PRA Group (PRAA)
Purchases charged-off consumer debt from banks and creditors, then collects it across multi-year cycles.
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Acquires pools of charged-off credit-card, retail, telco, auto, and utility debt from banks and other creditors at a discount, then collects across the United States and Europe through call centers, digital portals, and legal action over multi-year cycles. A standing CFPB consent judgment governs how it pursues U.S. legal collections.
Buys portfolios of defaulted consumer receivables, including credit-card, retail, telecom, auto, and utility debt, from banks and other creditors at a fraction of face value, then collects through call centers, digital portals, and legal channels over multi-year cycles.
Operates through two reportable segments, U.S. and European, with the European business built on the acquisition of Aktiv Kapital, plus a smaller presence across South America, Canada, and Australia.
Growth is tracked through Estimated Remaining Collections, the projected cash flow on owned portfolios, built on disciplined portfolio purchasing, a shift of collections work offshore, and expanding digital repayment channels.
A consent judgment with the Consumer Financial Protection Bureau, entered in 2023, restrains legal collections on older purchased debt lacking full documentation, a compliance regime that continues to govern U.S. operations.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jan 28, 2026 | Citizens | Downgrade | Market Outperform | Market Perform | ||
| Jan 28, 2026 | Citizens JMP | Downgrade | Mkt Outperform | Mkt Perform | ||
| Nov 4, 2025 | Truist Financial | Target | $28 | $26 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $132.4M · Total debt $30.7M · Total assets $5.24B · Shareholders' equity $1.05B
- Revenue
- $372.2M
- Operating income
- $153.3M
- Net income
- $57.9M
No dividends on record.
| Institutions201 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 95.63% | 36.00M shares | |
| Insiders14 holders · as of Aug 18, 2026 | 3.87% | 1.46M shares | |
| Otherremainder | ≈ 0.50% | 187.6K shares |
37.65M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 11.77% | 4.43M | 13Fas of Jun 30, 2026 |
Topline Capital Management, LLCInstitution | 10.21% | 3.85M | 13Fas of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 8.01% | 3.01M | 13Fas of Jun 30, 2026 |
Turtle Creek Asset Management Inc.Institution | 7.02% | 2.64M | 13Gfiled Feb 14, 2022 ↗ |
BloombergSen Inc.Institution | 4.63% | 1.74M | 13D/Gfiled Feb 14, 2019 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 6, 2025 | Geir Olsen | director | +15,000 | $14.15 |
- Encore Capital Group
Direct global NPL peer with matched U.S. plus Europe footprint via MCM and Cabot
- Jefferson Capital
Newly public U.S. NPL buyer with UK, Canada and Latin America operations
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PRA Group | $18.84 | +0.37% | $715.1M | — | 5.6 | 0.5 | +29.4% |
| Encore Capital Group | $97.00 | +0.39% | $2.07B | 7.3 | 6.9 | 1.1 | +11.3% |
| Jefferson Capital | $21.16 | +2.37% | $1.30B | 8.0 | 7.2 | 2.0 | +16.3% |
| Median | 7.6 | 7.1 | 1.5 | +13.8% |