Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 3.12 | 12.49 | 3.14 | 5.99 | 3.03 | — | 3.41 | 55.91 | 11.11 | 8.10 | 9.10 | 74.01 | — | — | — | — | 20.60 | 13.04 | 9.99 | 11.62 | 15.89 |
| — | — | -7.9% | -89.3% | -72.7% | — | -62.5% | -24.5% | — | — | — | — | — | — | — | — | +29.6% | -5.9% | +26.7% | +59.2% | +4.2% | |
| P/S Ratio | 0.43 | 0.65 | 0.60 | 0.68 | 0.58 | 0.52 | 0.55 | 0.83 | 0.76 | 0.85 | 0.84 | 1.25 | 1.25 | 0.94 | 1.16 | 2.69 | 1.57 | 1.38 | 1.48 | 2.04 | 2.24 |
| — | +24.1% | +8.9% | -17.9% | -23.6% | -39.0% | -34.7% | -33.9% | -39.4% | -9.1% | -27.3% | -53.4% | -20.4% | -32.0% | -21.7% | +31.8% | -29.7% | -26.6% | -7.6% | +34.3% | +28.4% | |
| P/B Ratio | 0.49 | 0.65 | 0.65 | 0.63 | 0.67 | 0.61 | 0.42 | 0.64 | 0.69 | 0.69 | 0.65 | 0.86 | 0.83 | 0.63 | 0.72 | 1.24 | 1.03 | 1.09 | 1.17 | 1.38 | 1.65 |
| — | +6.8% | +56.5% | -1.3% | -4.1% | -11.0% | -35.4% | -25.7% | -16.3% | +8.7% | -10.6% | -30.7% | -19.3% | -41.8% | -38.1% | -10.2% | -37.7% | -19.2% | -2.8% | +13.7% | +24.4% | |
| P/FCF | — | — | — | 7.16 | — | — | — | — | 4.96 | — | — | — | 12.75 | — | — | — | 14.74 | 8.97 | — | — | 12.96 |
| — | — | — | — | — | — | — | — | -61.1% | — | — | — | -13.5% | — | — | — | +13.7% | -73.9% | — | — | -82.9% | |
| EV / EBITDA | 0.45 | 1.79 | 0.99 | 1.28 | 0.27 | — | 11.69 | 13.36 | 10.52 | 11.04 | 10.39 | 19.54 | 27.26 | 23.80 | 24.68 | — | 19.21 | 15.46 | 14.18 | 18.09 | 17.22 |
| — | — | -91.5% | -90.4% | -97.4% | — | +12.4% | -31.6% | -61.4% | -53.6% | -57.9% | — | +41.9% | +53.9% | +74.0% | — | +11.6% | -9.0% | +12.1% | +49.1% | +9.1% | |
| EV / EBIT | 1.00 | — | 1.00 | 1.36 | 0.65 | — | 11.90 | 27.34 | 18.14 | 19.04 | 17.03 | 41.76 | 116.82 | 101.26 | 52.82 | — | 32.85 | 22.52 | 18.75 | 26.30 | 23.84 |
| — | — | -91.6% | -95.0% | -96.4% | — | -30.1% | -34.5% | -84.5% | -81.2% | -67.8% | — | +255.6% | +349.7% | +181.6% | — | +37.8% | -5.0% | +11.2% | +65.7% | +4.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 124.4% | 76.9% | 122.2% | 80.6% | 231.3% | 69.0% | 66.4% | 65.6% | 67.0% | 67.2% | 77.5% | 73.1% | 58.3% | 58.9% | 63.5% | 39.1% | 63.4% | 67.7% | 68.3% | 67.2% | 68.1% |
| — | +11.4% | +84.1% | +22.9% | +245.4% | +2.8% | -14.3% | -10.2% | +14.9% | +14.0% | +22.1% | +86.9% | -8.1% | -12.9% | -7.1% | -41.8% | -6.9% | +1.1% | +1.8% | -3.1% | +1.2% | |
| Operating Margin | 42.6% | 30.0% | 50.3% | 45.2% | 192.9% | -109.1% | 32.0% | 30.2% | 34.5% | 34.8% | 38.6% | 32.3% | 22.2% | 21.5% | 23.5% | -23.8% | 28.2% | 30.4% | 34.1% | 31.5% | 33.7% |
| — | +127.5% | +57.2% | +49.7% | +459.4% | -413.1% | -17.0% | -6.7% | +55.4% | +62.2% | +64.1% | +235.9% | -21.3% | -29.4% | -30.9% | -175.4% | -16.4% | +0.1% | -9.4% | -20.0% | -1.1% | |
| Net Margin | -30.9% | 5.2% | 19.0% | 11.4% | 18.9% | -141.0% | 15.9% | 1.5% | 6.8% | 10.5% | 9.3% | 1.7% | -4.3% | -6.1% | -2.0% | -41.4% | 7.6% | 10.6% | 14.8% | 17.5% | 14.0% |
