What is the 13F Pro Quality Score for PRAA?

13F Pro ranks PRA GROUP INC (PRAA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PRAA's current score at https://13fpro.ai/research/PRAA (free sign-up required for the full ranking).

Where does 13F Pro source PRAA data?

All PRA GROUP INC fundamentals and ownership data come directly from SEC EDGAR. PRA GROUP INC files with the SEC under CIK 1185348. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PRAA in?

PRA GROUP INC (PRAA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PRAA research updated on 13F Pro?

PRAA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PRA GROUP INC(PRAA)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 1185348 PRAA stock profile & AI dashboard →

13F Pro Quality Score

29.1/100

Rank #2,421 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

31.8/100

Profitability

13.0/100

Balance Sheet

21.5/100

Earnings Quality

30.0/100

Free Cash Flow

24.3/100

Institutional Flow

26.5/100

Revenue Scale

52.6/100

Dilution Risk

49.8/100

PRAA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PRA GROUP INC (PRAA), a Financials sector company. 13F Pro's AI-powered ranking engine scores PRAA at 29.1/100 on a 32-signal composite quality model, placing it at rank #2,421 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include profitability (13.0) and balance sheet strength (21.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 49.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), PRA GROUP INC reports quarterly revenue of $314.5M, net income of $28.2M, free cash flow of $23.5M. Top institutional holders of PRAA by reported 13-F value include BlackRock,, Topline Capital Management,, Global Alpha Capital Management Ltd., based on the most recent SEC filings. PRAA trades on the Nasdaq exchange and files with the SEC under CIK 1185348. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PRAA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PRA GROUP INC directly from SEC EDGAR. PRA GROUP INC's 13F Pro composite quality score has ranged between 8 and 66 since 2021, currently 29.1 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about PRA GROUP INC

Quirks, history, and lore behind PRAA — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in Virginia.
2
The Numbers
The company has purchased hundreds of billions of dollars in face-value debt over its history, buying it for pennies on the dollar and collecting what it can.
3
The History
Founded in the late 1990s, it grew into one of the largest consumer debt buyers in the world, operating across North America and Europe.
4
The Secret
Its entire business model is buying charged-off receivables — debt that banks and lenders have already given up on — and then quietly collecting on them.
5
The Lore
Think of it as a debt recycler: it buys portfolios of bad credit-card and auto loans from major financial institutions, giving those banks a clean balance sheet in exchange for a discount.
6
The Giveaway
Its ticker spells PRAA, it calls itself a global leader in nonperforming loan portfolios, and its full name is two initials followed by the word Group.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q1 2026

$314.5M

Net Income

Q1 2026

$28.2M

Free Cash Flow

Q1 2026

$23.5M

D/E Ratio

Q1 2026

3.77

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+38.9% YoY

$1.11BFY 2024

FY21 $1.10BFY22 $966.5MFY23 $802.6MFY24 $1.11B

Net Income

+185.1% YoY

$70.6MFY 2024

FY21 $183.2MFY22 $117.1MFY23 $-83.0MFY24 $70.6M

Operating Income

+238.1% YoY

$339.7MFY 2024

FY21 $375.0MFY22 $285.8MFY23 $100.5MFY24 $339.7M

EPS (Diluted)

+184.0% YoY

$1.79FY 2024

FY21 $4.04FY22 $2.94FY23 $-2.13FY24 $1.79

Total Assets

+9.0% YoY

$4.93BFY 2024

FY21 $4.37BFY22 $4.18BFY23 $4.53BFY24 $4.93B

Total Debt

+14.1% YoY

$3.33BFY 2024

FY21 $2.61BFY22 $2.49BFY23 $2.91BFY24 $3.33B

Op. Cash Flow

+3.0% YoY

$-94.6MFY 2024

FY21 $84.9MFY22 $21.6MFY23 $-97.5MFY24 $-94.6M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$1.11B +38.9%	$802.6M -17.0%	$966.5M -11.8%	$1.10B +2.8%	$1.07B +4.8%	$1.02B
Net Income	$70.6M +185.1%	$-83.0M -170.9%	$117.1M -36.0%	$183.2M +22.6%	$149.3M +73.3%	$86.2M
Operating Income	$339.7M +238.1%	$100.5M -64.8%	$285.8M -23.8%	$375.0M +7.2%	$349.7M +41.2%	$247.7M
EPS (Diluted)	$1.79 +184.0%	$-2.13 -172.4%	$2.94 -27.2%	$4.04 +23.9%	$3.26 +72.5%	$1.89
Total Assets	$4.93B +9.0%	$4.53B +8.4%	$4.18B -4.4%	$4.37B -1.9%	$4.45B +0.7%	$4.42B
Total Debt	$3.33B +14.1%	$2.91B +16.8%	$2.49B -4.4%	$2.61B -2.0%	$2.66B -5.2%	$2.81B
Operating Cash Flow	$-94.6M +3.0%	$-97.5M -551.7%	$21.6M -74.6%	$84.9M -40.1%	$141.7M +6.2%	$133.4M

AI Insight: PRAA Financial Trends

A massive Q3 2025 net loss of $408M wiped out over $400M in equity, but Q4 2025 and Q1 2026 show an operating income recovery even as debt climbs to $3,779M.

