PRA Group, Inc. (PRAA) Key Metrics
PRAA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $730.0M
- Enterprise value
- $4.29B
- P/E (TTM)
- — 10-yr median 12.3
- Forward P/E
- 11.6
- PEG ratio
- 5.88
- Price / sales
- 0.5 10-yr median 1.5
- Price / book
- 0.7 10-yr median 1.2
- EV / EBITDA
- 16.4 10-yr median 22.2
- Dividend yield
- —
- Beta
- 1.13
PRAA key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPRAA valuation Price multiples at each fiscal year-end price.
Price / sales−24.0%
0.6
2025 · hover or tap a bar for each year
20162025
Price / book−2.8%
0.7
2025 · hover or tap a bar for each year
20162025
EV / EBITDA+69.7%
32.7
2025 · hover or tap a bar for each year
20162025
Free cash flow yield−1.1 pts
−13.0%
2025 · hover or tap a bar for each year
20162025
PRAA returns How much profit the business earns on the capital it uses.
Return on equity−35.0 pts
−28.9%
2025 · hover or tap a bar for each year
20162025
Return on invested capital+7.0 pts
12.7%
2025 · hover or tap a bar for each year
20162025
Return on assets−7.6 pts
−6.1%
2025 · hover or tap a bar for each year
20162025
Free cash flow margin+1.5 pts
−7.3%
2025 · hover or tap a bar for each year
20162025
Asset turnover+4.0%
0.25
2025 · hover or tap a bar for each year
20162025
PRAA per-share figures Results divided by the shares outstanding at year-end.
Revenue per share+11.4%
$31.66
2025 · hover or tap a bar for each year
20162025
Earnings per share
−$7.79
2025 · hover or tap a bar for each year
20162025
Free cash flow per share
−$2.31
2025 · hover or tap a bar for each year
20162025
Book value per share−12.9%
$25.01
2025 · hover or tap a bar for each year
20162025
Shares outstanding−0.9%
39.2M
2025 · hover or tap a bar for each year
20162025
PRAA financial health Debt, liquidity and how easily interest is covered.
Debt / equity−98.9%
0.03
2025 · hover or tap a bar for each year
20162025
Net debt−$3.3B
−$72.2M
2025 · hover or tap a bar for each year
20162025
Net debt / EBITDA−19.11
−3.80
2025 · hover or tap a bar for each year
20162025
Current ratio−87.0%
1.68
2025 · hover or tap a bar for each year
20162025
Interest coverage−56.4%
1.7
2025 · hover or tap a bar for each year
20162025
Debt / assets−99.1%
0.01
2025 · hover or tap a bar for each year
20162025
PRAA efficiency & capital use Working capital cycle and where the cash goes.
Days sales outstanding+28 days
1,302 days
2025 · hover or tap a bar for each year
20162025
Capex / revenue0.0 pts
0.4%
2025 · hover or tap a bar for each year
20162025
PRAA valuation history
Fiscal year-endToday10-year median
PRAA returns on capital
ROEROICROA
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PRAA debt vs cash
Total debtCash & short-term investments
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PRAA cash returned to shareholders
DividendsBuybacksFree cash flow
PRAA price vs earnings per share
Share price at year-endEPS (right axis)
