PRA Group, Inc. cash flow to debt ratio of -265.99% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

PRA Group, Inc.'s free cash flow has increased -8.39% from $-98.64M last year to $-90.36M, signaling increasing performance

PRA Group, Inc.'s debt to equity ratio is 0.03, which means that the company's assets are healthy financed, signaling financial stability.

PRA Group, Inc.'s debt has decreased relative to shareholder equity from 2.96 last year to 0.03 today, signaling strengthened financials

PRA Group, Inc. has a net cash position, so leverage is healthy.

PRA Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

PRA Group, Inc.'s profit margin has decreased (409.28%) in the last year from 6.28% to -19.43%, signaling decreasing performance

PRA Group, Inc.'s short-term assets of $104.41M exceed its short-term liabilities of $62.01M

PRA Group, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

PRA Group, Inc.'s return on equity of -26.80%, is lower than 15.00%, indicating bad performance

PRA Group, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

PRA Group, Inc. had positive net income in 3 out of 5 years, indicating stable and consistent earnings

PRA Group, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

PRA Group, Inc. has negative free cash flow, indicating cash burn

PRA Group, Inc.'s yearly earnings has decreased 532.21% since last year from $70.60M to $-305.14M, signaling decreasing performance

PRA Group, Inc.'s yearly revenue has increased 10.36% since last year from $1.12B to $1.24B, signaling increasing performance

ROIC 221.19% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

PRA Group, Inc.'s 3-year revenue CAGR of 8.67% is positive, indicating growing revenue over the past 3 years

PRA Group, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

PRA Group, Inc. had positive ROE in 3 out of 5 years, indicating consistent and reliable returns on equity

PRA Group, Inc. has insufficient data to evaluate this check.

PRA Group, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

PRA Group, Inc. is overvalued relative to its fair value price of 5.26 based on EBITDA multiple model

PRA Group, Inc. has an EV/EBITDA ratio of 34.28x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

PRA Group, Inc. is undervalued relative to its fair value price of 124.82 based on Earnings Fair Value model

PRA Group, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

PRA Group, Inc. has a price-to-book ratio of 0.65x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

PRA Group, Inc. has a price-to-sales ratio of 0.53x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue