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Market Price

39.78 

0.22 0.6%

as of Aug 03 '20

52 Week Range:

19.40 41.07


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 7.21
9.58
11.06
13.97
16.39
19.36
18.70
20.23
22.37
24.38
24.10
growth rate 32.9% 15.5% 26.3% 17.3% 18.1% -3.4% 8.2% 10.6% 9.0% -1.2%
Earnings BIT 72.70
120.88
167.46
207.03
283.07
342.07
409.94
219.75
213.73
185.26
247.69
growth rate 66.3% 38.5% 23.6% 36.7% 20.8% 19.8% -46.4% -2.7% -13.3% 33.7%
Avg.PE 15.65
17.30
11.55
14.45
15.34
14.17
7.99
11.30
31.02
20.67
22.49
growth rate 10.5% -33.2% 25.1% 6.2% -7.6% -43.6% 41.4% 174.5% -33.4% 8.8%
ROA 6.10
8.21
9.75
10.73
12.13
8.06
5.82
2.76
4.73
1.72
2.07
growth rate 34.6% 18.8% 10.1% 13.1% -33.6% -27.8% -52.6% 71.4% -63.6% 20.4%
ROE 14.31
17.79
18.56
19.42
22.22
19.93
19.72
10.22
16.63
6.01
7.61
growth rate 24.3% 4.3% 4.6% 14.4% -10.3% -1.1% -48.2% 62.7% -63.9% 26.6%
ROIC 8.13
10.90
13.32
16.18
15.64
10.60
8.32
5.28
8.10
4.61
4.89
growth rate 34.1% 22.2% 21.5% -3.3% -32.2% -21.5% -36.5% 53.4% -43.1% 6.1%
Cur. Ratio 1.59
1.81
2.11
23.86
33.56
17.79
13.74
13.32
14.62
17.72
18.00
growth rate 13.8% 16.6% 1,030.8% 40.7% -47.0% -22.8% -3.1% 9.8% 21.2% 1.6%
Quick Ratio 1.59
1.81
2.11
23.86
33.56
17.79
13.74
13.09
14.62
17.72
18.00
growth rate 13.8% 16.6% 1,030.8% 40.7% -47.0% -22.8% -4.7% 11.7% 21.2% 1.6%
Leverage 2.36
2.03
1.80
1.82
1.84
3.08
3.74
3.66
3.40
3.57
3.78
growth rate -14.0% -11.3% 1.1% 1.1% 67.4% 21.4% -2.1% -7.1% 5.0% 5.9%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 9.20
8.90
934.60
1,089.44
1,263.26
2,014.75
2,234.60
2,329.05
2,813.66
3,147.74
3,542.69
growth rate -3.3% 10,401.1% 16.6% 16.0% 59.5% 10.9% 4.2% 20.8% 11.9% 12.6%
Acct.Payable 42.66
47.04
279.98
4.45
4.19
2.46
4.99
6.11
4.26
growth rate 10.3% 495.2% -98.4% -5.8% -41.3% 103.0% 22.4% -30.3%
Cur.Assets 727.40
883.70
961.29
1,122.12
1,425.26
2,091.82
2,305.97
2,466.58
2,934.17
3,249.77
3,667.37
growth rate 21.5% 8.8% 16.7% 27.0% 46.8% 10.2% 7.0% 19.0% 10.8% 12.9%
Total Assets 794.40
995.90
1,071.12
1,288.96
1,601.23
2,778.75
2,990.57
3,164.00
3,700.97
3,909.56
4,423.89
growth rate 25.4% 7.6% 20.3% 24.2% 73.5% 7.6% 5.8% 17.0% 5.6% 13.2%
Cash 20.30
41.10
26.70
32.69
162.00
39.66
71.37
94.29
120.52
98.70
119.77
growth rate 102.5% -35.0% 22.4% 395.6% -75.5% 80.0% 32.1% 27.8% -18.1% 21.4%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 456.80
488.50
42.66
47.04
279.98
132.53
171.70
188.92
200.34
183.25
221.18
growth rate 6.9% -91.3% 10.3% 495.2% -52.7% 29.6% 10.0% 6.0% -8.5% 20.7%
Liabilities 459.00
505.40
457.80
559.86
731.76
1,876.54
2,150.82
2,238.39
2,550.72
2,779.26
3,196.88
growth rate 10.1% -9.4% 22.3% 30.7% 156.4% 14.6% 4.1% 14.0% 9.0% 15.0%
LT Debt 1.50
2.40
221.25
327.54
451.78
1,482.46
1,717.13
1,784.10
2,170.18
2,473.66
2,826.23
growth rate 60.0% 9,118.6% 48.0% 37.9% 228.1% 15.8% 3.9% 21.6% 14.0% 14.3%
Equity 335.50
490.50
595.49
708.43
869.48
902.22
800.49
864.30
1,090.56
1,095.12
1,169.39
growth rate 46.2% 21.4% 19.0% 22.7% 3.8% -11.3% 8.0% 26.2% 0.4% 6.8%
Common Shares 46.00
51.00
52.00
51.00
51.00
50.00
48.00
46.00
46.00
45.00
46.00
growth rate 10.9% 2.0% -1.9% 0.0% -2.0% -4.0% -4.2% 0.0% -2.2% 2.2%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 4.50
9.50
9.63
7.12
15.88
24.39
14.45
14.16
22.84
20.52
18.03
growth rate 111.1% 1.4% -26.2% 123.1% 53.6% -40.7% -2.0% 61.3% -10.2% -12.1%
Cash Dividends 0.00
0.00
2.31
0.00
2.08
0.93
0.93
0.93
1.43
growth rate -100.0% -55.0% 0.0% 0.0% 53.0%
Cash From OA 85.30
143.60
173.03
131.41
225.13
267.90
203.00
205.90
15.48
80.87
133.39
growth rate 68.4% 20.5% -24.1% 71.3% 19.0% -24.2% 1.4% -92.5% 422.6% 65.0%
FCF per Share 1.74
2.64
3.01
2.42
3.88
