US · PRAA
PRA Group, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Norfolk, VA 23502
- Website
- pragroup.com
Price · as of 2024-12-31
$22.23
Market cap 614.49M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $122.87 | +452.72% |
| Intrinsic Value(DCF) | $7.96 | -64.19% |
| Graham-Dodd Method(GD) | $27.72 | +24.7% |
| Graham Formula(GF) | $79.39 | +257.15% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $27.27 | $38.08 | $18.99 | $15.78 | $57.23 |
| 2011 | $22.66 | $41.95 | $15.83 | $20.22 | $59.54 |
| 2012 | $41.66 | $62.19 | $18.18 | $24.16 | $89.53 |
| 2013 | $55.53 | $80.49 | $19.77 | $32.60 | $108.21 |
| 2014 | $54.39 | $83.64 | $4.18 | $25.15 | $95.58 |
| 2015 | $30.13 | $80.00 | $0.00 | $23.79 | $51.73 |
| 2016 | $33.35 | $73.68 | $4.06 | $17.18 | $0.00 |
| 2017 | $39.90 | $88.85 | $12.38 | $30.34 | $25.12 |
| 2018 | $27.94 | $33.98 | $0.00 | $21.18 | $21.19 |
| 2019 | $39.04 | $72.70 | $0.23 | $24.66 | $39.77 |
| 2020 | $38.40 | $88.52 | $1.06 | $35.04 | $48.62 |
| 2021 | $43.22 | $92.33 | $1.96 | $38.30 | $44.03 |
| 2022 | $40.25 | $108.09 | $12.79 | $34.75 | $0.00 |
| 2023 | $25.80 | $256.61 | $6.97 | $8.12 | $14.47 |
| 2024 | $19.89 | $122.87 | $0.00 | $27.72 | $79.39 |
AI valuation
Our deep-learning model estimates PRA Group, Inc.'s (PRAA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $122.87
- Current price
- $22.23
- AI upside
- +452.72%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$7.96
-64.19% upside
Graham-Dodd
$27.72
+24.7% upside
Graham Formula
$79.39
+257.15% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PRAA | PRA Group, Inc. | $22.23 | 614.49M | +453% | -64% | +25% | +257% | 8.84 | 0.69 | 0.70 | 19.05 | — | 1.06 | 61.01% | 30.23% | 6.28% | 7.69% | 5.64% | 1.87% | 2.96 | 3.83 | 12.97 | 12.97 | 15.57 | -18404.00% | 3781.00% | -178.00% | -12.59% | -0.28 | -2.03% | 0.00% | 0.00% | 131.83% | 11.73 | -40.40 | 3.55 | 1.99 |
| ACIC | American Coastal Insuranc… | $11.39 | 555.44M | +870% | +21% | -65% | +181% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| FUFU | BitFuFu Inc. | $2.37 | 390.6M | +1,432% | +219,912% | +13% | +867% | 14.11 | 4.69 | 1.64 | 8.18 | 0.33 | 4.69 | 6.41% | 14.29% | 11.65% | 60.03% | 80.20% | 18.36% | 0.22 | 10.46 | 4.15 | 1.58 | -0.04 | 430000.00% | 6308.00% | 2076.00% | -31.09% | -3.44 | -327.57% | 0.00% | 0.00% | 0.00% | 11.45 | -3.20 | 1.64 | 4.86 |
| GAIN | Gladstone Investment Corp… | $13.69 | 545.16M | +98% | -58% | — | — | 7.17 | 0.94 | 5.21 | 13.92 | — | 0.94 | 68.57% | 72.67% | 72.67% | 13.17% | 7.14% | 6.72% | 0.91 | 2.31 | 3.69 | 3.69 | 6.76 | -2794.00% | -1288.00% | 3249.00% | 24.34% | 18.46 | 12.46% | 13.02% | 93.30% | 13.02% | 13.92 | 7.98 | 10.12 | 0.87 |
| GAM | General American Investor… | $61.79 | 1.45B | +15% | -68% | +85% | +2,860% | 4.49 | 0.71 | 4.38 | — | — | 0.71 | 100.00% | 97.53% | 97.53% | 16.53% | 16.51% | 16.31% | 0.00 | — | 31.80 | 31.80 | — | -3615.00% | 18065.00% | — | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.05% | 4.50 | — | 4.39 | 37.16 |
| GDOT | Green Dot Corporation | $11.56 | 642.14M | +497% | +165% | -29% | — | -14.95 | 0.46 | 0.23 | -14.93 | — | 0.84 | 33.65% | -0.10% | -1.55% | -3.08% | 0.71% | -0.52% | 0.07 | -0.30 | 0.54 | 0.38 | -19.77 | -48462.00% | 1482.00% | -6711.00% | 1.78% | 0.02 | -3.00% | 0.00% | 0.00% | 229.80% | 694.03 | -163.14 | -0.67 | 0.10 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NPB | Northpointe Bancshares, I… | $18.06 | 269.84M | +238% | +2,826% | +483% | +219% | 3.76 | 0.14 | 0.53 | -13.43 | 3.94 | 0.14 | 48.01% | 18.66% | 14.13% | 3.46% | -54.70% | 2.65% | 0.02 | 0.36 | 20.90 | 20.51 | -6.13 | 9565.00% | 773.00% | -16969.00% | 9.03% | 0.32 | -18.60% | 5.58% | 21.00% | 11.52% | -14.13 | -54.89 | -2.64 | -5.63 |
About PRA Group, Inc.
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.
- CEO
- Martin Sjolund
- Employees
- 2.99K
- Beta
- 1.29
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($7.96 ÷ $22.23) − 1 = -64.19% (DCF, example).