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

PRAA•NASDAQ•Banking & Credit
Price updated Jun 19, 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%

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%
  • ✓Well capitalized: 20.4% equity/assets
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Trading more than 30% below 52-week high

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

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PRAA Price & Volume

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

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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-496.4%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-499.51%

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 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.73+43.1%
$0.51
Rev
$315M+6.3%
$296M
Q1 2026
Feb 26, 2026
Metric
Actual
Est
EPS
$1.46+192.0%
$0.50
Rev
$333M+15.4%
$289M
Q4 2025
Nov 3, 2025
Metric
Actual
Est
EPS
$0.53+6.0%
$0.50
Rev
$314M+8.8%
$289M
Q3 2025
Aug 4, 2025
Metric
Actual
Est
EPS
$1.08+74.2%
$0.62
Rev
$288M-3.3%
$298M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.73vs $0.51+43.1%
$315Mvs $296M+6.3%
Q1 2026Feb 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%
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ECPG logoECPGEncore Capital Group, Inc.Direct Competitor1.78B83.057.6133.89%16.02%30.7%4.23
FCFS logoFCFSFirstCash Holdings, IncDirect Competitor10.02B227.0530.608.04%9.14%15.91%1.24
SLM logoSLMSLM CorporationProduct Competitor4.56B23.036.664.1%33.13%31.01%2.39
NAVI logoNAVINavient CorporationProduct Competitor760.37M8.09-9.99-23.74%-1.96%-2.45%19.05
OMF logoOMFOneMain Holdings, Inc.Product Competitor6.82B58.188.879.09%16.12%23.62%6.67
CACC logoCACCCredit Acceptance CorporationProduct Competitor6.04B579.7315.448.57%19.61%29.39%4.17
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor896.53M177.9510.92-1.46%7.46%10.79%1.20
EFX logoEFXEquifax Inc.Supply Chain18.57B153.9328.936.92%11.12%14.19%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-18.84M-121.08M-144.16M-34.48M-37.88M-49.47M-83.98M-99.3M937.93M135.74M
NII Growth %
73.66%-542.63%-19.07%76.08%-9.85%-30.62%-69.76%-18.24%1044.56%1017%
Net Interest Margin %
-0.51%-3.1%-3.26%-0.77%-0.87%-1.18%-1.86%-2.01%18.38%2.61%
Interest Income
5.61M3.13M01.01M1.09M2.23M-9.22M-10.57M1.19B316.35M
Interest Expense
24.45M124.21M144.16M35.5M38.96M51.7M74.76M88.73M251.79M180.6M
Loan Loss Provision
320.24M195.19M166.28M401.37M387.16M364.51M324.7M349.44M-241.35M-165.66M
Non-Interest Income
816.31M874.83M995.3M1.06B1.09B964.3M824.72M1.13B50.52M966.05M
Non-Interest Income %
99.32%99.64%100%99.9%99.9%99.77%101.13%100.94%4.07%75.33%
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%
1.28B▲ 0%
Revenue Growth %
-1.23%6.82%13.37%7.04%2.85%-11.79%-15.63%37.81%10.36%50.47%
Non-Interest Expense
263.5M373.3M437.18M278.85M294.61M264.51M315.54M345.92M809.06M809.34M
Efficiency Ratio
32.06%42.52%43.92%26.17%26.89%27.37%38.69%30.78%65.23%63.11%
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%
458.11M▲ 0%
Operating Margin %
26%21.1%24.89%32.82%34.22%29.57%12.32%30.23%33.92%35.72%
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%
-216.08M▲ 0%
Pretax Margin %
19.5%10.19%11.79%19.61%22.85%16.01%-10.16%9.75%-19.61%-16.85%
Income Tax
-10.85M13.76M19.68M41.2M54.82M36.79M-16.13M21.03M46.73M51.19M
Effective Tax Rate %
-6.77%15.38%16.77%19.72%21.9%23.77%19.46%19.19%-19.21%-23.69%
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%
-280.59M▲ 0%
Net Margin %
19.99%7.47%8.66%14.02%16.72%12.12%-10.24%6.28%-24.6%-21.88%
Net Income Growth %
90.5%-60.1%31.41%73.33%22.65%-36.04%-171.26%184.58%-532.21%-496.4%
Net Income (Continuing)
171.13M75.73M97.68M167.74M195.51M118M-66.75M88.57M-289.97M-267.27M
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%
-7.29▲ 0%
EPS Growth %
93.44%-59.32%31.25%72.49%23.93%-27.23%-172.45%184.04%-535.2%-499.51%
EPS (Basic)
3.551.451.903.284.072.96-2.131.79-7.79-
Diluted Shares Outstanding
45.82M45.41M45.58M45.86M45.33M39.89M39.18M39.54M39.17M38.51M

