PRA GROUP INC (PRAA)

What PRA GROUP INC does

PRA Group is a global specialty finance company that purchases, collects, and manages nonperforming loan portfolios—primarily unsecured consumer credit accounts that banks and lenders have charged off or abandoned. The company operates primarily in the U.S. and Europe through disciplined collection strategies over extended periods, utilizing internal call centers, external vendors, and legal recovery processes to recover value. As an ancillary business, PRA also purchases and manages class action claims recoveries in the U.S.

Fundamentals

• Price$18.27 as of 2026-07-09 close
• Market cap$667M as of 2026-07-10
• 1-year return+13.5% as of 2026-07-09 close
• Net margin-22.5% as of 2026-07-10
• Gross margin+80.3% as of 2026-07-10
• ROE-26.4% as of 2026-07-10
• Debt / equity3.85 as of 2026-07-10
• Revenue growth (YoY)+10.5% as of 2026-07-10
• Revenue CAGR (3y)+7.5% SEC XBRL
• Beta1.07 as of 2026-07-10

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Key risks (from latest filing)

["Changes in economic conditions and unemployment rates significantly impact customer ability to pay and portfolio recovery rates; recessionary periods reduce collections and portfolio valuations.","Refinancing and interest rate risks on substantial debt portfolio ($3.8 billion in borrowings); rising rates increase financing costs and reduce profitability.","Regulatory changes across multiple jurisdictions (U.S., Europe, UK, Canada, Australia) affecting debt collection practices, insolvency proceedings, and capital requirements could constrain operations and increase compliance costs."]

See PRAA's biggest risks from its latest 10-Q →

Competitors & peers

• Encore Capital Group
• Oportun
• Navient
• Url Solutions (debt management)

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