$19.20

+0.04 (+0.21%)

Weekly Expected Move ±5.5%

$17 $18 $19 $20 $21

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Neutral · Power 41 · $722.8M mcap · 33M float · 1.53% daily turnover · Short 44% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $108.8M held by 167 funds, 326 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

50.2 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 44.1% · 5Y Avg: 9.7%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. PRAA shows a Weak competitive edge (50.2/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 44.1% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$26

Avg Target

$26

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 8Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$26.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-11-04	Truist Financial	Mark Hughes	$28	$26	-2	+100.6%	$12.96
2025-08-05	JMP Securities	David Scharf	$42	$24	-18	+54.2%	$15.56
2024-08-20	Truist Financial	Mark Hughes	Initiated	$28	—	+19.1%	$23.50
2023-01-13	JMP Securities	—	Initiated	$42	—	+17.6%	$35.72

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. PRAA receives an overall rating of C+. Strongest factors: D/E (4/5), P/B (4/5). Areas of concern: DCF (1/5), ROE (1/5), ROA (1/5), P/E (1/5).

Rating Change History

Date	From	To
2026-10-12	C	C+
2026-10-01	C+	C
2026-08-10	D+	C+
2026-08-07	C+	D+
2026-07-01	C	C+
2026-05-14	C+	C
2026-05-12	C	C+
2026-04-01	C+	C
2026-01-03	B+	C+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 30 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. PRAA scores highest in Earnings Quality (74/100) and lowest in Cash Flow (30/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.85

Grey Zone

Piotroski F-Score

5/9

✗ ✗ ✗ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-0.47

Possible Manipulator

Ohlson O-Score

-5.00

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

Score: 44.3/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: 0.12x

Accruals: -4.4%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. PRAA scores 2.85, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. PRAA scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. PRAA's score of -0.47 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. PRAA's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. PRAA receives an estimated rating of BB (score: 44.3/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-2.86x

PEG

0.00x

P/S

0.53x

P/B

0.70x

P/FCF

-19.22x

P/OCF

—

EV/EBITDA

3.97x

EV/Revenue

0.46x

EV/EBIT

4.25x

EV/FCF

-16.53x

Earnings Yield

-36.44%

FCF Yield

-5.20%

Shareholder Yield

4.12%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. PRAA currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

1.403

NI / EBT

Interest Burden

-1.284

EBT / EBIT

EBIT Margin

0.108

EBIT / Rev

Asset Turnover

0.256

Rev / Assets

Equity Multiplier

4.480

Assets / Equity

ROE

-22.3%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. PRAA's ROE of -22.3% is driven by financial leverage (equity multiplier: 4.48x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 1.40 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$19.20

Median 1Y

$15.56

5th Pctile

$7.20

95th Pctile

$34.03

Ann. Volatility

50.8%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Vikram A. Atal Former President and Chief Executive Officer	$950,000	$5,291,591	$7,082,591
Martin Sjolund President and Chief Executive Officer	$746,829	$3,312,393	$4,938,095
LaTisha O. Tarrant General Counsel & Chief Human Resources Officer	$525,000	$1,164,147	$2,098,147
Rakesh Sehgal & xecutive Vice President & Chief Financial Officer	$520,000	$1,164,147	$2,088,147
R. Owen James President, PRA Group Europe	$496,516	$1,158,307	$2,047,825