PRAA key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $693.0M | $826.0M | $1.03B | $1.35B | $2.28B | $1.82B | $1.65B | $1.11B | $1.52B | $1.81B |
| Enterprise value | $620.7M | $4.03B | $5.26B | $4.81B | $5.96B | $5.95B | $6.13B | $4.64B | $3.67B | $3.58B |
| P/E ratio | — | 11.7 | — | 11.5 | 12.4 | 12.2 | 19.2 | 16.9 | 9.3 | 21.0 |
| Price / sales | 0.6 | 0.7 | 1.3 | 1.4 | 2.1 | 1.7 | 1.7 | 1.3 | 1.9 | 2.2 |
| Price / book | 0.7 | 0.7 | 0.9 | 1.1 | 1.7 | 1.3 | 1.3 | 1.0 | 1.3 | 2.0 |
| Price / free cash flow | — | — | — | 161.5 | 30.9 | 14.6 | 14.3 | 18.3 | — | 9.5 |
| Price / operating cash flow | — | — | — | 62.4 | 26.8 | 12.8 | 12.4 | 13.7 | 98.3 | 8.8 |
| EV / sales | 0.5 | 3.6 | 6.4 | 5.0 | 5.4 | 5.6 | 6.2 | 5.3 | 4.5 | 4.3 |
| EV / EBITDA | 32.7 | 19.3 | 501.2 | 28.2 | 22.4 | 26.3 | 22.0 | 19.9 | 17.9 | 15.1 |
| EV / free cash flow | — | — | — | 576.9 | 80.9 | 47.8 | 53.2 | 76.9 | — | 18.7 |
| Earnings yield | −44.0% | 8.5% | −8.1% | 8.7% | 8.0% | 8.2% | 5.2% | 5.9% | 10.8% | 4.8% |
| Free cash flow yield | −13.0% | −11.9% | −9.8% | 0.6% | 3.2% | 6.8% | 7.0% | 5.5% | −0.5% | 10.6% |
| Dividend yield | — | — | — | — | — | — | — | 1.3% | 0.1% | 0.1% |
| Shareholder yield (dividends + buybacks) | 2.9% | 0.3% | 0.6% | 8.3% | 8.8% | 0.2% | 0.1% | 1.5% | 3.0% | 0.2% |
| Share price at fiscal year-end | $17.69 | $20.89 | $26.20 | $33.78 | $50.21 | $39.66 | $36.30 | $24.37 | $33.20 | $39.10 |
| Per share | ||||||||||
| Revenue per share | $31.66 | $28.42 | $20.82 | $24.23 | $24.17 | $23.23 | $21.84 | $19.33 | $17.94 | $17.94 |
| Earnings per share | −$7.79 | $1.79 | −$2.13 | $2.94 | $4.04 | $3.26 | $1.89 | $1.44 | $3.59 | $1.86 |
| Operating cash flow per share | −$2.18 | −$2.39 | −$2.49 | $0.54 | $1.87 | $3.09 | $2.93 | $1.78 | $0.34 | $4.44 |
| Free cash flow per share | −$2.31 | −$2.49 | −$2.56 | $0.21 | $1.63 | $2.71 | $2.53 | $1.33 | −$0.16 | $4.13 |
| Cash per share | $2.67 | $4.09 | $4.39 | $3.77 | $1.93 | $2.37 | $2.63 | $2.17 | $2.63 | $2.03 |
| Book value per share | $25.01 | $28.70 | $29.79 | $30.78 | $29.23 | $29.95 | $26.92 | $24.75 | $24.89 | $19.77 |
| Tangible book value per share | $24.33 | $18.68 | $18.77 | $19.85 | $18.63 | $19.20 | $16.27 | $14.41 | $12.89 | $8.39 |
| Dividends per share | — | — | — | — | — | — | — | $0.32 | $0.03 | $0.02 |
| Capex per share | $0.12 | $0.10 | $0.07 | $0.33 | $0.25 | $0.38 | $0.40 | $0.45 | $0.50 | $0.31 |
| Debt per share | $0.82 | $85.05 | $112.37 | $90.62 | $83.31 | $92.43 | $100.88 | $80.02 | $49.51 | $40.10 |
| Shares outstanding | 39.2M | 39.5M | 39.2M | 39.9M | 45.3M | 45.9M | 45.6M | 45.4M | 45.8M | 46.4M |
| Change in shares outstanding | −0.9% | +0.9% | −1.8% | −12.0% | −1.2% | +0.6% | +0.4% | −0.9% | −1.2% | −4.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −28.9% | 6.1% | −7.0% | 9.2% | 13.6% | 11.5% | 7.3% | 5.8% | 16.0% | 9.8% |
| Return on invested capital (ROIC) | 12.7% | 5.6% | 1.6% | 4.5% | 5.6% | 5.0% | 4.0% | 3.9% | 7.2% | 5.7% |
