PRA Group (PRAA) Financials

$14.84 +0.03 (+0.20%)

As of 05/20/2025 04:00 PM Eastern

Annual Income Statements for PRA Group

This table shows PRA Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	71	-83	117
Consolidated Net Income / (Loss)	89	-67	118
Net Income / (Loss) Continuing Operations	89	-67	118
Total Pre-Tax Income	110	-83	155
Total Operating Income	340	100	286
Total Gross Profit	816	514	681
Total Revenue	1,115	803	967
Operating Revenue	1,115	803	967
Total Cost of Revenue	299	289	286
Operating Cost of Revenue	299	289	286
Total Operating Expenses	476	413	395
Selling, General & Admin Expense	57	52	51
Depreciation Expense	11	19	15
Other Operating Expenses / (Income)	227	215	214
Other Special Charges / (Income)	181	127	115
Total Other Income / (Expense), net	-230	-183	-131
Interest Expense	229	182	131
Other Income / (Expense), net	-0.86	-1.66	-0.34
Income Tax Expense	21	-16	37
Net Income / (Loss) Attributable to Noncontrolling Interest	18	17	0.85
Basic Earnings per Share	$1.79	($2.13)	$2.96
Weighted Average Basic Shares Outstanding	39.38M	39.18M	39.64M
Diluted Earnings per Share	$1.79	($2.13)	$2.94
Weighted Average Diluted Shares Outstanding	39.54M	39.18M	39.89M
Weighted Average Basic & Diluted Shares Outstanding	39.51M	39.25M	38.98M

This table shows PRA Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	18	27	22	3.48	-8.78	-12	-3.80	-59	16	25
Consolidated Net Income / (Loss)	23	29	25	12	-5.86	-8.15	1.16	-54	17	27
Net Income / (Loss) Continuing Operations	23	29	25	12	-5.86	-8.15	1.16	-54	17	27
Total Pre-Tax Income	33	28	34	14	-6.68	-6.36	2.74	-73	24	38
Total Operating Income	94	90	89	66	46	43	46	-34	59	71
Total Gross Profit	218	205	210	182	150	147	143	73	153	174
Total Revenue	293	281	284	256	221	216	209	155	223	245
Operating Revenue	293	281	284	256	221	216	209	155	223	245
Total Cost of Revenue	75	76	74	74	71	70	66	82	70	70
Operating Cost of Revenue	75	76	74	74	71	70	66	82	70	70
Total Operating Expenses	124	115	121	116	105	104	98	107	94	104
Selling, General & Admin Expense	16	14	14	13	14	12	13	13	13	13
Depreciation Expense	2.97	2.47	2.64	2.72	8.27	3.27	3.48	3.59	3.86	3.74
Other Operating Expenses / (Income)	55	56	55	61	55	53	50	57	49	54
Other Special Charges / (Income)	50	43	49	39	33	31	31	33	28	32
Total Other Income / (Expense), net	-61	-62	-55	-52	-52	-49	-43	-39	-35	-33
Other Income / (Expense), net	-0.16	-0.67	-0.05	0.02	-1.26	0.06	0.20	-0.66	-0.38	-0.08
Income Tax Expense	11	-0.67	8.70	2.39	-0.82	1.79	1.58	-19	6.96	11
Net Income / (Loss) Attributable to Noncontrolling Interest	4.33	1.77	3.60	8.28	2.92	4.11	4.96	4.73	1.10	2.45
Basic Earnings per Share	$0.46	$0.69	$0.55	$0.09	($0.22)	($0.31)	($0.10)	($1.50)	$0.43	$0.63
Weighted Average Basic Shares Outstanding	39.38M	39.42M	39.36M	39.27M	39.18M	39.24M	39.19M	39.03M	39.64M	39.02M
Diluted Earnings per Share	$0.47	$0.69	$0.54	$0.09	($0.22)	($0.31)	($0.10)	($1.50)	$0.43	$0.63
Weighted Average Diluted Shares Outstanding	39.54M	39.49M	39.55M	39.45M	39.18M	39.24M	39.19M	39.03M	39.89M	39.17M
Weighted Average Basic & Diluted Shares Outstanding	39.51M	39.43M	39.42M	39.35M	39.25M	39.24M	-	39.24M	38.98M	38.98M

