On the stock market since 1991, it operates in the world of money and finance. It has 972 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
No real growth (1% a year). Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly below the class average.
The price is looking for direction — no strong breakout, no collapse.
Growth: Sales growth trails the sector average.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
angles, checked one by one.
The 3 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades below its recent peak — about 9% off the top. A pullback, not a collapse.
Nothing in the current numbers stands out as a strong positive. That, by itself, is worth knowing.
Over the last 3 years, sales fell about 0% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The stock trades 27% above the average analyst price target.
On our five-subject report card, PRA sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PRA is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.