PRAA Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
120.52M98.69M119.77M108.61M87.58M150.19M172M161.7M104.41M533.01M
Cash & Due from Banks
120.52M98.69M119.77M108.61M87.58M83.38M112.53M105.94M104.41M124.78M
Short Term Investments
0000066.81M59.47M55.76M00
Total Investments
78.29M45.17M56.18M55.76M92.98M79.95M72.4M66.3M00
Investments Growth %
14.22%-42.3%24.36%-0.74%66.75%-14.01%-9.44%-8.42%-100%-288.46%
Long-Term Investments
78.29M45.17M56.18M55.76M92.98M13.13M12.93M10.54M01.73M
Accounts Receivables
2.78B3.08B3.51B3.51B3.43B3.3B3.66B4.14B00
Goodwill & Intangibles
550.09M469.64M485.29M492.99M480.26M435.92M431.56M396.36M26.87M26.87M
Goodwill
526.51M464.12M480.79M492.99M480.26M435.92M431.56M396.36M26.87M26.87M
Intangible Assets
23.57M5.52M4.5M0000000
PP&E (Net)
49.31M54.14M125.47M111.31M111.23M106.15M82.33M61.67M54.09M53.28M
Other Assets
32.66M32.72M31.73M64.47M57M86.59M67.53M65.45M00
Total Current Assets
2.93B3.25B3.67B3.65B3.56B3.48B3.86B4.32B104.41M124.78M
Total Non-Current Assets
766.8M663.12M757.39M807.73M809.23M698.7M669.04M609.15M157.92M151.07M
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%
5.21B▲ 0%
Asset Growth %
16.97%5.64%13.16%0.66%-1.95%-4.36%8.37%8.97%3.49%22.49%
Return on Assets (ROA)
4.79%1.72%2.07%3.36%4.15%2.74%-1.92%1.49%-6.08%-5.41%
Accounts Payable
4.99M6.11M4.26M5.29M3.82M7.33M6.33M000
Total Debt
2.17B2.47B2.88B4.3B3.84B3.61B4.4B3.36B32.16M31.59M
Net Debt
2.05B2.37B2.76B4.19B3.75B3.53B4.29B3.26B-72.25M-93.18M
Long-Term Debt
2.17B1.31B2.81B2.66B2.61B2.49B2.91B3.33B00
Short-Term Debt
98.58M1.16B1.79B1.58B1.17B1.06B1.44B032.16M31.59M
Other Liabilities
9.02M1.17B-1.76B54.99M59.35M34.35M32.64M24.48M3.98B4.06B
Total Current Liabilities
200.34M1.34B1.99B265.05M275.52M257.41M271.72M333.2M62.01M61.68M
Total Non-Current Liabilities
2.36B1.44B1.2B2.81B2.77B2.63B3.01B3.4B4B4.08B
Total Liabilities
2.56B2.79B3.2B3.08B3.04B2.89B3.29B3.74B4.06B4.14B
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%
1.07B▲ 0%
Equity Growth %
24.37%-1.47%9.17%11.94%-3.54%-2.87%-3.68%-3.69%-12.87%-36.59%
Equity / Assets (Capital Ratio)
30.82%28.75%27.74%30.84%30.34%30.82%27.39%24.21%20.38%20.52%
Return on Equity (ROE)
15.97%5.79%7.33%11.49%13.58%8.97%-6.61%5.8%-27.32%-25%
Book Value per Share
24.8924.7526.9229.9529.2332.2631.6430.1926.5527.75
Tangible BV per Share
12.8914.4116.2719.2018.6321.3320.6220.1625.8627.05
Common Stock
452K453K454K456K410K390K392K395K385K381K
Additional Paid-in Capital
53.87M60.3M67.32M75.28M02.17M7.07M17.88M00
Retained Earnings
1.21B1.28B1.36B1.51B1.55B1.57B1.49B1.56B1.26B1.28B
Accumulated OCI
-178.61M-242.11M-261.02M-245.79M-266.91M-347.93M-329.9M-443.39M-287.01M-284.6M
Treasury Stock
0000000000
Preferred Stock
1.21B1.28B00000000