3.97
4.00
3.50
-0.86
0.90
1.43
growth rate 51.7% 14.0% -19.6% 60.3% 2.3% 0.8% -12.5% -100.0% 100.0% 58.9%
Sale Purchase of Stock 0.15
-22.74
-64.17
-33.16
-165.50
-44.91
-44.91
growth rate -100.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF 81.00
134.00
163.00
124.00
209.00
238.00
172.00
89.00
-22.00
60.00
115.00
growth rate 65.4% 21.6% -23.9% 68.6% 13.9% -27.7% -48.3% -100.0% 100.0% 91.7%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 281.10
372.70
458.94
592.80
735.14
880.97
942.02
930.60
828.21
908.26
1,017.08
growth rate 32.6% 23.1% 29.2% 24.0% 19.8% 6.9% -1.2% -11.0% 9.7% 12.0%
Op.Income 80.60
129.90
100.79
126.59
175.31
342.07
409.94
219.75
213.73
185.26
247.69
growth rate 61.2% -22.4% 25.6% 38.5% 95.1% 19.8% -46.4% -2.7% -13.3% 33.7%
IBT 72.70
120.90
167.46
207.03
283.07
301.01
257.52
135.63
160.27
89.50
117.36
growth rate 66.3% 38.5% 23.6% 36.7% 6.3% -14.5% -47.3% 18.2% -44.2% 31.1%
Net Income 44.30
73.50
100.79
126.59
175.31
176.51
167.93
86.26
164.32
65.56
86.16
growth rate 65.9% 37.1% 25.6% 38.5% 0.7% -4.9% -48.6% 90.5% -60.1% 31.4%
EPS 0.96
1.45
1.95
2.46
3.45
3.50
3.47
1.86
3.59
1.44
1.89
growth rate 51.0% 34.5% 26.2% 40.2% 1.5% -0.9% -46.4% 93.0% -59.9% 31.3%
Gross Profit 281.10
372.70
438.06
567.58
706.97
880.97
942.02
832.12
816.31
874.83
993.06
growth rate 32.6% 17.5% 29.6% 24.6% 24.6% 6.9% -11.7% -1.9% 7.2% 13.5%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Earnings BIT 48.85
63.37
64.69
70.78
60.54
growth rate 29.7% 2.1% 9.4% -14.5%
Balance Sheet Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Acct.Receivable 3,210.78
3,256.04
3,278.10
3,542.69
3,448.83
growth rate 1.4% 0.7% 8.1% -2.7%
Acct.Payable 5.68
3.28
3.47
4.26
4.33
growth rate -42.3% 5.8% 22.7% 1.6%
Cur.Assets 3,314.63
3,362.66
3,375.37
3,667.37
3,628.82
growth rate 1.5% 0.4% 8.7% -1.1%
Total Assets 4,106.33
4,165.41
4,118.28
4,423.89
4,350.10
growth rate 1.4% -1.1% 7.4% -1.7%
Cash 102.10
105.50
90.00
119.77
180.00
growth rate 3.3% -14.7% 33.1% 50.3%
Inventory
growth rate
Cur.Liabilities 187.78
207.65
228.39
221.18
196.97
growth rate 10.6% 10.0% -3.2% -10.9%
Liabilities 2,974.10
3,009.62
2,967.43
3,196.88
3,229.42
growth rate 1.2% -1.4% 7.7% 1.0%
LT Debt 2,586.41
2,618.38
2,567.09
2,826.23
2,828.00
growth rate 1.2% -2.0% 10.1% 0.1%
Equity 1,102.72
1,120.35
1,094.42
1,169.39
1,073.63
growth rate 1.6% -2.3% 6.9% -8.2%
Common Shares 0.45
0.45
0.45
0.45
0.46
growth rate 0.0% 0.0% 0.0% 0.2%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 4.49
1.15
9.24
3.14
growth rate -74.3% 701.7% -66.0%
Cash Dividends
growth rate
Cash From OA 14.96
15.99
39.75
62.70
growth rate 6.9% 148.6% 57.7%
Sale Purchase of Stock
growth rate
FCF 10.46
14.84
30.50
59.55
growth rate 41.8% 105.6% 95.3%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 245.88
252.06
250.01
269.13
264.60
growth rate 2.5% -0.8% 7.7% -1.7%
Op.Income 48.85
63.37
64.69
70.78
60.54
growth rate 29.7% 2.1% 9.4% -14.5%
IBT 20.78
27.28
34.21
35.09
25.54
growth rate 31.3% 25.4% 2.6% -27.2%
Net Income 15.23
18.62
24.97
27.34
19.14
growth rate 22.3% 34.1% 9.5% -30.0%
EPS
growth rate
Gross Profit 239.78
250.86
245.88
256.54
264.60
growth rate 4.6% -2.0% 4.3% 3.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (31.52)

YOY Growth Grade:

D (48.27)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 20.31 20.20 13.70
EPS / Growth -24.6% 1.97 64.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.5% 4.5%
Future PE 2.00 14.36 14.36
Future EPS 2.18 3.07 3.07
Value Price
MOS %
1.08
-97.3%
10.90
-72.6%
10.90
-72.6%
MOS Price 0.54 5.45 5.45
IRT 18.32 14.18 14.18

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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