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Market Price

38.82 

1.37 3.7%

as of Mar 08 '21

52 Week Range:

19.40 47.35


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 '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 9.58
11.06
13.97
16.39
19.36
18.70
20.23
22.37
24.38
24.10
growth rate 15.5% 26.3% 17.3% 18.1% -3.4% 8.2% 10.6% 9.0% -1.2%
Earnings BIT 120.88
167.46
207.03
283.07
342.07
409.94
219.75
213.73
185.26
247.69
349.70
growth rate 38.5% 23.6% 36.7% 20.8% 19.8% -46.4% -2.7% -13.3% 33.7% 41.2%
Avg.PE 17.30
11.55
14.45
15.34
14.17
7.99
11.30
31.02
20.67
22.49
11.31
growth rate -33.2% 25.1% 6.2% -7.6% -43.6% 41.4% 174.5% -33.4% 8.8% -49.7%
ROA 8.21
9.75
10.73
12.13
8.06
5.82
2.76
4.73
1.72
2.07
growth rate 18.8% 10.1% 13.1% -33.6% -27.8% -52.6% 71.4% -63.6% 20.4%
ROE 17.79
18.56
19.42
22.22
19.93
19.72
10.22
16.63
6.01
7.61
growth rate 4.3% 4.6% 14.4% -10.3% -1.1% -48.2% 62.7% -63.9% 26.6%
ROIC 10.90
13.32
14.26
16.53
10.76
8.45
5.41
8.34
4.73
4.05
growth rate 22.2% 7.1% 15.9% -34.9% -21.5% -36.0% 54.2% -43.3% -14.4%
Cur. Ratio 1.81
2.11
6.45
33.56
17.79
13.74
13.32
14.62
17.72
1.84
growth rate 16.6% 205.7% 420.3% -47.0% -22.8% -3.1% 9.8% 21.2% -89.6%
Quick Ratio 1.81
2.11
6.45
33.56
17.79
13.74
13.09
14.62
17.72
1.84
growth rate 16.6% 205.7% 420.3% -47.0% -22.8% -4.7% 11.7% 21.2% -89.6%
Leverage 2.03
1.80
1.82
1.84
3.08
3.74
3.66
3.40
3.57
3.78
growth rate -11.3% 1.1% 1.1% 67.4% 21.4% -2.1% -7.1% 5.0% 5.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 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
3,549.91
growth rate 10,401.1% 16.6% 16.0% 59.5% 10.9% 4.2% 20.8% 11.9% 12.6% 0.2%
Acct.Payable 42.66
47.04
279.98
4.45
4.19
2.46
4.99
6.11
4.26
5.29
growth rate 10.3% 495.2% -98.4% -5.8% -41.3% 103.0% 22.4% -30.3% 24.3%
Cur.Assets 883.70
961.29
1,122.12
1,425.26
2,091.82
2,305.97
2,466.58
2,934.17
115.50
17.92
130.54
growth rate 8.8% 16.7% 27.0% 46.8% 10.2% 7.0% 19.0% -96.1% -84.5% 628.6%
Total Assets 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
4,453.06
growth rate 7.6% 20.3% 24.2% 73.5% 7.6% 5.8% 17.0% 5.6% 13.2% 0.7%
Cash 41.10
26.70
32.69
162.00
39.66
71.37
94.29
120.52
98.70
119.77
108.61
growth rate -35.0% 22.4% 395.6% -75.5% 80.0% 32.1% 27.8% -18.1% 21.4% -9.3%
Inventory 0.00 0.00 0.00
growth rate
Cur.Liabilities 488.50
42.66
47.04
279.98
132.53
171.70
188.92
200.34
7.37
26.21
54.99
growth rate -91.3% 10.3% 495.2% -52.7% 29.6% 10.0% 6.0% -96.3% 255.6% 109.8%
Liabilities 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
3,079.54
growth rate -9.4% 22.3% 30.7% 156.4% 14.6% 4.1% 14.0% 9.0% 15.0% -3.7%
LT Debt 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
2,661.29
growth rate 9,118.6% 48.0% 37.9% 228.1% 15.8% 3.9% 21.6% 14.0% 14.3% -5.8%
Equity 490.50
595.49
708.43
869.48
902.22
800.49
864.30
1,090.56
1,095.12
1,169.39
1,341.92
growth rate 21.4% 19.0% 22.7% 3.8% -11.3% 8.0% 26.2% 0.4% 6.8% 14.8%
Common Shares 51.00
52.00
51.00
51.00
50.00
48.00
46.00
46.00
45.30
45.42
45.59
growth rate 2.0% -1.9% 0.0% -2.0% -4.0% -4.2% 0.0% -1.5% 0.3% 0.4%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 9.50
9.63
7.12
15.88
24.39
14.45
14.16
22.84
20.52
18.03
17.23
growth rate 1.4% -26.2% 123.1% 53.6% -40.7% -2.0% 61.3% -10.2% -12.1% -4.5%
Cash Dividends 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 143.60
173.03
131.41
225.13
267.90
203.00
205.90
15.48
80.87
133.39
141.70
growth rate 20.5% -24.1% 71.3% 19.0% -24.2% 1.4% -92.5% 422.6% 65.0% 6.2%
FCF per Share 2.64
3.01
2.42
3.88
3.97
4.00
3.50
-0.86
0.90
1.43
