PRA Group Inc
NASDAQ:PRAA
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PRA Group Inc
NASDAQ:PRAA
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US |
Intrinsic Value
The intrinsic value of PRA Group Inc (PRAA) under the Base Case is 43.34 USD per share.
Compared with the current market price of 20.04 USD, the stock appears
Undervalued by 54% .
The intrinsic value is calculated using the DCF method. Net margin recovers from -25% last year to 6.9% by 2031. If net margin stayed at its five-year average of -0.1%, the estimate would be about $30. The value of the years after 2031 is tied to revenue, so margins count only until then.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What PRA Group Does
PRA Group buys old debts that banks, credit card issuers, and other lenders have already written off. It then tries to collect on those accounts itself or through its service partners. The company is not a traditional lender making new loans; it makes money by purchasing debt at a steep discount and recovering more than it paid over time.
- Headquarters
- United States of America US
- Employees
- 2 615
- IPO date
- Nov 8, 2002
PRA Group has no economic moat
PRA Group Inc lacks an economic moat, leaving it vulnerable to competitive pressures and market challenges.
Read the full moat analysis
Revenue & Expenses Breakdown
PRA Group Inc
Earnings Waterfall
PRA Group Inc
The intrinsic value for PRA Group Inc (PRAA) under the Base Case is 43.34 USD.
Compared with the current market price of 20.04 USD, the stock appears Undervalued by 54% .