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PRAA logoPRA Group, Inc.(PRAA)Earnings, Financials & Key Ratios

PRAA•NASDAQ•Banking & Credit
$21.38
$834M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutPRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.Show more
  • Net Interest Income$938M+1044.6%
  • Total Revenue$1.24B+10.4%
  • Net Income-$305M-532.2%
  • Return on Equity-27.32%-570.8%
  • Net Interest Margin18.38%+1012.7%
  • Efficiency Ratio65.23%+111.9%
  • ROA-6.08%-507.3%
  • Equity / Assets20.38%-15.8%
  • Book Value per Share26.55-12.1%
  • Tangible BV/Share25.86+28.3%
  • Debt/Equity0.03-98.9%
Technical→

PRAA Key Insights

PRA Group, Inc. (PRAA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong NIM of 18.4%
  • ✓Momentum leader: RS Rating 86 (top 14%)
  • ✓Well capitalized: 20.4% equity/assets
  • ✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

PRAA Price & Volume

PRA Group, Inc. (PRAA) stock price & volume — 10-year historical chart

Loading chart...

PRAA Growth Metrics

PRA Group, Inc. (PRAA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.79%
5 Years3.09%
3 Years8.67%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-532.21%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-536.09%

Return on Capital

10 Years7.58%
5 Years7.01%
3 Years6.29%
Last Year8.73%

PRAA Recent Earnings

PRA Group, Inc. (PRAA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Feb 26, 2026
EPS
$1.46
Est $0.50
+192.0%
Revenue
$333M
Est $289M
+15.4%
Q4 2025
Nov 3, 2025
EPS
$0.53
Est $0.50
+6.0%
Revenue
$314M
Est $289M
+8.8%
Q3 2025
Aug 4, 2025
EPS
$1.08
Est $0.62
+74.2%
Revenue
$288M
Est $298M
-3.3%
Q2 2025
May 5, 2025
EPS
$0.09
Est $0.41
-78.0%
Revenue
$272M
Est $292M
-6.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 26, 2026
$1.46vs $0.50+192.0%
$333Mvs $289M+15.4%
Q4 2025Nov 3, 2025
$0.53vs $0.50+6.0%
$314Mvs $289M+8.8%
Q3 2025Aug 4, 2025
$1.08vs $0.62+74.2%
$288Mvs $298M-3.3%
Q2 2025May 5, 2025
$0.09vs $0.41-78.0%
$272Mvs $292M-6.8%
Based on last 12 quarters of dataView full earnings history →

PRAA Peer Comparison

PRA Group, Inc. (PRAA) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ECPG logoECPGEncore Capital Group, Inc.Direct Competitor1.83B84.417.7433.89%14.57%26.29%6.93%
FCFS logoFCFSFirstCash Holdings, IncDirect Competitor9.92B224.7230.298.04%9.02%15.91%4.73%1.24
SLM logoSLMSLM CorporationProduct Competitor4.47B22.546.514.1%23.95%31.01%12.89%2.39
NAVI logoNAVINavient CorporationProduct Competitor818.65M8.71-10.75-23.74%-2.48%-2.45%53.87%19.05
OMF logoOMFOneMain Holdings, Inc.Product Competitor6.45B55.058.399.09%12.54%23.62%48.53%6.67
CACC logoCACCCredit Acceptance CorporationProduct Competitor5.48B525.6714.008.57%18.29%29.39%19.22%4.17
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor711.12M141.158.66-1.46%15.89%10.79%35.22%1.20
EFX logoEFXEquifax Inc.Supply Chain20.51B170.0231.966.92%11.12%14.19%5.53%1.07

Compare PRAA vs Peers

PRA Group, Inc. (PRAA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ECPG

Most directly comparable listed peer for PRAA.

Scale Benchmark

vs COF

Larger-name benchmark to compare PRAA against a more recognizable public peer.