• Revenue grew from $284M in Q2 2024 to $333M in Q4 2025, though Q1 2026 dipped to $315M.

• Operating income rebounded sharply to $126M in Q4 2025 and $103M in Q1 2026 after the Q3 2025 collapse to -$316M.

• Total debt rose steadily from $3,114M in Q2 2024 to $3,779M in Q1 2026, while equity sits at $1,002M — well below the $1,337M peak in Q2 2025.

• Operating cash flow remains negative or near zero in six of eight quarters, with Q1 2026 showing a modest improvement to $25M.

⚠ The Q3 2025 net loss of $408M devastated equity; management has not restored pre-loss equity levels, raising balance sheet fragility concerns.

⚠ Debt-to-equity ratio worsened to 3.77x in Q1 2026 versus 2.72x in Q2 2024 — monitor leverage trajectory closely.

⚠ Operating cash flow turned positive at $25M in Q1 2026 for the first time since Q4 2024 — a potential inflection worth tracking.

AI Insight: PRAA Ratio Trends

Q3 2025 one-off charge cratered TTM metrics, but Q4 2025–Q1 2026 quarterly results show operating margins recovering to 32–38% with ROIC rebounding to 8–11%.

• Operating margin recovered sharply from -101.4% in Q3 2025 to 37.7% in Q4 2025 and 32.8% in Q1 2026.

• ROIC rebounded from -27.8% in Q3 2025 to 10.7% in Q4 2025 and 8.6% in Q1 2026, above Q2–Q4 2024 levels.

• D/E ratio rose from 2.70 in Q3 2024 to 3.77 in Q4 2025 and Q1 2026, reflecting increased leverage.

• TTM NPM of -22.5% and ROE of -28.0% are heavily distorted by the Q3 2025 loss event, not reflective of run-rate profitability.

⚠ The Q3 2025 impairment or charge driving -131% NPM remains unexplained — recurrence risk warrants close monitoring.

⚠ D/E at 3.77 is the highest in the observed period; further leverage increases could pressure financial flexibility.

⚠ NPM recovery to 9.0% in Q1 2026 vs. 17.0% in Q4 2025 — whether seasonal or structural softening deserves tracking.

Get alerted when PRAA's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for PRA GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PRAA

BlackRock, Inc.
$124.1M7,088,779 sh
Topline Capital Management, LLC
$67.3M3,845,334 sh
Global Alpha Capital Management Ltd.
$33.9M1,936,760 sh
VANGUARD CAPITAL MANAGEMENT LLC
$29.0M1,654,496 sh
DIMENSIONAL FUND ADVISORS LP
$28.6M1,635,606 sh
STATE STREET CORP
$26.3M1,500,916 sh
GEODE CAPITAL MANAGEMENT, LLC
$16.6M946,530 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$14.4M822,651 sh
D. E. Shaw & Co., Inc.
$14.4M821,614 sh
ROYAL BANK OF CANADA
$14.0M798,049 sh

Fund	Value	Shares
BlackRock, Inc.	$124.1M	7,088,779
Topline Capital Management, LLC	$67.3M	3,845,334
Global Alpha Capital Management Ltd.	$33.9M	1,936,760
VANGUARD CAPITAL MANAGEMENT LLC	$29.0M	1,654,496
DIMENSIONAL FUND ADVISORS LP	$28.6M	1,635,606
STATE STREET CORP	$26.3M	1,500,916
GEODE CAPITAL MANAGEMENT, LLC	$16.6M	946,530
VANGUARD PORTFOLIO MANAGEMENT LLC	$14.4M	822,651
D. E. Shaw & Co., Inc.	$14.4M	821,614
ROYAL BANK OF CANADA	$14.0M	798,049

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put PRAA on your watchlist

Track score changes the day PRA GROUP INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is PRAA a good stock to buy?

13F Pro's AI-powered analysis of PRA GROUP INC (PRAA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PRAA are available on the PRAA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PRAA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PRAA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PRA GROUP INC's investment landscape.