8-K Announcements
6May 5, 2026·SEC
Feb 26, 2026·SEC
Nov 3, 2025·SEC
PRA Group, Inc. (PRAA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PRA Group, Inc. (PRAA) stock price & volume — 10-year historical chart
PRA Group, Inc. (PRAA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
PRA Group, Inc. (PRAA) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $1.46vs $0.50+192.0% | $333Mvs $289M+15.4% |
| Q4 2025 | Nov 3, 2025 | $0.53vs $0.50+6.0% | $314Mvs $289M+8.8% |
| Q3 2025 | Aug 4, 2025 | $1.08vs $0.62+74.2% | $288Mvs $298M-3.3% |
| Q2 2025 | May 5, 2025 | $0.09vs $0.41-78.0% | $272Mvs $292M-6.8% |
PRA Group, Inc. (PRAA) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison
PRA Group, Inc. (PRAA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PRA Group, Inc. (PRAA) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -18.84M | -121.08M | -144.16M | -34.48M | -37.88M | -49.47M | -83.98M | -99.3M | 937.93M |
| 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 Income | 5.61M | 3.13M | 0 | 1.01M | 1.09M | 2.23M | -9.22M | -10.57M | 1.19B |
| Interest Expense | 24.45M | 124.21M | 144.16M | 35.5M | 38.96M | 51.7M | 74.76M | 88.73M | 251.79M |
| Loan Loss Provision | 320.24M | 195.19M | 166.28M | 401.37M | 387.16M | 364.51M | 324.7M | 349.44M | -241.35M |
| Non-Interest Income | 816.31M | 874.83M | 995.3M | 1.06B | 1.09B | 964.3M | 824.72M | 1.13B | 50.52M |
| 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 Expense | 263.5M | 373.3M | 437.18M | 278.85M | 294.61M | 264.51M | 315.54M | 345.92M | 809.06M |
| Efficiency Ratio | 32.06% | 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 | -10.85M | 13.76M | 19.68M | 41.2M | 54.82M | 36.79M | -16.13M | 21.03M | 46.73M |
| 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) | 171.13M | 75.73M | 97.68M | 167.74M | 195.51M | 118M | -66.75M | 88.57M | -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) | 3.55 | 1.45 | 1.90 | 3.28 | 4.07 | 2.96 | -2.13 | 1.79 | -7.79 |
| Diluted Shares Outstanding | 45.82M | 45.41M | 45.58M | 45.86M | 45.33M | 39.89M | 39.18M | 39.54M | 39.17M |
PRA Group, Inc. (PRAA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 120.52M | 98.69M | 119.77M | 108.61M | 87.58M | 150.19M | 172M | 161.7M | 104.41M |
| Cash & Due from Banks | 120.52M | 98.69M | 119.77M | 108.61M | 87.58M | 83.38M | 112.53M | 105.94M | 104.41M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 66.81M | 59.47M | 55.76M | 0 |
| Total Investments | 78.29M | 45.17M | 56.18M | 55.76M | 92.98M | 79.95M | 72.4M | 66.3M | 0 |
| Investments Growth % | 14.22% | -42.3% | 24.36% | -0.74% | 66.75% | -14.01% | -9.44% | -8.42% | -100% |
| Long-Term Investments | 78.29M | 45.17M | 56.18M | 55.76M | 92.98M | 13.13M | 12.93M | 10.54M | 0 |
| Accounts Receivables | 2.78B | 3.08B | 3.51B | 3.51B | 3.43B | 3.3B | 3.66B | 4.14B | 0 |
| Goodwill & Intangibles | 550.09M | 469.64M | 485.29M | 492.99M | 480.26M | 435.92M | 431.56M | 396.36M | 26.87M |
| Goodwill | 526.51M | 464.12M | 480.79M | 492.99M | 480.26M | 435.92M | 431.56M | 396.36M | 26.87M |
| Intangible Assets | 23.57M | 5.52M | 4.5M | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 49.31M | 54.14M | 125.47M | 111.31M | 111.23M | 106.15M | 82.33M | 61.67M | 54.09M |
| Other Assets | 32.66M | 32.72M | 31.73M | 64.47M | 57M | 86.59M | 67.53M | 65.45M | 0 |
| Total Current Assets | 2.93B | 3.25B | 3.67B | 3.65B | 3.56B | 3.48B | 3.86B | 4.32B | 104.41M |
| Total Non-Current Assets | 766.8M | 663.12M | 757.39M | 807.73M | 809.23M | 698.7M | 669.04M | 609.15M | 157.92M |
| 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 Payable | 4.99M | 6.11M | 4.26M | 5.29M | 3.82M | 7.33M | 6.33M | 0 | 0 |
| Total Debt | 2.17B | 2.47B | 2.88B | 4.3B | 3.84B | 3.61B | 4.4B | 3.36B | 32.16M |
| Net Debt | 2.05B | 2.37B | 2.76B | 4.19B | 3.75B | 3.53B | 4.29B | 3.26B | -72.25M |
| Long-Term Debt | 2.17B | 1.31B | 2.81B | 2.66B | 2.61B | 2.49B | 2.91B | 3.33B | 0 |
| Short-Term Debt | 98.58M | 1.16B | 1.79B | 1.58B | 1.17B | 1.06B | 1.44B | 0 | 32.16M |
| Other Liabilities | 9.02M | 1.17B | -1.76B | 54.99M | 59.35M | 34.35M | 32.64M | 24.48M | 3.98B |
| Total Current Liabilities | 200.34M | 1.34B | 1.99B | 265.05M | 275.52M | 257.41M | 271.72M | 333.2M | 62.01M |
