PRAA PEER ANALYSIS

PRA Group Inc — metric-by-metric comparison with peers and the industry median

PRAAPRA Group Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

PRAAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PRAA	GSY	ISFIN	QNBFK	GARFA	VAKFA	Ind. Median
P/E	—	—	16.96	157.13	16.67●	23.40	16.27
P/B	0.70●	0.94	0.94	12.49	1.90	1.46	2.03
EV/EBITDA	7.16	6.34●	—	—	—	—	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PRAA	GSY	ISFIN	QNBFK	GARFA	VAKFA	Ind. Median
Current Ratio	2.02	—	—	—	—	—	1.20
Debt/Equity	3.2%	599.1%	0.0%●	0.0%●	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	-1.09●	5.42	—	—	—	—	2.39

Profitability
Metric	PRAA	GSY	ISFIN	QNBFK	GARFA	VAKFA	Ind. Median
Net Margin	-21.9%	-15.8%●	—	—	—	—	10.0%
ROE	-25.3%	-27.7%	6.3%	8.9%	13.5%●	7.3%	13.4%
ROA	-5.4%	-4.9%●	—	—	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	PRAA	GSY	ISFIN	QNBFK	GARFA	VAKFA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	—	—	—	19.9%
Div. Yield	—	9.4%	—	—	—	—	1.2%
Payout	—	-33.6%	—	—	—	—	16.3%

Valuation
Metric	PRAA	GDOT	NAVI	WRLD	RM	LPRO	Ind. Median
P/E	—	—	—	27.66	8.29●	—	16.27
P/B	0.70	0.82	0.34●	2.73	1.08	4.89	2.03
EV/EBITDA	7.16	-2.40●	85.28	29.72	15.53	60.92	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PRAA	GDOT	NAVI	WRLD	RM	LPRO	Ind. Median
Current Ratio	2.02	0.50	0.75	0.77	6.52●	4.44	1.20
Debt/Equity	3.2%●	60.1%	1,899.2%	188.4%	441.8%	113.0%	116.1%
NetDebt/EBITDA	-1.09	-8.34	83.76	12.08	12.32	-22.64●	2.39

Profitability
Metric	PRAA	GDOT	NAVI	WRLD	RM	LPRO	Ind. Median
Net Margin	-21.9%	-3.3%	-2.0%	5.9%	7.4%●	-5.9%	10.0%
ROE	-25.3%	-7.5%	-2.4%	8.8%	13.3%●	-6.8%	13.4%
ROA	-5.4%	-1.1%	-0.1%	3.4%●	2.5%	-2.0%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	PRAA	GDOT	NAVI	WRLD	RM	LPRO	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	-61.5%	47.8%●	—	19.9%
Div. Yield	—	—	7.3%●	—	2.8%	—	1.2%
Payout	—	—	-103.3%	—	24.1%	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.