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/company/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 →Nasdaqsmall

Institutional-grade research for retail investors

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

13F Pro Quality Score

42.3/100

Rank #2,028 of 2,962 stocks

View Financials peers →

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

Revenue Growth

76.2/100

Profitability

14.7/100

Balance Sheet

22.9/100

Earnings Quality

13.3/100

Free Cash Flow

22.4/100

Institutional Flow

10.0/100

Revenue Scale

55.5/100

Dilution Risk

49.4/100

Email me the moment this company reports earnings

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Why PRAA Scores 42/100

exact factor attribution · 2026-09-11

PRAA's composite is driven by revenue growth and scale, held back by profitability and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+7.0 pts

76th pct

Scale

+1.1 pts

56th pct

Shareholder dilution

-0.0 pts

49th pct

Earnings growth

-2.4 pts

14th pct

Institutional flow

-2.7 pts

10th pct

Capital efficiency

-3.6 pts

23th pct

Earnings quality

-3.7 pts

13th pct

Free cash flow

-4.1 pts

22th pct

Profitability

-7.1 pts

15th pct

Latest change (2026-08-07): 29 → 51 · ↑ Profit margin 13→68; ↑ Revenue growth 32→61

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in PRAA

Events flagged as statistical outliers against PRAA's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-07
PRAA quality score jumped 22 points (29→51) on a new filing
View source filing →

PRAA Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 42.3/100 on a 32-signal composite quality model, placing it at rank #2,028 of 2,962 stocks — the bottom half of the AI-ranked universe. PRAA scores in the top quartile across revenue growth (76.2). Areas of concern include institutional flow (10.0) and earnings quality (13.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 49.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), PRA GROUP INC reports quarterly revenue of $372.2M, net income of $57.9M, free cash flow of $-38.7M. Top institutional holders of PRAA by reported 13-F value include BlackRock, Topline Capital Management, T. Rowe Price Investment Management, 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 38 and 63 since 2021, currently 42.3 — a declining long-term trajectory across 68 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.

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Revenue

Q2 2026

$372.2M

Net Income

Q2 2026

$57.9M

Free Cash Flow

Q2 2026

$-38.7M

ROIC

Q2 2026

12.8%

D/E Ratio

Q2 2026

3.60

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+7.8% YoY

$1.20BFY 2025

FY22 $966.5MFY23 $802.6MFY24 $1.11BFY25 $1.20B

Net Income

-532.2% YoY

$-305.1MFY 2025

FY22 $117.1MFY23 $-83.5MFY24 $70.6MFY25 $-305.1M

Operating Income

-108.9% YoY

$-30.3MFY 2025

FY22 $285.8MFY23 $100.5MFY24 $339.7MFY25 $-30.3M

EPS (Diluted)

-535.2% YoY

$-7.79FY 2025

FY22 $2.94FY23 $-2.13FY24 $1.79FY25 $-7.79

Total Assets

+3.5% YoY

$5.10BFY 2025

FY22 $4.18BFY23 $4.53BFY24 $4.93BFY25 $5.10B

Total Debt

+11.1% YoY

$3.70BFY 2025

FY22 $2.49BFY23 $2.91BFY24 $3.33BFY25 $3.70B

Op. Cash Flow

+9.6% YoY

$-85.5MFY 2025

FY22 $21.6MFY23 $-97.5MFY24 $-94.6MFY25 $-85.5M

Free Cash Flow

+8.4% YoY

$-90.4MFY 2025

FY22 $8.3MFY23 $-100.4MFY24 $-98.6MFY25 $-90.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.20B +7.8%	$1.11B +38.9%	$802.6M -17.0%	$966.5M -11.8%	$1.10B +2.8%	$1.07B
Net Income	$-305.1M -532.2%	$70.6M +184.6%	$-83.5M -171.3%	$117.1M -36.0%	$183.2M +22.6%	$149.3M
Operating Income	$-30.3M -108.9%	$339.7M +238.1%	$100.5M -64.8%	$285.8M -23.8%	$375.0M +7.2%	$349.7M
EPS (Diluted)	$-7.79 -535.2%	$1.79 +184.0%	$-2.13 -172.4%	$2.94 -27.2%	$4.04 +23.9%	$3.26
Total Assets	$5.10B +3.5%	$4.93B +9.0%	$4.53B +8.4%	$4.18B -4.4%	$4.37B -1.9%	$4.45B
Total Debt	$3.70B +11.1%	$3.33B +14.1%	$2.91B +16.8%	$2.49B -4.4%	$2.61B -2.0%	$2.66B
Operating Cash Flow	$-85.5M +9.6%	$-94.6M +3.0%	$-97.5M -551.7%	$21.6M -74.6%	$84.9M -40.1%	$141.7M
Free Cash Flow	$-90.4M +8.4%	$-98.6M +1.8%	$-100.4M -1304.0%	$8.3M -88.7%	$73.7M -40.8%	$124.5M

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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.
$84.2M4,433,001 sh
Topline Capital Management, LLC
$73.0M3,845,334 sh
T. Rowe Price Investment Management, Inc.
$57.2M3,014,573 sh
VANGUARD CAPITAL MANAGEMENT LLC
$31.3M1,648,418 sh
Global Alpha Capital Management Ltd.
$29.9M1,574,253 sh
DIMENSIONAL FUND ADVISORS LP
$25.8M1,359,738 sh
AMERICAN CENTURY COMPANIES INC
$19.4M1,023,033 sh
GEODE CAPITAL MANAGEMENT, LLC
$19.2M1,010,193 sh
STATE STREET CORP
$18.0M946,980 sh
WELLINGTON MANAGEMENT GROUP LLP
$15.7M827,720 sh

Fund	Value	Shares
BlackRock, Inc.	$84.2M	4,433,001
Topline Capital Management, LLC	$73.0M	3,845,334
T. Rowe Price Investment Management, Inc.	$57.2M	3,014,573
VANGUARD CAPITAL MANAGEMENT LLC	$31.3M	1,648,418
Global Alpha Capital Management Ltd.	$29.9M	1,574,253
DIMENSIONAL FUND ADVISORS LP	$25.8M	1,359,738
AMERICAN CENTURY COMPANIES INC	$19.4M	1,023,033
GEODE CAPITAL MANAGEMENT, LLC	$19.2M	1,010,193
STATE STREET CORP	$18.0M	946,980
WELLINGTON MANAGEMENT GROUP LLP	$15.7M	827,720

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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. PRAA is classified as a small company.

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.