| Total Non-Current Liabilities | 2.36B | 1.44B | 1.2B | 2.81B | 2.77B | 2.63B | 3.01B | 3.4B | 4B |
| Total Liabilities | 2.56B | 2.79B | 3.2B | 3.08B | 3.04B | 2.89B | 3.29B | 3.74B | 4.06B |
| 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 Share | 24.89 | 24.75 | 26.92 | 29.95 | 29.23 | 32.26 | 31.64 | 30.19 | 26.55 |
| Tangible BV per Share | 12.89 | 14.41 | 16.27 | 19.20 | 18.63 | 21.33 | 20.62 | 20.16 | 25.86 |
| Common Stock | 452K | 453K | 454K | 456K | 410K | 390K | 392K | 395K | 385K |
| Additional Paid-in Capital | 53.87M | 60.3M | 67.32M | 75.28M | 0 | 2.17M | 7.07M | 17.88M | 0 |
| Retained Earnings | 1.21B | 1.28B | 1.36B | 1.51B | 1.55B | 1.57B | 1.49B | 1.56B | 1.26B |
| Accumulated OCI | -178.61M | -242.11M | -261.02M | -245.79M | -266.91M | -347.93M | -329.9M | -443.39M | -287.01M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.21B | 1.28B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PRA Group, Inc. (PRAA) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 15.47M | 80.87M | 133.39M | 141.7M | 84.92M | 21.59M | -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 Income | 171.13M | 75.73M | 97.68M | 167.74M | 195.51M | 118M | -66.75M | 88.57M | -289.97M |
| Depreciation & Amortization | 19.76M | 19.32M | 17.46M | 18.46M | 15.26M | 15.24M | 18.61M | 10.79M | 10.44M |
| Deferred Taxes | -130.14M | -56.21M | -37.56M | -58.5M | 6.8M | 607K | -35.94M | -2.14M | 6.39M |
| Other Non-Cash Items | -21.81M | 31.14M | 36.41M | -32.91M | -159.99M | -123.59M | -38M | -226.69M | 192.89M |
| Working Capital Changes | -32.14M | 2.36M | 8.68M | 32.52M | 11.41M | -1.71M | 13.45M | 21.4M | -21.19M |
| Cash from Investing | -294.96M | -387.25M | -441.19M | 115M | 160.38M | 120.45M | -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 Investments | 10.12M | 43.44M | 75.01M | 43.39M | 68.9M | 66.11M | 71.35M | 58.13M | 68.97M |
| Net Investment Activity | 3.44M | 818K | -8.28M | -1.84M | -42.01M | 3.11M | 11.29M | 746K | 11.07M |
| Acquisitions | 93.3M | 4.91M | -26.43M | 0 | -647K | 0 | 0 | 0 | 0 |
| Other Investing | -368.86M | -372.45M | -388.44M | 134.07M | 214.25M | 130.59M | -243.26M | -379.17M | -61.97M |
| Cash from Financing | 295.7M | 294.93M | 339.52M | -252.1M | -262.81M | -121.34M | 355.3M | 490.84M | 111.75M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -44.91M | 0 | 0 | 0 | -200.89M | -111.37M | 0 | 0 | -20M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -44.91M | 0 | 0 | 0 | -200.89M | -111.37M | 0 | 0 | -20M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | -9.7M | -29.19M | 40.27M | -43.27M | -8.75M | -8.47M | -23.07M | 24.98M | -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 Effect | 10.02M | -10.36M | -6.61M | -7.37M | -14.46M | -25.02M | 6.03M | -20.03M | 30.72M |
| Cash at Beginning | 94.29M | 120.52M | 98.69M | 123.81M | 121.05M | 89.07M | 84.76M | 113.69M | 107.43M |
| Cash at End | 120.52M | 98.69M | 123.81M | 121.05M | 89.07M | 84.76M | 113.69M | 107.43M | 108.64M |
| Interest Paid | 79.83M | 97.47M | 119.42M | 117.99M | 112.28M | 116.93M | 138.31M | 224.1M | 259.06M |
| Income Taxes Paid | 144.34M | 73.48M | 68.98M | 80.86M | 77.82M | 21.86M | 25.54M | 5.22M | 38.53M |
| 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% |
PRA Group, Inc. (PRAA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Ratio | 42.49% | 32.06% | 42.52% | 43.92% | 26.17% | 26.89% | 27.37% | 38.69% | 30.78% | 65.23% |
| Equity / Assets | 28.99% | 30.82% | 28.75% | 27.74% | 30.84% | 30.34% | 30.82% | 27.39% | 24.21% | 20.38% |
| Book Value / Share | 19.77 | 24.89 | 24.75 | 26.92 | 29.95 | 29.23 | 32.26 | 31.64 | 30.19 | 26.55 |
| NII Growth | -24.46% | 73.66% | -542.63% | -19.07% | 76.08% | -9.85% | -30.62% | -69.76% | -18.24% | 1044.56% |
PRA Group, Inc. (PRAA) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Feb 26, 2026·SEC
Nov 3, 2025·SEC
PRA Group, Inc. (PRAA) stock FAQ — growth, dividends, profitability & financials explained
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.
PRA Group, Inc. (PRAA) has a return on equity (ROE) of -27.3%. Negative ROE indicates the company is unprofitable.
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.
PRA Group, Inc. (PRAA) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates