PRA Group, Inc. (PRAA) Earnings History
Annual and quarterly earnings data from 2002 to 2025
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PRAA EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PRAA Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 99.2% | 33.9% | -24.6% |
| 2024 | 61.0% | 30.2% | 6.3% |
| 2023 | 51.0% | 12.3% | -10.2% |
| 2022 | 56.9% | 29.6% | 12.1% |
| 2021 | 61.1% | 34.2% | 16.7% |
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PRA Group, Inc. (PRAA) Earnings Overview
As of May 6, 2026, PRA Group, Inc. (PRAA) reported trailing twelve-month net income of -$305M, reflecting -535.2% year-over-year growth. The company earned $-7.79 per diluted share over the past four quarters, with a net profit margin of -24.6%.
Looking at the long-term picture, PRAA's historical earnings data spans multiple years. The company achieved its highest annual net income of $183M in fiscal 2021.
PRA Group, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including ECPG ($257M net income, 14.6% margin), FCFS ($354M net income, 9.0% margin), SLM ($745M net income, 24.0% margin), PRAA has room to improve margins relative to the peer group. Compare PRAA vs ECPG →
PRAA Earnings vs Peers
Earnings metrics vs comparable public companies
PRAA Historical Earnings Data (2002–2025)
24 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$305M | -532.2% | $421M | $-7.79 | -24.6% | 33.9% |
| 2024 | $71M | +184.6% | $340M | $1.79 | 6.3% | 30.2% |
| 2023 | -$83M | -171.3% | $100M | $-2.13 | -10.2% | 12.3% |
| 2022 | $117M | -36.0% | $286M | $2.94 | 12.1% | 29.6% |
| 2021 | $183M | +22.6% | $375M | $4.04 | 16.7% | 34.2% |
| 2020 | $149M | +73.3% | $350M | $3.26 | 14.0% | 32.8% |
| 2019 | $86M | +31.4% | $248M | $1.89 | 8.7% | 24.9% |
| 2018 | $66M | -60.1% | $185M | $1.44 | 7.5% | 21.1% |
| 2017 | $164M | +90.5% | $214M | $3.54 | 20.0% | 26.0% |
| 2016 | $86M | -48.6% | $220M | $1.83 | 10.4% | 26.4% |
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Start ComparisonPRAA — Frequently Asked Questions
Quick answers to the most common questions about buying PRAA stock.
Is PRAA growing earnings?
PRAA EPS fell to $-7.79, with earnings declining -535.2%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-305M.
What are PRAA's profit margins?
PRA Group, Inc. net margin is -24.6%, with operating margin at +33.9%. Below-average margins reflect competitive or cost pressures.
How consistent are PRAA's earnings?
PRAA earnings data spans 2002-2025. The declining earnings trend is -535.2% YoY. Historical data enables comparison across business cycles.