PRA Group, Inc. (PRAA) Earnings History
Annual and quarterly earnings data from 2002 to 2024
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EPS Growth Rates (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.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 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% |
| 2020 | 59.0% | 32.8% | 14.0% |
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PRA Group, Inc. (PRAA) Earnings Overview
As of March 2, 2026, PRA Group, Inc. (PRAA) reported trailing twelve-month net income of -$343M, reflecting +1.8% year-over-year growth. The company earned $-8.78 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, PRAA's 5-year EPS compound annual growth rate (CAGR) stands at -1.1%, signaling declining earnings. 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 industry peers including FCFS ($310M net income, 0.1% margin), EZPW ($123M net income, 0.1% margin), JCAP ($140M net income, 0.2% margin), PRAA has room to improve margins relative to the peer group. Compare PRAA vs FCFS →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
| 2015 | $168M | -4.9% | $310M | $3.47 | 17.8% | 32.9% |
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Start ComparisonFrequently Asked Questions
Is PRAA growing earnings?
PRAA EPS of $-8.78 reflects slowing growth at +1.8%, below the 5-year CAGR of -1.1%. TTM net income is $-343M. Expansion rate has moderated.
What are PRAA's profit margins?
PRA Group, Inc. net margin is +0.1%, with operating margin at +0.3%. Below-average margins reflect competitive or cost pressures.
How consistent are PRAA's earnings?
PRAA earnings data spans 2002-2024. The current earnings trend is +1.8% YoY. Historical data enables comparison across business cycles.