Portfolio Recovery Associates, Inc. (PRAA)

bpteach (57.69) Submitted: 9/29/06 9:35 PM : Start Price: $42.96 PRAA Score: 2.57

With strong/conservative management in place combined with an American public that cannot handle money should lead to strong returns for many years to come. Some positive news in the short-term may also cause a short squeeze that could give a decent...

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cheezyches (31.61) Submitted: 9/16/06 3:15 PM : Start Price: $41.20 PRAA Score: 5.52

Portfolio Recovery buys and collects on debt. It has historically been quite successful on this front, routinely collect between 1.5 and 2 (I think - number from memory), times their predicted return.

Balance sheet is strong, management appears str...

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Terch (83.43) Submitted: 10/03/06 6:36 AM : Start Price: $42.78 PRAA Score: 2.52

I dont understand the extreme amount of short interest with this stock, all I can tell is that its got a long way to go if the recent growth rates hold up, are they not going to? so far so good this year so I think they will

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derelict74 (43.32) Submitted: 12/12/06 6:11 PM : Start Price: $46.74 PRAA Score: -0.05

Strong fundamentals and proven profitability performing the job of gathering up and collecting on bad debt. Recent pressing singing high praise. Looks like the price is somewhat lagging recently, so either this is a forgotten step-child or a star s...

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SH2F088 (83.22) Submitted: 12/02/06 3:03 AM : Start Price: $44.63 PRAA Score: 3.48

Little did I know this was a HIdden Gem Rec. Silly me, I was worried no one would have pitched it yet... I found it on a PEG, FP/E, current ratio screen.

I couldn't believe the low debt, high cash production, and reasonable valuation. I like th...

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Onestroke (84.96) Submitted: 12/08/06 3:36 PM : Start Price: $46.69 PRAA Score: 0.06

This is my hedge play to make back all of the interest I've been paying on credit cards, house notes, and school loans. Did I mention I hate paying interest?

Seriously, the company looks strong and they are the best at what they do.

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dilettantedude (79.68) Submitted: 10/17/06 4:41 PM : Start Price: $42.96 PRAA Score: 5.11

PRAA recovers on distressed credit card debt. During poor economic conditions they should do well. They have incredible free cash flows and high ROICs, and sell at a discount to present value of free cash flows.

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live2ride (< 20) Submitted: 8/02/07 12:13 PM : Start Price: $50.83 PRAA Score: -3.75

Oversold after lukewarm quarter. Fundamentals are mostly positive. I feel they will correct problems in the new call center within a year.

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TopDup (72.24) Submitted: 3/19/07 1:27 PM : Start Price: $44.24 PRAA Score: 4.11

Well run company with scaleable software and systems to foster expansion and create a barrier to entry in a low entry barrier business. Their average debt since inception was purchased for 2.18 cents per dollar. With real estate stable or falling, it...

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Ganndalf (< 20) Submitted: 6/14/07 4:08 PM : Start Price: $46.22 PRAA Score: 1.49

Uggh, my least favorite industry, debt collectors. But might as well make money off 'em since they're not going away.

Up 27% since I picked 'em, but are they still a good deal?

PEG close to 1 implies they're fairly priced.

Let me take a few words...

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