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

2,615

-16.1% YoY

Revenue / Employee

$474,279

Rev: $1,240,240,000

Profit / Employee

$-116,689

NI: $-305,142,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	13.6%	13.9%	12.3%	10.9%	10.7%	9.3%	1.5%	-1.8%	-5.2%	-7.0%	-1.9%	0.3%	3.7%	6.1%	6.0%	7.4%	-32.0%	-28.9%	-25.3%	-22.3%	-22.25%
ROA	4.2%	4.2%	3.9%	3.5%	3.3%	2.7%	0.4%	-0.5%	-1.4%	-1.9%	-0.5%	0.1%	0.9%	1.5%	1.5%	1.8%	-6.9%	-6.1%	-5.4%	-5.0%	-4.97%
ROIC	5.9%	5.8%	5.5%	5.1%	5.4%	4.6%	2.4%	2.2%	1.7%	1.5%	-1.1%	3.9%	5.7%	6.3%	6.1%	5.6%	-5.7%	36.6%	39.8%	44.1%	44.06%
ROCE	7.2%	7.1%	6.3%	6.2%	6.3%	5.3%	2.3%	1.4%	0.4%	-0.2%	1.9%	2.5%	3.3%	4.3%	4.2%	4.6%	-3.5%	0.2%	1.5%	2.8%	2.85%
Gross Margin	64.7%	64.7%	63.6%	64.9%	64.1%	59.7%	34.7%	57.5%	54.0%	53.6%	58.3%	62.5%	61.2%	61.8%	59.6%	60.7%	63.6%	1.9%	63.6%	1.0%	1.00%
Operating Margin	29.4%	32.0%	29.8%	32.4%	28.8%	26.6%	-21.1%	21.3%	19.7%	20.4%	25.8%	31.1%	31.7%	31.8%	27.4%	29.3%	-1.0%	1.6%	35.6%	41.2%	41.19%
Net Margin	13.1%	13.3%	16.6%	14.1%	10.1%	7.1%	-36.7%	-1.8%	-5.6%	-3.9%	1.3%	7.5%	9.6%	6.2%	1.3%	14.6%	-1.3%	15.6%	9.0%	15.6%	15.56%
EBITDA Margin	23.5%	25.7%	23.2%	27.1%	22.4%	18.3%	-31.9%	12.3%	9.3%	6.5%	13.6%	20.5%	19.8%	20.0%	15.5%	30.5%	-1.1%	66.2%	34.6%	43.2%	43.18%
FCF Margin	3.4%	6.7%	2.8%	0.6%	2.8%	0.9%	-1.5%	-2.8%	-12.0%	-12.3%	-13.8%	-12.5%	-11.4%	-8.8%	-6.9%	-5.4%	-3.2%	-7.3%	-1.0%	-2.8%	-2.78%
OCF Margin	4.4%	7.7%	4.0%	2.1%	4.3%	2.2%	-0.4%	-2.1%	-11.4%	-12.0%	-13.5%	-12.1%	-11.1%	-8.4%	-6.5%	-5.0%	-2.8%	-6.9%	-0.6%	-2.3%	-2.30%
ROE 3Y Avg	snapshot only																				-6.05%
ROE 5Y Avg	snapshot only																				-1.60%
ROA 3Y Avg	snapshot only																				-1.10%
ROIC 3Y Avg	snapshot only																				15.20%
ROIC Economic	snapshot only																				39.64%
Cash ROA	snapshot only																				-0.60%
Cash ROIC	snapshot only																				-3.33%
CROIC	snapshot only																				-4.01%
NOPAT Margin	snapshot only																				30.48%
Pretax Margin	snapshot only																				-13.85%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				14.23%
SBC / Revenue	snapshot only																				1.23%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	10.77	11.94	11.30	9.99	9.50	11.30	82.00	-41.19	-12.83	-12.32	-48.14	196.98	20.36	11.74	11.56	6.36	-1.76	-2.27	-2.40	-2.74	-2.861
P/S Ratio	1.73	1.99	1.78	1.42	1.28	1.37	1.71	1.06	0.92	1.26	1.13	0.79	0.84	0.74	0.72	0.51	0.51	0.56	0.53	0.53	0.530
P/B Ratio	1.38	1.70	1.43	1.20	1.14	1.08	1.31	0.77	0.68	0.88	0.91	0.68	0.72	0.73	0.67	0.44	0.65	0.71	0.67	0.70	0.700
P/FCF	51.26	29.67	63.37	234.07	45.82	158.66	-116.11	-37.92	-7.68	-10.24	-8.17	-6.33	-7.34	-8.40	-10.41	-9.41	-16.20	-7.67	-50.46	-19.22	-19.218
P/OCF	39.56	25.76	44.36	67.40	29.78	61.29	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	17.80	19.50	20.40	19.57	18.41	21.59	47.38	67.11	131.59	501.38	55.53	29.29	24.52	19.27	19.09	16.39	-3.25	32.69	6.79	3.97	3.966
EV/Revenue	4.96	5.41	5.23	4.87	4.53	4.94	6.14	5.67	5.92	6.45	5.86	3.82	3.84	3.59	3.63	3.53	0.45	0.50	0.45	0.46	0.459
EV/EBIT	18.87	20.52	21.61	20.80	19.62	23.19	54.52	84.52	276.78	-647.04	68.05	33.72	26.29	20.32	20.20	17.21	-3.03	72.61	7.52	4.25	4.252
