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
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jan 28, 2026 | Citizens | Downgrade | ||
| Jan 28, 2026 | Citizens JMP | Downgrade | ||
| Nov 4, 2025 | Truist Financial | Target | Target: $28 | Target: $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.
| Institutions | ≈ 95.63% | 36.00M shares | |
|---|---|---|---|
| 201 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 3.84% | 1.44M shares | |
| 14 holders · as of Sep 17, 2026 | |||
| Other | ≈ 0.53% | 199.8K shares | |
| remainder | |||
37.65M company shares as of Sep 23, 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 | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 11.77% | 4.43M | as of Jun 30, 2026 |
Topline Capital Management, LLCInstitution | 10.21% | 3.85M | as of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 8.01% | 3.01M | as of Jun 30, 2026 |
Turtle Creek Asset Management Inc.Institution | 7.02% | 2.64M | filed Feb 14, 2022 |
BloombergSen Inc.Institution | 4.63% | 1.74M | filed Feb 14, 2019 |
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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PRA Group | $20.22 | −1.77% | $784.9M | — | 6.0 | 0.6 | +29.4% |
| Encore Capital Group | $95.18 | −3.16% | $2.11B | 7.4 | 6.8 | 1.1 | +11.3% |
| Jefferson Capital | $19.28 | −3.07% | $1.23B | 7.5 | 6.6 | 1.9 | +16.3% |
| Median | 7.5 | 6.7 | 1.5 | +13.8% |