This table details how cash moves in and out of PRA Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	14	23	21
Net Cash From Operating Activities	-95	-98	22
Net Cash From Continuing Operating Activities	-95	-98	22
Net Income / (Loss) Continuing Operations	89	-67	118
Consolidated Net Income / (Loss)	89	-67	118
Depreciation Expense	11	19	15
Amortization Expense	11	9.22	10
Non-Cash Adjustments To Reconcile Net Income	-224	-36	-121
Changes in Operating Assets and Liabilities, net	19	-22	-1.11
Net Cash From Investing Activities	-382	-235	120
Net Cash From Continuing Investing Activities	-382	-235	120
Purchase of Property, Plant & Equipment	-4.05	-2.89	-13
Purchase of Investments	-1,407	-1,160	-844
Sale and/or Maturity of Investments	58	71	66
Other Investing Activities, net	971	857	912
Net Cash From Financing Activities	491	355	-121
Net Cash From Continuing Financing Activities	491	355	-121
Repayment of Debt	-2,181	-838	-1,624
Repurchase of Preferred Equity	-298	-3.66	0.00
Repurchase of Common Equity	0.00	0.00	-111
Payment of Dividends	-19	-10	-6.69
Issuance of Debt	2,930	1,215	1,607
Issuance of Common Equity	2.40	0.00	18
Other Financing Activities, net	57	-7.61	-3.78
Cash Interest Paid	224	138	117
Cash Income Taxes Paid	5.22	26	22

This table details how cash moves in and out of PRA Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-12	21	10	-4.97	-7.49	-3.30	-354	387	19	22
Net Cash From Operating Activities	43	-35	-29	-73	21	-37	-33	-48	25	38
Net Cash From Continuing Operating Activities	43	-35	-29	-73	21	-37	-33	-48	25	38
Net Income / (Loss) Continuing Operations	23	29	25	12	-5.86	-8.15	1.16	-54	17	27
Consolidated Net Income / (Loss)	23	29	25	12	-5.86	-8.15	1.16	-54	17	27
Depreciation Expense	2.97	2.47	2.64	2.72	3.23	8.31	3.48	3.59	3.86	3.74
Amortization Expense	2.24	3.80	2.33	2.20	2.18	2.22	2.38	2.44	2.44	2.56
Non-Cash Adjustments To Reconcile Net Income	-31	-62	-73	-58	-5.54	-24	-32	25	-18	-0.15
Changes in Operating Assets and Liabilities, net	46	-8.27	13	-32	27	-16	-8.19	-25	20	5.02
Net Cash From Investing Activities	-199	-88	-111	15	-55	-86	-103	8.98	-75	48
Net Cash From Continuing Investing Activities	-199	-88	-111	15	-55	-86	-103	8.98	-75	48
Purchase of Property, Plant & Equipment	-1.16	-1.05	-1.34	-0.50	-0.58	-1.22	-0.69	-0.41	-2.55	-2.49
Purchase of Investments	-432	-350	-379	-246	-285	-316	-341	-219	-282	-181
Other Investing Activities, net	234	263	269	203	222	231	238	166	148	228
Net Cash From Financing Activities	144	143	151	53	27	120	-217	426	69	-80
Net Cash From Continuing Financing Activities	144	143	151	53	27	120	-217	426	69	-80
Repayment of Debt	-1,174	-390	-526	-92	-87	-117	-427	-207	-219	-124
Payment of Dividends	-1.27	-0.60	-6.08	-11	-7.78	-1.19	-1.17	0.00	-2.07	-1.13
Issuance of Debt	1,571	523	682	153	119	236	216	643	264	81
Other Financing Activities, net	46	8.16	0.91	2.54	6.29	2.11	-5.38	-11	18	-18
Cash Interest Paid	48	60	40	77	27	60	27	25	29	28
Cash Income Taxes Paid	-10	0.13	6.71	8.62	-2.94	7.62	10	11	0.77	-3.04