Peer Set

Compare Top 5

vs ECPG, FCFS, SLM, NAVI

PRAA Income Statement

PRA Group, Inc. (PRAA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income-18.84M-121.08M-144.16M-34.48M-37.88M-49.47M-83.98M-99.3M937.93M
NII Growth %73.66%-542.63%-19.07%76.08%-9.85%-30.62%-69.76%-18.24%1044.56%
Net Interest Margin %-0.51%-3.1%-3.26%-0.77%-0.87%-1.18%-1.86%-2.01%18.38%
Interest Income5.61M3.13M01.01M1.09M2.23M-9.22M-10.57M1.19B
Interest Expense24.45M124.21M144.16M35.5M38.96M51.7M74.76M88.73M251.79M
Loan Loss Provision320.24M195.19M166.28M401.37M387.16M364.51M324.7M349.44M-241.35M
Non-Interest Income816.31M874.83M995.3M1.06B1.09B964.3M824.72M1.13B50.52M
Non-Interest Income %99.32%99.64%100%99.9%99.9%99.77%101.13%100.94%4.07%
Total Revenue
821.92M▲ 0%
877.96M▲ 6.8%
995.3M▲ 13.4%
1.07B▲ 7.0%
1.1B▲ 2.8%
966.52M▼ 11.8%
815.5M▼ 15.6%
1.12B▲ 37.8%
1.24B▲ 10.4%
Revenue Growth %-1.23%6.82%13.37%7.04%2.85%-11.79%-15.63%37.81%10.36%
Non-Interest Expense263.5M373.3M437.18M278.85M294.61M264.51M315.54M345.92M809.06M
Efficiency Ratio32.06%42.52%43.92%26.17%26.89%27.37%38.69%30.78%65.23%
Operating Income
213.73M▲ 0%
185.26M▼ 13.3%
247.69M▲ 33.7%
349.7M▲ 41.2%
375M▲ 7.2%
285.8M▼ 23.8%
100.49M▼ 64.8%
339.73M▲ 238.1%
420.74M▲ 23.8%
Operating Margin %26%21.1%24.89%32.82%34.22%29.57%12.32%30.23%33.92%
Operating Income Growth %-2.74%-13.32%33.7%41.19%7.23%-23.79%-64.84%238.07%23.84%
Pretax Income
160.27M▲ 0%
89.5M▼ 44.2%
117.36M▲ 31.1%
208.94M▲ 78.0%
250.33M▲ 19.8%
154.78M▼ 38.2%
-82.89M▼ 153.5%
109.61M▲ 232.2%
-243.24M▼ 321.9%
Pretax Margin %19.5%10.19%11.79%19.61%22.85%16.01%-10.16%9.75%-19.61%
Income Tax-10.85M13.76M19.68M41.2M54.82M36.79M-16.13M21.03M46.73M
Effective Tax Rate %-6.77%15.38%16.77%19.72%21.9%23.77%19.46%19.19%-19.21%
Net Income
164.31M▲ 0%
65.56M▼ 60.1%
86.16M▲ 31.4%
149.34M▲ 73.3%
183.16M▲ 22.6%
117.15M▼ 36.0%
-83.48M▼ 171.3%
70.6M▲ 184.6%
-305.14M▼ 532.2%
Net Margin %19.99%7.47%8.66%14.02%16.72%12.12%-10.24%6.28%-24.6%
Net Income Growth %90.5%-60.1%31.41%73.33%22.65%-36.04%-171.26%184.58%-532.21%
Net Income (Continuing)171.13M75.73M97.68M167.74M195.51M118M-66.75M88.57M-289.97M
EPS (Diluted)
3.54▲ 0%
1.44▼ 59.3%
1.89▲ 31.3%
3.26▲ 72.5%
4.04▲ 23.9%
2.94▼ 27.2%
-2.13▼ 172.4%
1.79▲ 184.0%
-7.79▼ 535.2%
EPS Growth %93.44%-59.32%31.25%72.49%23.93%-27.23%-172.45%184.04%-535.2%
EPS (Basic)3.551.451.903.284.072.96-2.131.79-7.79
Diluted Shares Outstanding45.82M45.41M45.58M45.86M45.33M39.89M39.18M39.54M39.17M

