PRA Group, Inc. (PRAA)

In the past six months, PRA Group, Inc. has reported its financial results, which have influenced its stock. In Q2 2025, PRA Group's EPS beat expectations, and cash collections and portfolio income increased, leading to a stock rise. PRA Group reported its first-quarter 2025 results after market close on May 5, 2025. In Q4 and full year 2024, PRA Group achieved record portfolio purchases and total cash collections, updated its 2025 financial targets, raising its portfolio purchases target to $1.2 billion.

The provided information does not explicitly detail the demand seasonality for PRA Group, Inc.'s products and services. However, its business can be influenced by broader economic conditions and credit cycles. Factors such as rising interest rates and inflation have impacted the company's operations. The availability of nonperforming loan portfolios for purchase from financial institutions can also fluctuate, which would indirectly affect demand for PRA Group's core product.

PRA Group, Inc. is a global financial services company that specializes in the acquisition, collection, and management of nonperforming loans. The company purchases delinquent consumer debt from financial institutions at a discount and works to recover the outstanding debt. In addition to debt purchasing, PRA Group offers fee-based services, including third-party debt collection, portfolio management services, and legal collection services. PRA Group was founded in 1996 and is headquartered in Norfolk, Virginia.

PRA Group, Inc. has a significant global presence, with operations spanning more than 15 countries across North America, Europe, and Australia. Its portfolio operations are conducted in 18 countries, utilizing 12 languages and 12 currencies. The company's global headquarters are located in Norfolk, Virginia, U.S.

PRA Group's brand reputation has been influenced by its efforts in debt recovery and its commitment to customer care. The company emphasizes its mission to deliver nonperforming loan solutions through a long-term focus and customer care. However, PRA Group has faced legal and regulatory actions related to its debt collection practices, including a $24 million fine in March 2023. These past events, particularly the 2023 fine, would have negatively impacted the company's reputation.

The ownership structure of companies similar to PRA Group indicates a mix of institutional, mutual fund, public company, and individual investors. Institutional investors and mutual funds can hold significant portions of the stock.