Profitability
Weight: 25%
D-
30
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -0.1%
- Operating Margin Trend +0.01 pp/yr
PRAA
PRA Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D
35
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -0.4%
- 5yr Share-Count CAGR -3.6%
Growth Quality
Weight: 10%
F
21
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -1.1%
- 5yr EPS CAGR -23.8%
- Positive-EPS Years (5) 3/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -0.23x
Balance Sheet
Weight: 30%
B
70
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 19.2%
- Interest Coverage (EBIT/Int) 0.03x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.36
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -24.1%
- New buys
- 0
- Full exits
- 0