%
201921.09%9.08%-16.71%4.89%-1.81%1.92%10.63%9.67%-1.03%0.41%7.99%-0.93%48.95%
20187.68%7.13%-0.78%-6.32%8.43%-0.13%1.69%-6.76%-1.50%-14.33%-1.04%-20.15%-26.60%
20171.79%2.51%-18.75%-2.87%8.07%8.91%3.43%-26.28%-0.87%-2.62%24.73%-4.60%-15.09%
2016-14.24%-17.98%20.45%12.90%-17.09%-12.25%15.41%14.79%8.01%-7.64%12.70%8.76%12.71%
2015-14.52%1.15%8.44%0.84%3.62%9.78%1.99%-16.14%-0.69%3.55%-24.62%-16.03%-40.12%
2014-4.96%7.98%6.69%-1.23%-2.38%6.70%-0.96%-3.61%-8.09%21.10%-7.48%-1.01%9.63%
Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of PRAA is 17, meaning it’s performing worse than 83% of other stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of PRAA is 1717
Overall Rank
The Sharpe Ratio Rank of PRAA is 1717
Sharpe Ratio Rank
The Sortino Ratio Rank of PRAA is 2020
Sortino Ratio Rank
The Omega Ratio Rank of PRAA is 1919
Omega Ratio Rank
The Calmar Ratio Rank of PRAA is 2121
Calmar Ratio Rank
The Martin Ratio Rank of PRAA is 44
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for PRA Group, Inc. (PRAA) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

PRA Group, Inc. Sharpe ratios as of May 31, 2025 (values are recalculated daily):

  • 1-Year: -0.59
  • 5-Year: -0.36
  • 10-Year: -0.28
  • All Time: 0.11

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

The chart below shows the rolling Sharpe ratio of PRA Group, Inc. compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

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 80.90%, occurring on Oct 30, 2023. The portfolio has not yet recovered.

The current PRA Group, Inc. drawdown is 77.99%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-80.9%Jul 14, 20152090Oct 30, 2023
-69.59%Jul 18, 2007414Mar 9, 2009287Apr 28, 2010701
-35.55%May 2, 2011101Sep 22, 2011194Jun 29, 2012295
-30.26%Jun 18, 200391Oct 24, 2003245Oct 15, 2004336
-26.21%Apr 27, 200685Aug 25, 2006165Apr 25, 2007250
Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

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

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of PRA Group, Inc., comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 280.0% positive surprise.


-1.50-1.00-0.500.000.501.0020212022202320242025
0.09
-0.05
Actual
Estimate

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.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for PRAA, comparing it with other companies in the Credit Services industry. Currently, PRAA has a P/E ratio of 7.7. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for PRAA compared to other companies in the Credit Services industry. PRAA currently has a PEG ratio of 5.9. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.

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 is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.

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 0.5. 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