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 $718.1M, 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
$718.1M
Beta
1.13
P/E (TTM)
—
P/E (Fwd)
7.34
EPS (TTM)
$-6.78
EPS (Fwd)
$2.60
ROE
-20.3%
ROA
5.6%
Cash
$137.0M
Total Debt
$3.79B
Free CF
-$129.4M
52W Change
29.3%
Annual Financials
Cash vs Debt
Where PRAA stands vs its 150-day and 200-day moving averages
As of the October 19, 2026 close, PRAA finished 5.50% above its 150-day moving average ($18.38) and 11.05% above its 200-day moving average ($17.46). 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 October 19, 2026 close, PRAA's RSI(14) was 43.3, 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. Free cash flow is running at -$129.4M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at -20.2%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing PRAA's risk profile alongside its fundamentals and technical indicators provides a more complete picture.