PRA Group, Inc. (PRAA)

In the past six months, PRA Group's stock price has decreased to $16.70 as of January 1st, 2026, down 5.6% from $17.69 on January 1st, 2026. In Q3 2025, PRA Group reported EPS of $0.53, surpassing estimates, but revenue fell short; the company recorded a significant goodwill impairment charge, resulting in a net loss. PRA Group's price target was decreased by 11.69% to $23.12 on November 17, 2025. PRA Group participated in investor events in November 2025. PRA Group insiders have bought more company stock than they have sold in the past three months, with purchases totaling $212,250.00. In Q1 2025, PRA Group reported diluted earnings per share of $0.09, which lagged estimates, and the stock declined 30.8% since this report.

PRA Group's business model is designed to thrive across economic cycles, as the supply of non-performing loans tends to increase when the credit cycle worsens. The company has noted that Q1 U.S. collections can be slightly below expectations due to seasonality, as a softer-than-expected tax season in the US impacted US collections in Q1 2023.

PRA Group, Inc. is a global financial and business services company specializing in the acquisition and management of non-performing loans, founded in 1996 and headquartered in Norfolk, Virginia. The company operates within the Financials sector, specifically in the Credit Services and Debt Collection and Recovery industry. PRA Group purchases portfolios of charged-off consumer debt, including credit cards, consumer loans, auto loans, overdrafts, and small business loans, from financial institutions and then engages in the collection and management of these debts. In addition to debt purchasing, PRA Group offers fee-based services such as third-party debt collection, portfolio management services, and legal collection services. The company's portfolio segments are categorized into "Core," which involves purchasing and collecting non-performing loans that originators have not pursued, and "Insolvency," which focuses on non-performing loans where the customer is involved in bankruptcy proceedings.

PRA Group, Inc. has a significant global presence, with operations spanning North America, Europe, and Australia. The company's portfolio operations extend across 18 countries, utilizing 12 languages and 12 currencies. Key expansions include entering the UK market in 2012 and the acquisition of Norway-based Aktiv Kapital in 2014, which further expanded its European and Canadian footprint.

PRA Group aims to be a trusted partner in the financial ecosystem through its commitment to ethical practices, operational efficiency, and customer-centric approaches, and highlights its community involvement through volunteer efforts and school supply drives in 2025. However, PRA Group's brand reputation has been impacted by several events in the past year and historically. In March 2023, the CFPB ordered PRA Group to pay $12 million to consumers and a $12 million fine for alleged violations, including filing lawsuits against consumers without required documentation. In 2024, PRA Group paid $5.5 million to settle a class action lawsuit alleging violations of North Carolina debt collection law. In the first 11 months of 2025, PRA Group responded less often to consumer complaints filed with the CFPB, with approximately 4.3% of complaints receiving untimely responses.

PRA Group, Inc. has a diverse ownership structure, with a significant portion held by institutional investors. Approximately 97.22% of the stock is held by institutions, while insiders hold about 2.00%. Major institutional owners include BlackRock, Inc., T. Rowe Price Investment Management, Inc., Vanguard Group Inc, Topline Capital Management, LLC, Global Alpha Capital Management Ltd., Dimensional Fund Advisors Lp and State Street Corp. Key individual insider owners include Steven D. Fredrickson, Vikram A Atal, Geir Olsen, Brett Lee Paschke and Marjorie Mary Connelly.