On the stock market since 2002, it operates in the world of money and finance. It has 2,991 employees. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
No real growth (3% a year). Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. This is the most critical line in the whole picture.
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.
There is growth, but not at top-of-the-class tempo.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
An investor who bought at the very peak is down 65% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 3 years, sales grew about 9% a year on average.
The company sells $1.2B a year; the problem isn’t sales — it’s costs running above that number.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
A loss of $305.1M against $1.2B in annual sales.
At the current pace of spending, the cash lasts less than a year. After that, the company needs to find new money.
On our five-subject report card, PRAA sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PRAA has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.
Analysts’ average target sits above today’s price, yet the valuation grade (22/100) says the stock isn’t cheap.