This table presents PRA Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	4,931	4,525	4,176
Total Current Assets	4,266	3,797	3,410
Cash & Equivalents	106	113	83
Note & Lease Receivable	4,141	3,657	3,295
Current Deferred & Refundable Income Taxes	20	28	32
Plant, Property, & Equipment, net	29	36	52
Total Noncurrent Assets	635	692	714
Goodwill	396	432	436
Noncurrent Deferred & Refundable Income Taxes	75	75	57
Other Noncurrent Operating Assets	164	186	221
Total Liabilities & Shareholders' Equity	4,931	4,525	4,176
Total Liabilities	3,738	3,286	2,889
Total Current Liabilities	358	304	292
Short-Term Debt	163	116	113
Accounts Payable	141	138	7.33
Current Deferred & Payable Income Tax Liabilities	29	18	26
Other Current Liabilities	24	33	34
Total Noncurrent Liabilities	3,380	2,982	2,597
Long-Term Debt	3,327	2,914	2,495
Capital Lease Obligations	36	-	59
Noncurrent Deferred & Payable Income Tax Liabilities	17	17	43
Total Equity & Noncontrolling Interests	1,194	1,239	1,287
Total Preferred & Common Equity	1,135	1,167	1,228
Preferred Stock	0.00	0.00	0.00
Total Common Equity	1,135	1,167	1,228
Common Stock	18	7.46	2.56
Retained Earnings	1,560	1,490	1,573
Accumulated Other Comprehensive Income / (Loss)	-443	-330	-348
Noncontrolling Interest	59	72	59

This table presents PRA Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	9/30/2022
Total Assets	4,936	4,662	4,482	4,330	4,321	3,895
Total Current Assets	4,239	3,974	3,790	144	148	94
Cash & Equivalents	141	119	108	105	111	58
Note & Lease Receivable	4,064	3,820	3,650	-	-	-
Current Deferred & Refundable Income Taxes	33	35	32	39	36	36
Plant, Property, & Equipment, net	32	33	34	39	46	52
Total Noncurrent Assets	665	655	658	4,148	4,127	3,749
Goodwill	423	416	412	413	415	404
Noncurrent Deferred & Refundable Income Taxes	88	76	79	55	57	54
Other Noncurrent Operating Assets	154	163	167	219	231	253
Total Liabilities & Shareholders' Equity	4,936	4,662	4,482	4,330	4,321	3,895
Total Liabilities	3,654	3,459	3,286	3,140	3,081	2,713
Total Current Liabilities	293	280	267	242	267	227
Short-Term Debt	129	115	113	101	99	88
Accounts Payable	8.18	10	11	6.16	6.35	6.15
Accrued Expenses	109	114	99	106	119	104
Current Deferred & Payable Income Tax Liabilities	28	24	24	16	19	16
Other Current Liabilities	20	17	21	13	24	12
Total Noncurrent Liabilities	3,361	3,179	3,018	2,898	2,814	2,486
Long-Term Debt	3,296	3,114	2,953	2,832	2,740	2,380
Noncurrent Deferred & Payable Income Tax Liabilities	20	18	17	14	18	49
Other Noncurrent Operating Liabilities	45	47	49	52	-	-
Total Equity & Noncontrolling Interests	1,282	1,203	1,196	1,190	1,240	1,183
Total Preferred & Common Equity	1,219	1,145	1,129	1,116	1,166	1,131
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,219	1,145	1,129	1,116	1,166	1,131
Common Stock	16	13	9.32	4.55	2.93	0.39
Retained Earnings	1,542	1,515	1,493	1,498	1,511	1,557
Accumulated Other Comprehensive Income / (Loss)	-339	-382	-373	-387	-348	-426
Noncontrolling Interest	63	58	67	74	74	51