PRAA Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
15.47M80.87M133.39M141.7M84.92M21.59M-97.53M-94.59M-85.54M-8.02M
Operating CF Growth %
-92.48%422.56%64.95%6.23%-40.07%-74.58%-551.72%3.02%9.57%151.62%
Net Income
171.13M75.73M97.68M167.74M195.51M118M-66.75M88.57M-289.97M-280.59M
Depreciation & Amortization
19.76M19.32M17.46M18.46M15.26M15.24M18.61M10.79M10.44M8.38M
Deferred Taxes
-130.14M-56.21M-37.56M-58.5M6.8M607K-35.94M-2.14M6.39M5.6M
Other Non-Cash Items
-21.81M31.14M36.41M-32.91M-159.99M-123.59M-38M-226.69M192.89M188.13M
Working Capital Changes
-32.14M2.36M8.68M32.52M11.41M-1.71M13.45M21.4M-21.19M48.57M
Cash from Investing
-294.96M-387.25M-441.19M115M160.38M120.45M-234.86M-382.47M-55.72M-49.77M
Purchase of Investments
-6.69M-42.62M-83.29M-45.23M-110.92M-63M-60.06M-57.38M-57.9M-146.48M
Sale/Maturity of Investments
10.12M43.44M75.01M43.39M68.9M66.11M71.35M58.13M68.97M75.06M
Net Investment Activity
3.44M818K-8.28M-1.84M-42.01M3.11M11.29M746K11.07M-71.42M
Acquisitions
93.3M4.91M-26.43M0-647K00000
Other Investing
-368.86M-372.45M-388.44M134.07M214.25M130.59M-243.26M-379.17M-61.97M26.97M
Cash from Financing
295.7M294.93M339.52M-252.1M-262.81M-121.34M355.3M490.84M111.75M86.55M
Dividends Paid
0000000000
Share Repurchases
-44.91M000-200.89M-111.37M00-20M-20M
Stock Issued
0000000000
Net Stock Activity
-44.91M000-200.89M-111.37M00-20M-20M
Debt Issuance (Net)
1000K1000K1000K-1000K-1000K-1000K1000K1000K1000K2M
Other Financing
-9.7M-29.19M40.27M-43.27M-8.75M-8.47M-23.07M24.98M-27.46M128.34M
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%
55.98M▲ 0%
Exchange Rate Effect
10.02M-10.36M-6.61M-7.37M-14.46M-25.02M6.03M-20.03M30.72M27.24M
Cash at Beginning
94.29M120.52M98.69M123.81M121.05M89.07M84.76M113.69M107.43M108.64M
Cash at End
120.52M98.69M123.81M121.05M89.07M84.76M113.69M107.43M108.64M186.3M
Interest Paid
79.83M97.47M119.42M117.99M112.28M116.93M138.31M224.1M259.06M-86.88M
Income Taxes Paid
144.34M73.48M68.98M80.86M77.82M21.86M25.54M5.22M38.53M-6.5M
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%
-13.36M▲ 0%
FCF Growth %
-103.84%919.35%91.16%7.91%-40.78%-88.68%-1303.96%1.78%8.39%83.01%

PRAA Banking Ratios

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

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
15.97%5.79%7.33%11.49%13.58%8.97%-6.61%5.8%-27.32%-25%
Return on Assets (ROA)
4.79%1.72%2.07%3.36%4.15%2.74%-1.92%1.49%-6.08%-5.41%
Net Interest Margin
-0.51%-3.1%-3.26%-0.77%-0.87%-1.18%-1.86%-2.01%18.38%2.61%
Efficiency Ratio
32.06%42.52%43.92%26.17%26.89%27.37%38.69%30.78%65.23%63.11%
Equity / Assets
30.82%28.75%27.74%30.84%30.34%30.82%27.39%24.21%20.38%20.52%
Book Value / Share
24.8924.7526.9229.9529.2332.2631.6430.1926.5527.75
NII Growth
73.66%-542.63%-19.07%76.08%-9.85%-30.62%-69.76%-18.24%1044.56%200.86%
Dividend Payout
---------0%
Related:PRAA Dividend History·PRAA Revenue History·PRAA Price History·PRAA P/E History·PRAA Financial Ratios·PRAA Institutional Holders

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 7, 2026·SEC

Material company update

May 5, 2026·SEC

Material company update

Feb 26, 2026·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 2026

May 8, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 6, 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 $280.6M 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.

What if you invested $1,000 in PRAA back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

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How much would $100/month in PRAA be worth today?

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