EV/FCF	147.16	80.55	186.58	801.73	161.88	574.00	-415.75	-202.39	-49.18	-52.36	-42.51	-30.71	-33.54	-40.86	-52.48	-65.02	-14.15	-6.87	-43.49	-16.53	-16.530
Earnings Yield	9.3%	8.4%	8.8%	10.0%	10.5%	8.9%	1.2%	-2.4%	-7.8%	-8.1%	-2.1%	0.5%	4.9%	8.5%	8.6%	15.7%	-56.9%	-44.0%	-41.6%	-36.4%	-36.44%
FCF Yield	2.0%	3.4%	1.6%	0.4%	2.2%	0.6%	-0.9%	-2.6%	-13.0%	-9.8%	-12.2%	-15.8%	-13.6%	-11.9%	-9.6%	-10.6%	-6.2%	-13.0%	-2.0%	-5.2%	-5.20%
PEG Ratio	snapshot only																				0.005
Price/Tangible Book	snapshot only																				0.714
EV/Gross Profit	snapshot only																				0.428
Acquirers Multiple	snapshot only																				1.189
Shareholder Yield	snapshot only																				4.12%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	13.67	12.91	15.12	14.21	14.87	13.51	15.23	14.95	16.01	14.19	15.57	15.29	15.70	12.97	14.12	14.48	1.34	1.68	2.02	1.98	1.975
Quick Ratio	13.67	12.91	15.12	14.21	14.87	13.51	15.23	14.95	16.01	14.19	15.57	15.29	15.70	12.97	14.12	14.48	1.34	1.68	2.02	1.98	1.975
Debt/Equity	2.63	2.98	2.83	2.97	2.99	2.94	3.54	3.48	3.80	3.77	3.97	2.76	2.74	2.96	2.87	2.73	0.03	0.03	0.03	0.03	0.029
Net Debt/Equity	2.59	2.92	2.77	2.92	2.88	2.82	3.39	3.33	3.65	3.62	3.83	2.61	2.58	2.82	2.71	2.58	-0.08	-0.07	-0.09	-0.10	-0.097
Debt/Assets	0.84	0.88	0.87	0.88	0.87	0.87	0.90	0.94	0.98	0.97	1.00	0.68	0.68	0.68	0.68	0.67	0.01	0.01	0.01	0.01	0.006
Debt/EBITDA	11.78	12.60	13.77	14.12	13.69	16.30	35.73	56.98	115.61	419.74	46.47	24.55	20.32	16.08	16.18	14.81	-0.19	1.69	0.37	0.19	0.195
Net Debt/EBITDA	11.60	12.31	13.47	13.85	13.20	15.62	34.15	54.53	111.04	403.35	44.86	23.25	19.15	15.31	15.30	14.02	0.47	-3.80	-1.09	-0.65	-0.645
Interest Coverage	7.58	7.42	5.85	5.01	4.48	3.99	1.76	0.88	0.25	-0.11	0.72	0.78	1.02	1.27	1.59	2.39	-1.78	0.06	0.43	0.66	0.659
Equity Multiplier	3.12	3.39	3.26	3.39	3.44	3.40	3.92	3.71	3.88	3.88	3.97	4.07	4.05	4.34	4.22	4.07	5.38	5.21	5.19	5.01	5.011
Cash Ratio	snapshot only																				1.975
Debt Service Coverage	snapshot only																				0.706
Cash to Debt	snapshot only																				4.316
FCF to Debt	snapshot only																				-1.234
Defensive Interval	snapshot only																				51.6 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.26	0.25	0.25	0.24	0.24	0.23	0.20	0.20	0.20	0.19	0.20	0.22	0.23	0.24	0.24	0.23	0.24	0.25	0.25	0.26	0.256
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.33	0.32	0.31	0.31	0.31	0.29	0.27	0.25	0.25	0.23	0.26	0.27	0.28	0.29	0.29	0.27	0.58	0.60	0.60	0.60	0.598
Payables Turnover	79.89	83.10	66.64	73.15	62.06	63.97	66.75	67.62	62.68	58.51	51.47	50.69	59.81	138.55	81.47	87.74	110.49	—	—	—	—
DSO	1112	1155	1163	1167	1181	1267	1357	1432	1454	1556	1386	1340	1307	1266	1276	1339	632	609	613	611	610.5 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—
DPO	5	4	5	5	6	6	5	5	6	6	7	7	6	3	4	4	3	0	0	—	—
Cash Conversion Cycle	1107	1151	1158	1162	1175	1261	1352	1427	1448	1549	1379	1333	1300	1264	1272	1335	629	609	613	—	—
Fixed Asset Turnover	snapshot only																				27.250
Cash Velocity	snapshot only																				10.298
Capital Intensity	snapshot only																				3.841