This table displays calculated financial ratios and metrics derived from PRA Group's official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	38.87%	-16.96%	-11.79%
EBITDA Growth	184.37%	-59.24%	-22.15%
EBIT Growth	242.86%	-65.38%	-23.77%
NOPAT Growth	290.28%	-67.71%	-25.61%
Net Income Growth	232.69%	-156.57%	-39.65%
EPS Growth	184.04%	-172.45%	-27.23%
Operating Cash Flow Growth	3.02%	-551.72%	-74.58%
Free Cash Flow Firm Growth	15.23%	-156.92%	0.44%
Invested Capital Growth	11.00%	7.39%	-4.00%
Revenue Q/Q Growth	6.89%	-0.18%	-3.41%
EBITDA Q/Q Growth	15.93%	-10.94%	-6.74%
EBIT Q/Q Growth	17.19%	-12.92%	-7.33%
NOPAT Q/Q Growth	9.41%	-12.06%	-7.51%
Net Income Q/Q Growth	47.80%	-52.30%	-14.08%
EPS Q/Q Growth	62.73%	-43.92%	-10.91%
Operating Cash Flow Q/Q Growth	19.00%	-4.58%	-50.05%
Free Cash Flow Firm Q/Q Growth	38.41%	25.04%	111.10%
Invested Capital Q/Q Growth	1.07%	3.46%	6.05%
Profitability Metrics	-	-	-
Gross Margin	73.18%	64.02%	70.46%
EBITDA Margin	32.32%	15.78%	32.16%
Operating Margin	30.48%	12.52%	29.57%
EBIT Margin	30.41%	12.32%	29.53%
Profit (Net Income) Margin	7.95%	-8.32%	12.21%
Tax Burden Percent	80.81%	80.54%	76.23%
Interest Burden Percent	32.34%	-83.86%	54.22%
Effective Tax Rate	19.19%	0.00%	23.77%
Return on Invested Capital (ROIC)	6.26%	1.75%	5.51%
ROIC Less NNEP Spread (ROIC-NNEP)	0.39%	-3.23%	1.74%
Return on Net Nonoperating Assets (RNNOA)	1.02%	-7.04%	3.52%
Return on Equity (ROE)	7.28%	-5.29%	9.04%
Cash Return on Invested Capital (CROIC)	-4.17%	-5.38%	9.59%
Operating Return on Assets (OROA)	7.17%	2.27%	6.68%
Return on Assets (ROA)	1.87%	-1.53%	2.76%
Return on Common Equity (ROCE)	6.89%	-5.01%	8.70%
Return on Equity Simple (ROE_SIMPLE)	7.80%	-5.72%	9.61%
Net Operating Profit after Tax (NOPAT)	275	70	218
NOPAT Margin	24.63%	8.77%	22.54%
Net Nonoperating Expense Percent (NNEP)	5.87%	4.98%	3.78%
Return On Investment Capital (ROIC_SIMPLE)	5.82%	1.65%	5.51%
Cost of Revenue to Revenue	26.82%	35.98%	29.54%
SG&A Expenses to Revenue	5.09%	6.53%	5.25%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	42.70%	51.50%	40.89%
Earnings before Interest and Taxes (EBIT)	339	99	285
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	360	127	311
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.73	0.88	1.07
Price to Tangible Book Value (P/TBV)	1.12	1.40	1.66
Price to Revenue (P/Rev)	0.74	1.28	1.36
Price to Earnings (P/E)	11.67	0.00	11.24
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	8.57%	0.00%	8.90%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.97	1.02
Enterprise Value to Revenue (EV/Rev)	3.86	5.01	4.10
Enterprise Value to EBITDA (EV/EBITDA)	11.94	31.72	12.74
Enterprise Value to EBIT (EV/EBIT)	12.70	40.65	13.87
Enterprise Value to NOPAT (EV/NOPAT)	15.67	57.12	18.17
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	183.38
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	10.45
