How to buy PRA Group stock | 40.03

PRA Group, Inc is a credit services business based in the US. PRA Group shares (PRAA) are listed on the NASDAQ and all prices are listed in US Dollars. PRA Group employs 3,811 staff and has a trailing 12-month revenue of around USD$1 billion.

How to buy shares in PRA Group

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for PRA Group. Find the stock by name or ticker symbol: PRAA. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until PRA Group reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$40.03, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of PRA Group, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of PRA Group. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

How has coronavirus impacted PRA Group's share price?

Since the stock market crash in March caused by coronavirus, PRA Group's share price has had significant positive movement.

Its last market close was USD$40.03, which is 7.97% up on its pre-crash value of USD$36.84 and 88.64% up on the lowest point reached during the March crash when the shares fell as low as USD$21.22.

If you had bought USD$1,000 worth of PRA Group shares at the start of February 2020, those shares would have been worth USD$659.49 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$1,120.04.

PRA Group share price

Use our graph to track the performance of PRAA stocks over time.

PRA Group shares at a glance

• Key figures

Information last updated 2020-11-27.

Latest market close	USD$40.03
52-week range	USD$19.4001 - USD$47.35
50-day moving average	USD$38.5429
200-day moving average	USD$39.3319
Wall St. target price	USD$50
PE ratio	13.2219
Dividend yield	N/A (0%)
Earnings per share (TTM)	USD$3.2

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Is it a good time to buy PRA Group stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of PRA Group, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

PRA Group price performance over time

Historical closes compared with the close of $40.03 from 2020-11-16

1 week (2020-11-19)	N/A
1 month (2020-10-30)	17.29%
3 months (2020-08-26)	N/A
6 months (2020-05-26)	N/A

1 year (2019-11-26)	N/A
2 years (2018-11-26)	N/A
3 years (2017-11-26)	N/A
5 years (2015-11-26)	N/A

Is PRA Group under- or over-valued?

Valuing PRA Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of PRA Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

PRA Group's P/E ratio

PRA Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, PRA Group shares trade at around 13x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

PRA Group's PEG ratio

PRA Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 5.9555. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into PRA Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

PRA Group's EBITDA

PRA Group's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$347.9 million.

The EBITDA is a measure of a PRA Group's overall financial performance and is widely used to measure a its profitability.

PRA Group financials

Revenue TTM	USD$1 billion
Operating margin TTM	32.22%
Gross profit TTM	USD$993.1 million
Return on assets TTM	4.98%
Return on equity TTM	13.38%
Profit margin	14.28%
Book value	$27.186
Market capitalisation	USD$1.9 billion

TTM: trailing 12 months

Shorting PRA Group shares

There are currently 3.5 million PRA Group shares held short by investors – that's known as PRA Group's "short interest". This figure is 2.3% down from 3.6 million last month.

There are a few different ways that this level of interest in shorting PRA Group shares can be evaluated.

PRA Group's "short interest ratio" (SIR)

PRA Group's "short interest ratio" (SIR) is the quantity of PRA Group shares currently shorted divided by the average quantity of PRA Group shares traded daily (recently around 294865.81849025). PRA Group's SIR currently stands at 11.79. In other words for every 100,000 PRA Group shares traded daily on the market, roughly 11790 shares are currently held short.

However PRA Group's short interest can also be evaluated against the total number of PRA Group shares, or, against the total number of tradable PRA Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case PRA Group's short interest could be expressed as 0.07% of the outstanding shares (for every 100,000 PRA Group shares in existence, roughly 70 shares are currently held short) or 0.1007% of the tradable shares (for every 100,000 tradable PRA Group shares, roughly 101 shares are currently held short).

A SIR above 10% would generally be considered pretty high, pointing to a potentially pessimistic outlook for the share price and a discouraging interest in betting against PRA Group.

Find out more about how you can short PRA Group stock.

PRA Group share dividends

We're not expecting PRA Group to pay a dividend over the next 12 months.

Have PRA Group's shares ever split?

PRA Group's shares were split on a 3:1 basis on 2 August 2013. So if you had owned 1 share the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your PRA Group shares – just the quantity. However, indirectly, the new 66.7% lower share price could have impacted the market appetite for PRA Group shares which in turn could have impacted PRA Group's share price.

PRA Group share price volatility

Over the last 12 months, PRA Group's shares have ranged in value from as little as $19.4001 up to $47.35. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while PRA Group's is 1.5085. This would suggest that PRA Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

PRA Group overview

PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the acquisition of accounts that are primarily the unpaid obligations of individuals owed to credit grantors, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, telecommunication providers, retailers, utilities, automobile finance companies, student loan companies, and other debt owners. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.

Frequently asked questions

• What percentage of PRA Group is owned by insiders or institutions?

  Currently 1.63% of PRA Group shares are held by insiders and 110.028% by institutions.

• How many people work for PRA Group?

  Latest data suggests 3,811 work at PRA Group.

• When does the fiscal year end for PRA Group?

  PRA Group's fiscal year ends in December.

• Where is PRA Group based?

  PRA Group's address is: 120 Corporate Boulevard, Norfolk, VA, United States, 23502

• What is PRA Group's ISIN number?

  PRA Group's international securities identification number is: US69354N1063

• What is PRA Group's CUSIP number?

  PRA Group's Committee on Uniform Securities Identification Procedures number is: 69354N106