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	6.1%	2.8%	-5.0%	-8.6%	-10.0%	-11.7%	-15.4%	-17.5%	-18.7%	-15.8%	3.0%	17.1%	28.9%	37.8%	24.6%	15.8%	11.6%	10.4%	12.7%	19.4%	19.39%
Net Income	21.6%	22.6%	-12.7%	-22.2%	-24.2%	-36.0%	-88.7%	-1.1%	-1.4%	-1.7%	-2.2%	1.2%	1.7%	1.8%	4.3%	22.2%	-8.9%	-5.3%	-5.0%	-3.9%	-3.89%
EPS	22.9%	29.4%	-2.6%	-10.2%	-11.6%	-28.9%	-88.1%	-1.2%	-1.4%	-1.7%	-2.1%	1.2%	1.7%	1.8%	4.3%	22.2%	-9.0%	-5.4%	-5.1%	-4.0%	-3.99%
FCF	-78.9%	-40.8%	-71.5%	-79.4%	-25.2%	-88.7%	-1.4%	-4.8%	-4.5%	-13.0%	-8.6%	-4.2%	-22.5%	1.8%	37.6%	49.5%	69.0%	8.4%	83.0%	38.9%	38.94%
EBITDA	29.9%	15.8%	-15.1%	-19.1%	-20.4%	-27.2%	-57.2%	-72.0%	-85.1%	-95.3%	-16.1%	80.8%	3.5%	18.9%	1.2%	91.0%	-2.0%	-90.9%	-60.4%	-35.9%	-35.87%
Op. Income	15.2%	7.2%	-15.9%	-19.6%	-19.1%	-23.8%	-46.4%	-55.0%	-63.0%	-64.8%	11.3%	71.9%	1.5%	2.4%	73.5%	40.8%	-1.2%	23.8%	31.7%	53.1%	53.08%
OCF Growth	snapshot only																				45.49%
Asset Growth	snapshot only																				-3.61%
Equity Growth	snapshot only																				-21.80%
Debt Growth	snapshot only																				-99.16%
Shares Change	snapshot only																				-3.12%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	8.8%	7.8%	5.5%	3.3%	1.7%	-0.9%	-4.1%	-6.4%	-8.1%	-8.6%	-6.1%	-4.1%	-1.9%	0.8%	2.8%	3.8%	5.4%	8.6%	13.1%	17.4%	17.43%
Revenue 5Y	4.2%	5.7%	5.2%	5.4%	5.6%	3.6%	1.3%	-0.2%	-1.2%	-1.4%	0.5%	1.3%	2.0%	2.5%	2.5%	2.1%	2.2%	3.1%	3.0%	4.1%	4.06%
EPS 3Y	9.0%	42.8%	44.8%	41.3%	28.9%	16.7%	-37.7%	—	—	—	—	-70.9%	-34.5%	-24.9%	-23.5%	-14.0%	—	—	—	—	—
EPS 5Y	4.8%	18.0%	12.9%	17.0%	22.1%	-3.5%	-30.7%	—	—	—	—	-40.1%	-7.4%	-1.1%	-1.9%	-3.8%	—	—	—	—	—
Net Income 3Y	9.1%	40.8%	40.3%	35.2%	22.5%	10.8%	-40.9%	—	—	—	—	-72.3%	-37.6%	-27.2%	-24.5%	-14.2%	—	—	—	—	—
Net Income 5Y	4.5%	16.6%	10.2%	13.7%	18.6%	-6.3%	-32.8%	—	—	—	—	-41.7%	-10.1%	-3.9%	-4.7%	-6.7%	—	—	—	—	—
EBITDA 3Y	15.0%	14.3%	15.3%	17.3%	11.8%	9.7%	-12.6%	-31.3%	-46.4%	-65.8%	-32.7%	-25.7%	-19.1%	-11.8%	-7.0%	-1.1%	—	-55.9%	-9.4%	30.4%	30.35%
EBITDA 5Y	-0.1%	4.9%	-0.2%	0.9%	2.1%	-4.1%	-12.9%	-21.2%	-29.0%	-44.8%	-11.3%	-3.9%	-1.4%	4.5%	4.6%	2.3%	—	-40.9%	-23.0%	-12.9%	-12.86%
Gross Profit 3Y	10.8%	10.3%	8.5%	6.9%	4.5%	1.4%	-5.0%	-9.4%	-13.2%	-14.9%	-10.8%	-8.0%	-5.1%	-1.5%	1.0%	1.8%	3.8%	26.2%	35.1%	46.1%	46.10%
Gross Profit 5Y	2.6%	4.7%	4.2%	4.8%	5.3%	2.5%	-1.1%	-3.1%	-4.3%	-4.9%	-0.7%	1.0%	1.9%	3.2%	3.1%	1.9%	1.9%	12.8%	12.0%	15.0%	15.00%
