PRA Group, Inc.
PRAAFinancial ServicesNASDAQCredit Services
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Daily timeframeHeadquartered within the financial services sector, PRA Group, Inc. focuses on Credit Services services and products. PRA 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,. The company carries a $691.1M market cap, placing it firmly in the small-cap category. 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
$691.1M
Beta
1.10
P/E (TTM)
—
P/E (Fwd)
6.41
EPS (TTM)
$-7.04
EPS (Fwd)
$2.83
ROE
-22.8%
ROA
5.0%
Cash
$131.3M
Total Debt
$3.81B
Free CF
-$437.3M
52W Change
16.3%
Annual Financials
Cash vs Debt
PRA Group, Inc. carries $3.81B in total debt against $131.3M in cash reserves — debt is roughly 29.0x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company is burning cash, with free cash flow at -$437.3M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at -22.8%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 5.0% is on the lower side, which is common in asset-heavy industries. 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.