| Return on assets (ROA) | −6.1% | 1.5% | −1.9% | 2.7% | 4.2% | 3.4% | 2.1% | 1.7% | 4.8% | 2.8% |
| Return on tangible assets | −6.0% | 1.6% | −2.0% | 3.1% | 4.7% | 3.8% | 2.2% | 1.9% | 5.2% | 3.3% |
| Free cash flow margin | −7.3% | −8.8% | −12.3% | 0.9% | 6.7% | 11.7% | 11.6% | 6.9% | −0.9% | 23.0% |
| Income quality (OCF / net income) | — | −1.34 | — | 0.18 | 0.46 | 0.95 | 1.55 | 1.23 | 0.09 | 2.39 |
| Financial health | ||||||||||
| Total debt | $32.2M | $3.36B | $4.40B | $3.61B | $3.78B | $4.24B | $4.60B | $3.63B | $2.27B | $1.86B |
| Cash & short-term investments | $104.4M | $161.7M | $172.0M | $150.2M | $87.6M | $108.6M | $119.8M | $98.7M | $120.5M | $94.3M |
| Net debt | −$72.2M | $3.20B | $4.23B | $3.46B | $3.69B | $4.13B | $4.48B | $3.54B | $2.15B | $1.77B |
| Debt / equity | 0.03 | 2.96 | 3.77 | 2.94 | 2.85 | 3.09 | 3.75 | 3.23 | 1.99 | 2.03 |
| Debt / assets | 0.01 | 0.68 | 0.97 | 0.87 | 0.86 | 0.95 | 1.04 | 0.93 | 0.61 | 0.59 |
| Net debt / EBITDA | −3.80 | 15.31 | 403.35 | 20.33 | 13.86 | 18.24 | 16.05 | 15.17 | 10.51 | 7.47 |
| Current ratio | 1.68 | 12.97 | 14.19 | 13.51 | 2.46 | 1.98 | 1.84 | 2.42 | 14.65 | 13.32 |
| Quick ratio | 1.68 | 12.97 | 14.27 | 0.25 | −0.00 | −0.01 | 1.84 | 2.42 | 14.65 | 12.95 |
| Interest coverage | 1.7 | 3.8 | 1.3 | 5.5 | 9.6 | 9.9 | 1.7 | 1.5 | 8.7 | 2.9 |
| Working capital | $42.4M | $3.99B | $3.58B | $3.22B | $2.11B | $1.80B | $1.67B | $1.90B | $2.73B | $2.28B |
| Invested capital | $907.6M | $4.34B | $5.40B | $4.69B | $5.01B | $5.50B | $5.71B | $4.66B | $3.29B | $2.68B |
| Tangible asset value | $1.01B | $797.2M | $807.8M | $850.8M | $844.6M | $880.5M | $741.7M | $654.3M | $590.6M | $389.3M |
| Net current asset value | −$3.96B | $584.5M | $570.3M | $588.0M | $515.6M | $565.8M | $469.6M | $460.8M | $373.9M | $219.7M |
| Graham number | — | $33.96 | — | $45.10 | $51.55 | $46.84 | $33.84 | $28.35 | $44.82 | $28.76 |
| Graham net-net per share | −$11.31 | −$11.52 | −$9.23 | $36.66 | $31.49 | $33.08 | −$9.22 | −$7.19 | −$7.19 | −$8.01 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | — | — | $14.5M | $1.4M | $934,000 |
| Share buybacks (net) | $20.0M | $2.7M | $6.2M | $111.4M | $200.9M | $3.3M | $1.6M | $2.1M | $44.9M | $2.9M |
| Dividend payout ratio | — | — | — | — | — | — | — | 22.1% | 0.9% | 1.1% |
| Dividends + buybacks / free cash flow | — | — | — | — | 272.5% | 2.7% | 1.4% | 27.5% | — | 2.0% |
| Capex / revenue | 0.4% | 0.4% | 0.4% | 1.4% | 1.0% | 1.6% | 1.8% | 2.3% | 2.8% | 1.7% |
| Capex / operating cash flow | — | — | — | 61.4% | 13.2% | 12.2% | 13.5% | 25.4% | 147.6% | 6.9% |
| Capex / depreciation | 0.46 | 0.37 | 0.16 | 0.87 | 0.73 | 0.93 | 1.03 | 1.06 | 1.16 | 0.58 |
| Stock-based compensation / revenue | 1.3% | 1.2% | 1.4% | 1.3% | 1.5% | 1.4% | 1.1% | 1.0% | 1.1% | 0.7% |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 29.2% | 28.9% | 32.8% | 27.5% | 17.0% | 20.1% | 25.3% | 23.7% | 20.4% | 21.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 1,302.0 | 1,273.9 | 1,569.0 | 1,283.3 | 1,166.9 | 1,212.7 | 1,226.8 | 1,239.2 | 1,141.9 | 1,000.9 |