Op. Income 3Y	22.4%	26.5%	23.0%	18.8%	13.9%	4.9%	-11.4%	-22.7%	-29.9%	-34.0%	-20.6%	-14.7%	-8.6%	-3.2%	1.1%	2.9%	—	13.8%	36.5%	54.7%	54.75%
Op. Income 5Y	6.2%	11.4%	10.9%	12.4%	13.7%	6.3%	-3.1%	-8.2%	-11.3%	-11.5%	2.1%	5.3%	6.8%	6.5%	6.0%	2.3%	—	3.8%	2.8%	6.0%	6.02%
FCF 3Y	-9.3%	6.9%	-12.6%	-54.6%	-24.3%	-58.3%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	-25.6%	-3.9%	-23.6%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	-15.2%	1.6%	-11.8%	-35.7%	-19.7%	-45.5%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	-23.0%	-4.0%	-19.4%	27.9%	—	16.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	5.8%	3.8%	1.2%	-0.6%	-1.8%	-1.9%	1.5%	1.0%	1.0%	0.5%	1.6%	3.0%	4.4%	4.1%	6.5%	10.0%	8.7%	6.9%	4.6%	6.6%	6.63%
Assets 5Y	5.7%	6.7%	6.1%	4.0%	2.4%	2.4%	4.2%	3.7%	3.4%	3.0%	1.8%	2.3%	3.7%	2.2%	3.4%	5.3%	3.6%	2.8%	4.0%	4.2%	4.22%
Equity 3Y	8.0%	5.5%	5.8%	2.5%	1.1%	1.6%	2.6%	0.1%	-3.4%	-4.5%	-6.4%	-7.7%	-4.3%	-4.1%	-2.3%	3.5%	-6.4%	-7.2%	-4.7%	-3.6%	-3.56%
Book Value 3Y	7.8%	7.0%	9.2%	7.1%	6.4%	7.0%	8.2%	5.6%	1.9%	0.6%	-1.4%	-2.8%	0.5%	-1.1%	-0.9%	3.8%	-6.3%	-7.2%	-4.3%	-2.8%	-2.82%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.73	0.93	0.86	0.77	0.69	0.48	0.12	0.01	0.00	0.02	0.02	0.02	0.01	0.00	0.02	0.04	0.07	0.15	0.20	0.26	0.263
Earnings Stability	0.19	0.27	0.31	0.38	0.46	0.05	0.02	0.13	0.23	0.13	0.18	0.24	0.25	0.23	0.33	0.34	0.69	0.66	0.71	0.62	0.621
Margin Stability	0.93	0.94	0.94	0.95	0.96	0.95	0.94	0.94	0.92	0.91	0.93	0.93	0.92	0.91	0.95	0.94	0.92	0.73	0.74	0.69	0.689
Rev. Growth Consistency	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.91	0.91	0.95	0.91	0.90	0.86	0.50	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.50	0.20	0.20	0.20	0.20	0.200
Earnings Smoothness	0.80	0.80	0.86	0.75	0.72	0.56	0.00	—	—	—	—	—	—	—	—	0.00	—	—	—	—	—
ROE Trend	0.04	0.05	0.02	0.00	-0.00	-0.03	-0.12	-0.14	-0.18	-0.19	-0.09	-0.05	0.00	0.05	0.06	0.08	-0.36	-0.31	-0.30	-0.29	-0.290
Gross Margin Trend	0.04	0.04	0.02	0.01	0.00	-0.01	-0.07	-0.09	-0.12	-0.13	-0.05	-0.03	0.01	0.04	0.04	0.04	0.06	0.43	0.40	0.48	0.481
FCF Margin Trend	-0.09	-0.05	-0.09	-0.11	-0.07	-0.08	-0.08	-0.04	-0.15	-0.16	-0.14	-0.11	-0.07	-0.03	0.01	0.02	0.09	0.03	0.09	0.06	0.062
Sustainable Growth Rate	13.6%	13.9%	12.3%	10.9%	10.7%	9.3%	1.5%	—	—	—	—	0.3%	3.7%	6.1%	6.0%	7.4%	—	—	—	—	—
Internal Growth Rate	4.4%	4.3%	4.0%	3.6%	3.4%	2.8%	0.4%	—	—	—	—	0.1%	0.9%	1.5%	1.5%	1.8%	—	—	—	—	—