PRAA Balance Sheet

PRA Group, Inc. (PRAA) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments120.52M98.69M119.77M108.61M87.58M150.19M172M161.7M104.41M
Cash & Due from Banks120.52M98.69M119.77M108.61M87.58M83.38M112.53M105.94M104.41M
Short Term Investments0000066.81M59.47M55.76M0
Total Investments78.29M45.17M56.18M55.76M92.98M79.95M72.4M66.3M0
Investments Growth %14.22%-42.3%24.36%-0.74%66.75%-14.01%-9.44%-8.42%-100%
Long-Term Investments78.29M45.17M56.18M55.76M92.98M13.13M12.93M10.54M0
Accounts Receivables2.78B3.08B3.51B3.51B3.43B3.3B3.66B4.14B0
Goodwill & Intangibles550.09M469.64M485.29M492.99M480.26M435.92M431.56M396.36M26.87M
Goodwill526.51M464.12M480.79M492.99M480.26M435.92M431.56M396.36M26.87M
Intangible Assets23.57M5.52M4.5M000000
PP&E (Net)49.31M54.14M125.47M111.31M111.23M106.15M82.33M61.67M54.09M
Other Assets32.66M32.72M31.73M64.47M57M86.59M67.53M65.45M0
Total Current Assets2.93B3.25B3.67B3.65B3.56B3.48B3.86B4.32B104.41M
Total Non-Current Assets766.8M663.12M757.39M807.73M809.23M698.7M669.04M609.15M157.92M
Total Assets
3.7B▲ 0%
3.91B▲ 5.6%
4.42B▲ 13.2%
4.45B▲ 0.7%
4.37B▼ 1.9%
4.18B▼ 4.4%
4.53B▲ 8.4%
4.93B▲ 9.0%
5.1B▲ 3.5%
Asset Growth %16.97%5.64%13.16%0.66%-1.95%-4.36%8.37%8.97%3.49%
Return on Assets (ROA)4.79%1.72%2.07%3.36%4.15%2.74%-1.92%1.49%-6.08%
Accounts Payable4.99M6.11M4.26M5.29M3.82M7.33M6.33M00
Total Debt2.17B2.47B2.88B4.3B3.84B3.61B4.4B3.36B32.16M
Net Debt2.05B2.37B2.76B4.19B3.75B3.53B4.29B3.26B-72.25M
Long-Term Debt2.17B1.31B2.81B2.66B2.61B2.49B2.91B3.33B0
Short-Term Debt98.58M1.16B1.79B1.58B1.17B1.06B1.44B032.16M
Other Liabilities9.02M1.17B-1.76B54.99M59.35M34.35M32.64M24.48M3.98B
Total Current Liabilities200.34M1.34B1.99B265.05M275.52M257.41M271.72M333.2M62.01M
Total Non-Current Liabilities2.36B1.44B1.2B2.81B2.77B2.63B3.01B3.4B4B
Total Liabilities2.56B2.79B3.2B3.08B3.04B2.89B3.29B3.74B4.06B
Total Equity
1.14B▲ 0%
1.12B▼ 1.5%
1.23B▲ 9.2%
1.37B▲ 11.9%
1.32B▼ 3.5%
1.29B▼ 2.9%
1.24B▼ 3.7%
1.19B▼ 3.7%
1.04B▼ 12.9%
Equity Growth %24.37%-1.47%9.17%11.94%-3.54%-2.87%-3.68%-3.69%-12.87%
Equity / Assets (Capital Ratio)30.82%28.75%27.74%30.84%30.34%30.82%27.39%24.21%20.38%
Return on Equity (ROE)15.97%5.79%7.33%11.49%13.58%8.97%-6.61%5.8%-27.32%
Book Value per Share24.8924.7526.9229.9529.2332.2631.6430.1926.55
Tangible BV per Share12.8914.4116.2719.2018.6321.3320.6220.1625.86
Common Stock452K453K454K456K410K390K392K395K385K
Additional Paid-in Capital53.87M60.3M67.32M75.28M02.17M7.07M17.88M0
Retained Earnings1.21B1.28B1.36B1.51B1.55B1.57B1.49B1.56B1.26B
Accumulated OCI-178.61M-242.11M-261.02M-245.79M-266.91M-347.93M-329.9M-443.39M-287.01M
Treasury Stock000000000
Preferred Stock1.21B1.28B0000000

