Pra Group Inc. (PRAA) intrinsic value & 10-year financials
Pra Group Inc. (PRAA) has a Graham intrinsic value of $59.46 per share. At $19.39 on Oct 17, 2026, the stock trades 67% below that value. Over the last 10 fiscal years revenue grew 35.6% a year to $1.2B, with an average return on invested capital of 5.6%.
- Graham intrinsic value
- $59.46
- Share price (Oct 17, 2026)
- $19.39
- Price vs Graham value
- 67% below
- Market cap
- $759.6M
- Revenue (FY2025)
- $1.2B
- Revenue growth (10-yr CAGR)
- 35.6%
- ROIC (10-yr avg)
- 5.6%
- Free cash flow (FY2025)
- -$90.4M
PRAA 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.2B | -$305.1M | -$7.79 | -$90.4M | -2.5% | — |
| FY2024 | $1.1B | $70.6M | $1.79 | -$98.6M | 30.5% | — |
| FY2023 | $802.6M | -$83.5M | -$2.13 | -$100.4M | 12.5% | — |
| FY2022 | $966.5M | $117.1M | $2.94 | $8.3M | 29.6% | — |
| FY2021 | $14.7M | $183.2M | $4.04 | $73.7M | 2551.2% | — |
| FY2020 | $9.7M | $149.3M | $3.26 | $124.5M | 3587.4% | — |
| FY2019 | $15.8M | $86.2M | $1.89 | $115.4M | 1570.7% | — |
| FY2018 | $14.9M | $65.6M | $1.44 | $60.3M | 1242.0% | — |
| FY2017 | $24.9M | $162.3M | $3.54 | -$22.0M | 846.8% | — |
| FY2016 | $77.4M | $85.1M | $1.83 | $88.9M | 282.0% | 5.6% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
PRA GROUP INC is a consistent compounder, expanding top-line revenue at 35.6% annually over the past decade.
PRA GROUP INC has historically struggled to out-earn its cost of capital, averaging just 5.6% ROIC.
Over the decade, PRA GROUP INC shows that management has aggressively returned capital to shareholders by retiring 15.6% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, PRA GROUP INC is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $59.46 per share.