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.27	0.46	0.25	0.15	0.32	0.18	-0.17	0.80	1.59	1.17	5.76	-30.20	-2.69	-1.34	-1.05	-0.63	0.10	0.28	0.03	0.12	0.118
FCF/OCF	0.77	0.87	0.70	0.29	0.65	0.39	4.11	1.35	1.05	1.03	1.02	1.03	1.03	1.04	1.06	1.08	1.14	1.06	1.66	1.21	1.206
FCF/Net Income	snapshot only																				0.143
OCF/EBITDA	snapshot only																				-0.199
CapEx/Revenue	1.0%	1.0%	1.2%	1.5%	1.5%	1.4%	1.1%	0.7%	0.6%	0.4%	0.3%	0.4%	0.3%	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.47%
CapEx/Depreciation	snapshot only																				0.609
Accruals Ratio	0.03	0.02	0.03	0.03	0.02	0.02	0.00	-0.00	0.01	0.00	0.02	0.03	0.03	0.03	0.03	0.03	-0.06	-0.04	-0.05	-0.04	-0.044
Sloan Accruals	snapshot only																				-0.824
Cash Flow Adequacy	snapshot only																				-4.865

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Payout Ratio	41.3%	1.1%	1.5%	2.0%	1.8%	95.1%	3.4%	—	—	—	—	0.0%	0.4%	1.5%	1.5%	1.1%	—	—	—	—	—
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	3.8%	9.2%	13.4%	19.8%	18.5%	8.4%	4.1%	2.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.2%	0.1%	1.4%	3.0%	4.1%	4.12%
Net Buyback Yield	3.8%	9.2%	13.4%	19.8%	18.5%	8.4%	4.1%	2.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.2%	0.1%	1.4%	3.0%	4.1%	4.12%
Total Shareholder Return	3.8%	9.2%	13.4%	19.8%	18.5%	8.4%	4.1%	2.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.2%	0.1%	1.4%	3.0%	4.1%	4.12%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.70	0.73	0.78	0.76	0.75	0.76	0.43	2.87	1.13	1.01	-5.57	0.11	0.62	0.64	0.65	0.67	1.26	1.25	1.30	1.40	1.403
Interest Burden (EBT/EBIT)	0.87	0.87	0.83	0.80	0.78	0.75	0.43	-0.13	-2.99	10.20	0.05	0.31	0.45	0.55	0.53	0.58	1.56	-28.45	-2.80	-1.28	-1.284
EBIT Margin	0.26	0.26	0.24	0.23	0.23	0.21	0.11	0.07	0.02	-0.01	0.09	0.11	0.15	0.18	0.18	0.21	-0.15	0.01	0.06	0.11	0.108
Asset Turnover	0.26	0.25	0.25	0.24	0.24	0.23	0.20	0.20	0.20	0.19	0.20	0.22	0.23	0.24	0.24	0.23	0.24	0.25	0.25	0.26	0.256
Equity Multiplier	3.24	3.36	3.18	3.14	3.26	3.40	3.57	3.54	3.66	3.63	3.95	3.89	3.97	4.11	4.10	4.07	4.63	4.74	4.66	4.48	4.480

