- ISIN
- US69354N1063
- CUSIP
- 69354N106
- Sector
- Financial Services
- Industry
- Credit Services
- 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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -27.70% | 23.14% | 11.11% | 24.51% | -29.97% | 3.93% | -10.34% | ||||||
| 2025 | 5.84% | -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% |
| 2023 | 19.12% | 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
- R²
- 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.
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.
| PRAA | Benchmark | Difference | |
|---|---|---|---|
| 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
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 7mo | 1y 1mo | 2y 9moJul 2007 - Apr 2010 |
2011 bear market2011 | -35.55%Sep 2011 | 4mo 23d | 9mo 11d | 1y 1moMay 2011 - Jun 2012 |
2003 bear market2003 | -30.26%Oct 2003 | 4mo 8d | 11mo 27d | 1y 4moJun 2003 - Oct 2004 |
2006 bear market2006 | -26.21%Aug 2006 | 4mo | 8mo 3d | 12mo 3dApr 2006 - Apr 2007 |
Drawdown Indicators
| PRAA | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -75.40% | -1.80% | -73.60% |
Average DrawdownAverage peak-to-trough decline | -32.34% | -10.71% | -21.63% |
Ulcer IndexDepth 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.
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 | — |
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