| — | +103.7% | +19.3% | +668.9% | +179.7% | -1440.4% | +71.4% | -12.5% | +257.9% | +271.8% | +573.8% | +104.1% | -156.4% | -157.5% | -113.2% | -336.7% | -45.9% | -21.3% | -26.5% | -15.7% | +23.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -27.3% | 1.3% | 5.3% | 2.7% | 5.6% | -34.3% | 3.2% | 0.3% | 1.5% | 2.2% | 1.8% | 0.3% | -0.7% | -1.0% | -0.3% | -4.7% | 1.3% | 2.0% | 2.8% | 3.0% | 2.5% |
| — | +103.9% | +67.7% | +804.6% | +274.6% | -1667.3% | +76.5% | +3.7% | +306.3% | +316.5% | +680.9% | +106.1% | -155.9% | -149.5% | -111.0% | -256.0% | -48.1% | -14.1% | -27.6% | -28.9% | +10.5% | |
| ROA | -6.1% | 0.3% | 1.1% | 0.5% | 1.1% | -7.8% | 0.8% | 0.1% | 0.4% | 0.6% | 0.5% | 0.1% | -0.2% | -0.3% | -0.1% | -1.3% | 0.4% | 0.6% | 0.9% | 0.9% | 0.8% |
| — | +103.6% | +38.5% | +653.7% | +199.1% | -1481.2% | +70.2% | -6.0% | +288.7% | +299.6% | +648.5% | +105.7% | -150.1% | -145.8% | -109.8% | -245.1% | -49.8% | -22.8% | -33.3% | -30.7% | +14.4% | |
| ROIC | 11.2% | 5.6% | 10.2% | 7.7% | 41.4% | -7.8% | 1.3% | 1.2% | 1.5% | 1.5% | 1.3% | 0.9% | 0.6% | 0.6% | 0.6% | -0.5% | 0.9% | 1.1% | 1.3% | 1.1% | 1.2% |
| — | +171.6% | +688.0% | +545.0% | +2593.9% | -620.5% | -2.4% | +36.2% | +149.4% | +149.5% | +107.3% | +278.4% | -34.4% | -46.8% | -49.4% | -146.6% | -22.1% | +0.4% | -13.7% | -29.8% | -1.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 2.61 | 2.73 | 2.82 | 2.61 | 2.63 | 3.75 | 3.55 | 3.56 | 3.27 | 3.35 | 2.81 | 2.86 | 2.89 | 2.75 | 2.90 |
| — | -23.7% | -98.9% | -98.9% | -98.9% | -98.8% | -0.7% | -27.1% | -20.7% | -26.8% | -19.8% | +11.8% | +26.5% | +24.7% | +13.4% | +22.0% | -3.0% | +11.7% | +12.9% | -2.5% | -7.4% | |
| Debt / EBITDA | 0.07 | 0.31 | 0.19 | 0.28 | 0.06 | — | 41.59 | 44.63 | 34.63 | 36.14 | 34.41 | 64.85 | 90.28 | 82.57 | 82.74 | — | 57.22 | 45.36 | 40.94 | 48.84 | 44.53 |
| — | — | -99.5% | -99.4% | -99.8% | — | +20.9% | -31.2% | -61.6% | -56.2% | -58.4% | — | +57.8% | +82.0% | +102.1% | — | +28.5% | +0.9% | +17.2% | +41.7% | -1.3% | |
| Current Ratio | 1.68 | 2.14 | 1.98 | 2.02 | 1.68 | 1.34 | 14.48 | 14.12 | 12.97 | 15.70 | 15.29 | 15.57 | 14.19 | 16.01 | 14.95 | 15.23 | 13.51 | 14.87 | 14.21 | 15.12 | 12.91 |
| — | +59.4% | -86.4% | -85.7% | -87.0% | -91.4% | -5.3% | -9.3% | -8.6% | -2.0% | +2.3% | +2.2% | +5.1% | +7.7% | +5.2% | +0.7% | +4.6% | +8.8% | +3.1% | +2.6% | -6.1% | |
| Quick Ratio | 1.68 | 2.14 | 1.98 | 2.02 | 1.68 | 1.34 | 14.48 | 14.12 | 12.97 | 15.70 | 15.29 | 15.57 | 14.19 | 16.01 | 14.95 | 15.23 | 13.51 | 14.87 | 14.21 | 15.12 | 12.91 |
| — | +59.4% | -86.4% | -85.7% | -87.0% | -91.4% | -5.3% | -9.3% | -8.6% | -2.0% | +2.3% | +2.2% | +5.1% | +7.7% | +5.2% | +0.7% | +4.6% | +8.8% | +3.1% | +2.6% | -6.1% | |
| Interest Coverage | 0.03 | 1.35 | 2.31 | 1.61 | 3.71 | -14.24 | 3.45 | 1.54 | 2.46 | 2.11 | 1.01 | 0.62 | 0.63 | 0.65 | 1.14 | -3.01 | 2.86 | 3.96 | 5.12 | 4.03 | 4.82 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PRAA stock.
PRA Group, Inc.'s current P/E is 3.1x. The average P/E over the last 4 quarters is 6.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PRA Group, Inc.'s current operating margin is 42.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking PRA Group, Inc.'s business trajectory between earnings reports.