Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
PRA Group, Inc.'s quarterly P/E stands at 3.0x, down 72.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 97.4% YoY to 0.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -2.73 | 3.03 | — | 3.41 | 55.91 | 11.11 | 8.10 | 9.10 | 74.01 | — | — | — | — |
| — | -72.7% | — | -62.5% | -24.5% | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.66 | 0.48 | 0.48 | 0.50 | 0.75 | 0.70 | 0.78 | 0.68 | 1.00 | 1.15 | 0.86 | 1.05 | 2.38 |
| — | -31.9% | -38.3% | -26.1% | -24.7% | -39.2% | -9.6% | -35.2% | -58.1% | -22.3% | -34.3% | -25.3% | +23.5% | |
| P/B Ratio | 0.80 | 0.67 | 0.61 | 0.42 | 0.64 | 0.69 | 0.69 | 0.65 | 0.86 | 0.83 | 0.63 | 0.72 | 1.24 |
| — | -4.1% | -11.0% | -35.4% | -25.7% | -16.3% | +8.7% | -10.6% | -30.7% | -19.3% | -41.8% | -38.1% | -10.2% | |
| P/FCF | — | — | — | — | — | 4.96 | — | — | — | 12.75 | — | — | — |
| — | — | — | — | — | -61.1% | — | — | — | -13.5% | — | — | — | |
| EV / EBITDA | 1.73 | 0.27 | — | 11.69 | 13.36 | 10.52 | 11.04 | 10.39 | 19.54 | 27.26 | 23.80 | 24.68 | — |
| — | -97.4% | — | +12.4% | -31.6% | -61.4% | -53.6% | -57.9% | — | +41.9% | +53.9% | +74.0% | — | |
| EV / EBIT | 1.77 | 0.65 | — | 11.90 | 27.34 | 18.14 | 19.04 | 17.03 | 41.76 | 116.82 | 101.26 | 52.82 | — |
| — | -96.4% | — | -30.1% | -34.5% | -84.5% | -81.2% | -67.8% | — | +255.6% | +349.7% | +181.6% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
PRA Group, Inc.'s operating margin was 158.7% in Q4 2025, up 259.2 pp QoQ and up 126.9 pp YoY. The trailing four-quarter average of 28.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 208.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.2% | 190.3% | 63.6% | 60.7% | 59.6% | 61.8% | 61.2% | 62.5% | 58.3% | 53.6% | 54.0% | 57.5% | 34.7% |
| — | +208.0% | +3.9% | -2.9% | +2.3% | +15.3% | +13.3% | +8.8% | +68.0% | -10.3% | -15.8% | -11.4% | -45.5% | |
| Operating Margin | 33.9% | 158.7% | -100.4% | 29.3% | 27.4% | 31.8% | 31.7% | 31.1% | 25.8% | 20.4% | 19.7% | 21.3% | -21.1% |
| — | +398.9% | -416.6% | -6.0% | +6.4% | +56.0% | +61.3% | +46.2% | +222.2% | -23.2% | -31.8% | -34.2% | -170.7% | |
| Net Margin | -24.6% | 15.6% | -129.8% | 14.6% | 1.3% | 6.2% | 9.6% | 7.5% | 1.3% | -3.9% | -5.6% | -1.8% | -36.7% |
| — | +149.5% | -1455.4% | +94.2% | -0.3% | +258.5% | +270.8% | +522.1% | +103.7% | -155.0% | -155.6% | -112.6% | -321.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -27.3% | 5.6% | -34.3% | 3.2% | 0.3% | 1.5% | 2.2% | 1.8% | 0.3% | -0.7% | -1.0% | -0.3% | -4.7% |
| — | +274.6% | -1667.3% | +76.5% | +3.7% | +306.3% | +316.5% | +680.9% | +106.1% | -155.9% | -149.5% | -111.0% | -256.0% | |
| ROA | -6.1% | 1.1% | -7.8% | 0.8% | 0.1% | 0.4% | 0.6% | 0.5% | 0.1% | -0.2% | -0.3% | -0.1% | -1.3% |
| — | +199.1% | -1481.2% | +70.2% | -6.0% | +288.7% | +299.6% | +648.5% | +105.7% | -150.1% | -145.8% | -109.8% | -245.1% | |
| ROIC | 11.2% | 41.4% | -7.8% | 1.3% | 1.2% | 1.5% | 1.5% | 1.3% | 0.9% | 0.6% | 0.6% | 0.6% | -0.5% |
| — | +2593.9% | -620.5% | -2.4% | +36.2% | +149.4% | +149.5% | +107.3% | +278.4% | -34.4% | -46.8% | -49.4% | -146.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
PRA Group, Inc.'s Debt/EBITDA ratio is 0.1x — comfortably within a safe range. The current ratio has weakened 87.0% YoY to 1.68x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 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 |
| — | -98.9% | -98.8% | -0.7% | -27.1% | -20.7% | -26.8% | -19.8% | +11.8% | +26.5% | +24.7% | +13.4% | +22.0% | |
| Debt / EBITDA | 0.07 | 0.06 | — | 41.59 | 44.63 | 34.63 | 36.14 | 34.41 | 64.85 | 90.28 | 82.57 | 82.74 | — |
| — | -99.8% | — | +20.9% | -31.2% | -61.6% | -56.2% | -58.4% | — | +57.8% | +82.0% | +102.1% | — | |
| Current Ratio | 1.68 | 1.68 | 1.34 | 14.48 | 14.12 | 12.97 | 15.70 | 15.29 | 15.57 | 14.19 | 16.01 | 14.95 | 15.23 |
| — | -87.0% | -91.4% | -5.3% | -9.3% | -8.6% | -2.0% | +2.3% | +2.2% | +5.1% | +7.7% | +5.2% | +0.7% | |
| Quick Ratio | 1.68 | 1.68 | 1.34 | 14.48 | 14.12 | 12.97 | 15.70 | 15.29 | 15.57 | 14.19 | 16.01 | 14.95 | 15.23 |
| — | -87.0% | -91.4% | -5.3% | -9.3% | -8.6% | -2.0% | +2.3% | +2.2% | +5.1% | +7.7% | +5.2% | +0.7% | |
| Interest Coverage | 0.03 | 3.71 | -14.24 | 3.45 | 1.54 | 2.46 | 2.11 | 1.01 | 0.62 | 0.63 | 0.65 | 1.14 | -3.01 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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PRA Group, Inc.'s current P/E is -2.7x. The average P/E over the last 3 quarters is 20.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PRA Group, Inc.'s current operating margin is 33.9%. Margins have been expanding 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.