PRAAPRA GROUP INC
Short-Term Business Credit Institutions
- Revenue
- $1.2B
- 7.8% YoY
- Operating margin
- -2.5%
- 108% YoY
- EBITDA
- −$21M
- 106% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $3.6B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear—Cash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear-23% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $15M | $967M | $803M | $1.1B | $1.2B | 7.8% |
| Operating income | $375M | $286M | $100M | $340M | −$30M | 109% |
| Net income | $183M | $117M | −$83M | $71M | −$305M | 530% |
| Operating cash flow | $85M | $22M | −$98M | −$95M | −$86M | 9.6% |
| Capex | $11M | $13M | $3M | $4M | $5M | 19% |
| Stock-based comp | $16M | $13M | $11M | $13M | $16M | 18% |
| Buybacks | $201M | $111M | $0 | $0 | $20M |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 45 | 158 |
| FY2024 | — | — | 53 | 137 |
| FY2023 | — | — | 66 | 109 |
| FY2022 | — | — | 85 | 97 |
| FY2021 | — | — | 127 | 127 |