PRAA Cash Flow Statement

PRA Group, Inc. (PRAA) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations15.47M80.87M133.39M141.7M84.92M21.59M-97.53M-94.59M-85.54M
Operating CF Growth %-92.48%422.56%64.95%6.23%-40.07%-74.58%-551.72%3.02%9.57%
Net Income171.13M75.73M97.68M167.74M195.51M118M-66.75M88.57M-289.97M
Depreciation & Amortization19.76M19.32M17.46M18.46M15.26M15.24M18.61M10.79M10.44M
Deferred Taxes-130.14M-56.21M-37.56M-58.5M6.8M607K-35.94M-2.14M6.39M
Other Non-Cash Items-21.81M31.14M36.41M-32.91M-159.99M-123.59M-38M-226.69M192.89M
Working Capital Changes-32.14M2.36M8.68M32.52M11.41M-1.71M13.45M21.4M-21.19M
Cash from Investing-294.96M-387.25M-441.19M115M160.38M120.45M-234.86M-382.47M-55.72M
Purchase of Investments-6.69M-42.62M-83.29M-45.23M-110.92M-63M-60.06M-57.38M-57.9M
Sale/Maturity of Investments10.12M43.44M75.01M43.39M68.9M66.11M71.35M58.13M68.97M
Net Investment Activity3.44M818K-8.28M-1.84M-42.01M3.11M11.29M746K11.07M
Acquisitions93.3M4.91M-26.43M0-647K0000
Other Investing-368.86M-372.45M-388.44M134.07M214.25M130.59M-243.26M-379.17M-61.97M
Cash from Financing295.7M294.93M339.52M-252.1M-262.81M-121.34M355.3M490.84M111.75M
Dividends Paid000000000
Share Repurchases-44.91M000-200.89M-111.37M00-20M
Stock Issued000000000
Net Stock Activity-44.91M000-200.89M-111.37M00-20M
Debt Issuance (Net)1000K1000K1000K-1000K-1000K-1000K1000K1000K1000K
Other Financing-9.7M-29.19M40.27M-43.27M-8.75M-8.47M-23.07M24.98M-27.46M
Net Change in Cash
26.23M▲ 0%
-21.82M▼ 183.2%
25.11M▲ 215.1%
-2.76M▼ 111.0%
-31.98M▼ 1058.5%
-4.31M▲ 86.5%
28.93M▲ 770.7%
-6.26M▼ 121.6%
1.21M▲ 119.4%
Exchange Rate Effect10.02M-10.36M-6.61M-7.37M-14.46M-25.02M6.03M-20.03M30.72M
Cash at Beginning94.29M120.52M98.69M123.81M121.05M89.07M84.76M113.69M107.43M
Cash at End120.52M98.69M123.81M121.05M89.07M84.76M113.69M107.43M108.64M
Interest Paid79.83M97.47M119.42M117.99M112.28M116.93M138.31M224.1M259.06M
Income Taxes Paid144.34M73.48M68.98M80.86M77.82M21.86M25.54M5.22M38.53M
Free Cash Flow
-7.37M▲ 0%
60.34M▲ 919.3%
115.36M▲ 91.2%
124.47M▲ 7.9%
73.71M▼ 40.8%
8.34M▼ 88.7%
-100.42M▼ 1304.0%
-98.64M▲ 1.8%
-90.36M▲ 8.4%
FCF Growth %-103.84%919.35%91.16%7.91%-40.78%-88.68%-1303.96%1.78%8.39%

PRAA Banking Ratios

PRA Group, Inc. (PRAA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.82%15.97%5.79%7.33%11.49%13.58%8.97%-6.61%5.8%-27.32%
Return on Assets (ROA)2.8%4.79%1.72%2.07%3.36%4.15%2.74%-1.92%1.49%-6.08%
Net Interest Margin-2.26%-0.51%-3.1%-3.26%-0.77%-0.87%-1.18%-1.86%-2.01%18.38%
Efficiency Ratio42.49%32.06%42.52%43.92%26.17%26.89%27.37%38.69%30.78%65.23%
Equity / Assets28.99%30.82%28.75%27.74%30.84%30.34%30.82%27.39%24.21%20.38%
Book Value / Share19.7724.8924.7526.9229.9529.2332.2631.6430.1926.55
NII Growth-24.46%73.66%-542.63%-19.07%76.08%-9.85%-30.62%-69.76%-18.24%1044.56%

PRAA SEC Filings & Documents

PRA Group, Inc. (PRAA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Feb 26, 2026·SEC

Material company update

Nov 3, 2025·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 9, 2025·SEC

PRAA Frequently Asked Questions

PRA Group, Inc. (PRAA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

PRA Group, Inc. (PRAA) grew revenue by 10.4% over the past year. This is steady growth.

PRA Group, Inc. (PRAA) reported a net loss of $305.1M for fiscal year 2025.

Dividend & Returns

PRA Group, Inc. (PRAA) has a return on equity (ROE) of -27.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics

PRA Group, Inc. (PRAA) has a net interest margin (NIM) of 18.4%. This indicates healthy earnings from lending activities.

PRA Group, Inc. (PRAA) has an efficiency ratio of 65.2%. This is higher than peers, suggesting room for cost optimization.

Explore More PRAA

PRA Group, Inc. (PRAA) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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