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.91	$4.20	$3.99	$3.64	$3.46	$2.99	$0.48	$-0.55	$-1.50	$-2.13	$-0.54	$0.10	$1.10	$1.78	$1.78	$2.32	$-8.78	$-7.79	$-7.29	$-6.92	$-6.92
Book Value/Share	$30.45	$29.53	$31.61	$30.25	$28.88	$31.34	$29.68	$29.74	$28.43	$29.74	$28.63	$28.97	$30.86	$28.60	$30.72	$33.82	$23.76	$25.01	$26.03	$27.29	$29.21
Tangible Book/Share	$19.88	$18.50	$19.91	$19.29	$18.56	$20.21	$18.90	$19.15	$17.92	$18.74	$18.19	$18.45	$20.15	$18.62	$20.12	$22.70	$23.07	$24.33	$25.33	$26.59	$26.59
Revenue/Share	$24.39	$25.18	$25.38	$25.60	$25.60	$24.73	$22.73	$21.49	$20.78	$20.78	$23.16	$24.94	$26.62	$28.32	$28.68	$28.89	$30.01	$31.66	$33.30	$35.61	$35.79
FCF/Share	$0.82	$1.69	$0.71	$0.16	$0.72	$0.21	$-0.34	$-0.60	$-2.50	$-2.56	$-3.19	$-3.11	$-3.04	$-2.49	$-1.98	$-1.57	$-0.95	$-2.31	$-0.35	$-0.99	$-0.99
OCF/Share	$1.07	$1.95	$1.02	$0.54	$1.10	$0.55	$-0.08	$-0.45	$-2.38	$-2.49	$-3.12	$-3.01	$-2.96	$-2.38	$-1.87	$-1.46	$-0.84	$-2.18	$-0.21	$-0.82	$-0.82
Cash/Share	$1.24	$2.01	$1.91	$1.70	$3.08	$3.83	$4.65	$4.44	$4.28	$4.38	$3.94	$4.22	$4.86	$4.07	$4.77	$4.97	$2.75	$2.67	$3.24	$3.46	$3.48
EBITDA/Share	$6.79	$6.99	$6.51	$6.37	$6.30	$5.66	$2.94	$1.82	$0.93	$0.27	$2.45	$3.26	$4.16	$5.27	$5.45	$6.22	$-4.16	$0.48	$2.22	$4.12	$4.12
Debt/Share	$80.07	$88.10	$89.57	$89.88	$86.30	$92.26	$105.19	$103.54	$108.06	$112.17	$113.62	$79.92	$84.61	$84.75	$88.11	$92.16	$0.80	$0.82	$0.82	$0.80	$0.80
Net Debt/Share	$78.83	$86.09	$87.65	$88.18	$83.23	$88.43	$100.54	$99.10	$103.78	$107.79	$109.69	$75.70	$79.75	$80.68	$83.34	$87.19	$-1.95	$-1.84	$-2.42	$-2.66	$-2.66

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.853
Altman Z-Prime	snapshot only																				1.289
Piotroski F-Score	7	7	5	5	4	5	3	3	1	1	3	6	5	5	5	5	5	5	5	5	5
Beneish M-Score	-2.26	-2.38	-2.27	-2.37	-2.54	-2.42	-2.04	-2.41	-2.22	-2.35	-2.34	-2.28	-2.22	-2.51	-2.21	-2.15	-0.74	-0.45	-0.26	-0.47	-0.469
Ohlson O-Score	snapshot only																				-5.004
ROIC (Greenblatt)	snapshot only																				1.27%
Net-Net WC	snapshot only																				$-104.26
EVA	snapshot only																				$321390880.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BB
Credit Score	80.72	80.88	81.44	79.64	80.44	77.31	58.09	50.82	50.88	51.57	50.89	56.51	64.30	71.33	71.46	72.49	37.85	39.96	46.00	44.32	44.316
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				-28.176
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				23
Sector Credit Rank	snapshot only																				30

PRAA NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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