Lumida
/PRAA
⌘K
PRA Group Inc

PRA Group Inc

PRAA
$18.93USD+0.85%+0.16 today

MARKET CAP

712.7M

P/E (TTM)

FWD P/E

DAY RANGE

$19 – $19

52W RANGE

$10
$23

AI Summary

Stalk
Buy NowMedium

After a dramatic collapse, PRAA has stabilized into a tight consolidation with rising 9/21 EMAs now supporting price and evidence of volume contraction on pullbacks. Relative strength is recovering, and the cluster range is testing its upper boundary, reflecting an early Stage 1 base with moderate transition risk toward Stage 2. Neutral overbought/oversold conditions and shallow pullbacks into EMAs within the base provide a favorable, mean-reversion entry opportunity despite the longer-term downtrend.

  • Q2 revenue +29% YoY to $372M, net income $57.9M.
  • European ERC +7% YoY to $8.9B, underpinning ~$260M future cash.
  • Profitability pressure: net margin squeezed by elevated litigation expenses.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.1B$966.5M$802.6M$1.1B$1.2B
YoY %+2.8%-11.8%-17.0%+38.9%+7.8%
P / Sales2.1x1.4x1.3x0.7x0.6x
EV / Sales4.8x4.3x5.2x4.0x3.9x
Gross Profit, Adj.$1.1B$966.5M$802.6M$1.1B$1.2B
YoY %+2.8%-11.8%-17.0%+38.9%+7.8%
Margin %100.0%100.0%100.0%100.0%100.0%
EV / Gross Profit4.8x4.3x5.2x4.0x3.9x
EBITDA, Adj.$390.3M$301.0M$119.1M$350.5M$392.8M
YoY %+6.0%-22.9%-60.4%+194.3%+12.1%
Margin %35.6%31.1%14.8%31.5%32.7%
EV / EBITDA13.4x13.9x35.1x12.7x11.8x
EBIT$375.0M$285.8M$100.5M$339.7M$-30.3M
YoY %+7.2%-23.8%-64.8%+238.1%-108.9%
Margin %34.2%29.6%12.5%30.5%-2.5%
EV / EBIT13.9x14.6x41.6x13.1x-153.7x
Net Income$183.2M$117.1M$-83.5M$70.6M$-305.1M
YoY %+22.6%-36.0%-171.3%+184.6%-532.2%
Net Margin16.7%12.1%-10.4%6.3%-25.4%
EPS (GAAP)$4.04$2.94-$2.13$1.79-$7.79
YoY %+23.9%-27.2%-172.4%+184.0%-535.2%