PRA Group, Inc.
PRAAFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframePRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America,. Valued at $719.5M, PRAA is a small-cap name in its sector. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed.
Market Cap
$719.5M
Beta
1.11
P/E (TTM)
—
P/E (Fwd)
7.35
EPS (TTM)
$-6.71
EPS (Fwd)
$2.60
ROE
-20.3%
ROA
5.6%
Cash
$137.0M
Total Debt
$3.79B
Free CF
-$129.4M
52W Change
13.9%
Annual Financials
Cash vs Debt
Where PRAA stands vs its 150-day and 200-day moving averages
As of the August 31, 2026 close, PRAA finished 12.46% above its 150-day moving average ($17.02) and 12.85% above its 200-day moving average ($16.96). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PRAA overbought or oversold?
At the August 31, 2026 close, PRAA's RSI(14) was 51.4, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $137.0M in cash, though total debt stands at $3.79B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. The company is burning cash, with free cash flow at -$129.4M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. ROE of -20.2% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 5.6% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $966.5M (2022) to $1.21B (2025), reflecting a 26% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PRAA.