| Days of inventory on hand | — | — | 1,548.7 | 3,056.2 | 3,096.2 | 1,533.4 | -0.6 | -0.4 | 36.3 | 25.4 |
| Days payables outstanding | — | — | 6.2 | 4.9 | 3.9 | 4.0 | 6.1 | 6.3 | 3.9 | 4.7 |
| Cash conversion cycle (days) | — | — | 3,111.4 | 4,334.6 | 4,259.2 | 2,742.1 | 1,220.0 | 1,232.4 | 1,174.2 | 1,021.6 |
| Receivables turnover | 0.28 | 0.29 | 0.23 | 0.28 | 0.31 | 0.30 | 0.30 | 0.29 | 0.32 | 0.36 |
| Payables turnover | — | — | 58.51 | 74.66 | 93.50 | 91.47 | 59.88 | 57.54 | 92.52 | 77.86 |
| Inventory turnover | — | — | — | 0.12 | 0.12 | 0.24 | — | — | 10.06 | 14.36 |
| Asset turnover | 0.25 | 0.24 | 0.19 | 0.23 | 0.25 | 0.24 | 0.24 | 0.23 | 0.24 | 0.27 |
| Average receivables | $4.42B | $3.92B | $3.51B | $3.40B | $3.50B | $3.54B | $3.35B | $2.98B | $2.57B | $2.28B |
| Average payables | — | — | $6.8M | $5.6M | $4.6M | $4.8M | $5.2M | $5.6M | $3.7M | $3.3M |
| Average inventory | — | — | $1.69B | $3.49B | $3.61B | $1.84B | −$551,000 | −$389,499 | $34.3M | $18.0M |
| Intangibles / total assets | 0.5% | 8.0% | 9.5% | 10.4% | 11.0% | 11.1% | 11.0% | 12.0% | 14.9% | 16.7% |
Computed from PRAA's annual financial statements (latest annual report filed March 2, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PRAA valuation and financial ratios
PRA earned a return on equity of −28.9% and a return on invested capital of 12.7% in fiscal 2025. It ended the year with $32.2 million of debt and $104.4 million in cash and short-term investments, a net cash position of $72.2 million. It returned $20.0 million to shareholders: $0 in dividends and $20.0 million in share buybacks. The share count fell 15.6% from 46.4M to 39.2M over 9 years.
See the PRAA income statement, the PRAA chart for price history, or the PRAA stock overview for the latest quote and news.
PRAA key metrics FAQ
What is PRA's EV/EBITDA?
PRA's enterprise value was 32.7 times EBITDA at the end of fiscal 2025 (enterprise value $620.7 million, EBITDA $19.0 million); the current EV/EBITDA is 16.4.
What is PRA's return on equity?
PRA's return on equity (ROE) was −28.9% in fiscal 2025: net income of -$305.1 million on average shareholders' equity of $1.1 billion.
What is PRA's ROIC?
PRA's return on invested capital was 12.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does PRA have?
PRA had total debt of $32.2 million at the end of fiscal 2025, a debt-to-equity ratio of 0.03 and more cash than debt.
Does PRA buy back its shares?
Yes. PRA spent $20.0 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.9% over the year, to 39.2M..
What is PRA's free cash flow yield?
PRA generated -$90.4 million of free cash flow in fiscal 2025, a free cash flow yield of −13.0% on its market value at year-end ($693.0 million).
What is PRA's current ratio?
PRA's current ratio was 1.68 at the end of fiscal 2025: current assets were 1.68 times current liabilities.