growth rate 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 134.00
163.00
124.00
209.00
238.00
172.00
89.00
-22.00
60.00
115.00
124.47
growth rate 21.6% -23.9% 68.6% 13.9% -27.7% -48.3% -100.0% 100.0% 91.7% 8.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 372.70
458.94
592.80
735.14
880.97
942.02
930.60
828.21
908.26
1,017.08
1,065.41
growth rate 23.1% 29.2% 24.0% 19.8% 6.9% -1.2% -11.0% 9.7% 12.0% 4.8%
Op.Income 129.90
100.79
126.59
175.31
342.07
409.94
219.75
213.73
185.26
247.69
349.70
growth rate -22.4% 25.6% 38.5% 95.1% 19.8% -46.4% -2.7% -13.3% 33.7% 41.2%
IBT 120.90
167.46
207.03
283.07
301.01
257.52
135.63
160.27
79.33
105.84
190.54
growth rate 38.5% 23.6% 36.7% 6.3% -14.5% -47.3% 18.2% -50.5% 33.4% 80.0%
Net Income 73.50
100.79
126.59
175.31
176.51
167.93
86.26
164.32
65.56
86.16
149.34
growth rate 37.1% 25.6% 38.5% 0.7% -4.9% -48.6% 90.5% -60.1% 31.4% 73.3%
EPS 1.45
1.95
2.46
3.45
3.50
3.47
1.86
3.59
1.44
1.89
growth rate 34.5% 26.2% 40.2% 1.5% -0.9% -46.4% 93.0% -59.9% 31.3%
Gross Profit 372.70
438.06
567.58
706.97
880.97
942.02
832.12
816.31
908.26
1,017.08
1,065.41
growth rate 17.5% 29.6% 24.6% 24.6% 6.9% -11.7% -1.9% 11.3% 12.0% 4.8%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 70.78
60.54
111.28
88.67
89.22
growth rate -14.5% 83.8% -20.3% 0.6%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 3,542.69
3,448.83
3,390.23
3,372.88
3,549.91
growth rate -2.7% -1.7% -0.5% 5.3%
Acct.Payable 4.26
4.33
4.67
4.29
5.29
growth rate 1.6% 7.8% -8.2% 23.6%
Cur.Assets 17.92
209.37
138.91
120.33
130.54
growth rate 1,068.5% -33.7% -13.4% 8.5%
Total Assets 4,423.89
4,350.10
4,197.82
4,197.25
4,453.06
growth rate -1.7% -3.5% 0.0% 6.1%
Cash 119.77
180.00
115.74
92.78
108.61
growth rate 50.3% -35.7% -19.8% 17.1%
Inventory
growth rate
Cur.Liabilities 26.21
63.50
71.04
71.60
54.99
growth rate 142.3% 11.9% 0.8% -23.2%
Liabilities 3,196.88
3,229.42
3,002.96
2,925.08
3,079.54
growth rate 1.0% -7.0% -2.6% 5.3%
LT Debt 2,826.23
2,871.68
2,628.35
2,571.00
2,661.29
growth rate 1.6% -8.5% -2.2% 3.5%
Equity 1,169.39
1,073.63
1,162.99
1,239.10
1,341.92
growth rate -8.2% 8.3% 6.5% 8.3%
Common Shares 45.42
45.54
45.58
45.58
45.59
growth rate 0.3% 0.1% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 3.14
7.64
2.96
2.31
4.32
growth rate 143.1% -61.3% -21.9% 87.3%
Cash Dividends
growth rate
Cash From OA 62.70
46.81
75.69
8.86
10.35
growth rate -25.3% 61.7% -88.3% 16.8%
Sale Purchase of Stock
growth rate
FCF 59.55
39.17
72.74
6.55
6.02
growth rate -34.2% 85.7% -91.0% -8.1%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 269.13
251.78
271.91
267.86
273.86
growth rate -6.5% 8.0% -1.5% 2.2%
Op.Income 70.78
60.54
111.28
88.67
89.22
growth rate -14.5% 83.8% -20.3% 0.6%
IBT 31.41
22.24
72.05
49.99
46.27
growth rate -29.2% 224.0% -30.6% -7.5%
Net Income 27.34
19.14
57.91
42.49
29.80
growth rate -30.0% 202.7% -26.6% -29.9%
EPS
growth rate
Gross Profit 269.13
251.78
271.91
267.86
273.86
growth rate -6.5% 8.0% -1.5% 2.2%
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:

D (34.68)

YOY Growth Grade:

D (47.15)

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 11.49 11.91 11.31
EPS / Growth -24.6% 3.26 36.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 9.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 5.3% 5.3%
Future PE 2.00 11.16 11.16
Future EPS 3.60 5.48 5.48
Value Price
MOS %
1.78
-95.4%
15.13
-61.0%
15.13
-61.0%
MOS Price 0.89 7.57 7.57
IRT 11.20 9.08 9.08

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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