Leverage & Solvency	-	-	-
Debt to Equity	2.95	2.44	2.07
Long-Term Debt to Equity	2.82	2.35	1.99
Financial Leverage	2.61	2.18	2.03
Leverage Ratio	3.89	3.44	3.27
Compound Leverage Factor	1.26	-2.89	1.77
Debt to Total Capital	74.71%	70.97%	67.46%
Short-Term Debt to Total Capital	3.46%	2.71%	2.86%
Long-Term Debt to Total Capital	71.25%	68.26%	64.60%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	1.24%	1.69%	1.49%
Common Equity to Total Capital	24.05%	27.34%	31.05%
Debt to EBITDA	9.79	23.92	8.58
Net Debt to EBITDA	9.50	23.03	8.31
Long-Term Debt to EBITDA	9.34	23.01	8.22
Debt to NOPAT	12.84	43.07	12.24
Net Debt to NOPAT	12.46	41.47	11.86
Long-Term Debt to NOPAT	12.25	41.43	11.72
Altman Z-Score	1.98	1.82	2.15
Noncontrolling Interest Sharing Ratio	5.38%	5.20%	3.74%
Liquidity Ratios	-	-	-
Current Ratio	11.93	12.48	11.69
Quick Ratio	11.87	12.38	11.58
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-183	-216	379
Operating Cash Flow to CapEx	-2,338.54%	-3,378.42%	162.95%
Free Cash Flow to Firm to Interest Expense	-0.80	-1.19	2.90
Operating Cash Flow to Interest Expense	-0.41	-0.54	0.17
Operating Cash Flow Less CapEx to Interest Expense	-0.43	-0.55	0.06
Efficiency Ratios	-	-	-
Asset Turnover	0.24	0.18	0.23
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	33.80	18.22	18.21
Accounts Payable Turnover	2.14	3.97	51.22
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	170.61	91.98	7.13
Cash Conversion Cycle (CCC)	-170.61	-91.98	-7.13
Capital & Investment Metrics	-	-	-
Invested Capital	4,614	4,157	3,871
Invested Capital Turnover	0.25	0.20	0.24
Increase / (Decrease) in Invested Capital	457	286	-161
Enterprise Value (EV)	4,303	4,018	3,960
Market Capitalization	824	1,028	1,317
Book Value per Share	$28.79	$29.74	$31.50
Tangible Book Value per Share	$18.74	$18.74	$20.31
Total Capital	4,720	4,269	3,954
Total Debt	3,526	3,030	2,667
Total Long-Term Debt	3,363	2,914	2,554
Net Debt	3,421	2,917	2,584
Capital Expenditures (CapEx)	4.05	2.89	13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	3,966	3,496	3,148
Debt-free Net Working Capital (DFNWC)	4,072	3,608	3,231
Net Working Capital (NWC)	3,909	3,492	3,118
Net Nonoperating Expense (NNE)	186	137	100
Net Nonoperating Obligations (NNO)	3,421	2,917	2,584
Total Depreciation and Amortization (D&A)	21	28	25
Debt-free, Cash-free Net Working Capital to Revenue	355.85%	435.55%	325.70%
Debt-free Net Working Capital to Revenue	365.35%	449.57%	334.33%
Net Working Capital to Revenue	350.69%	435.17%	322.64%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$1.79	($2.13)	$2.96
Adjusted Weighted Average Basic Shares Outstanding	39.38M	39.18M	39.64M
Adjusted Diluted Earnings per Share	$1.79	($2.13)	$2.94
Adjusted Weighted Average Diluted Shares Outstanding	39.54M	39.18M	39.89M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	39.51M	39.25M	38.98M
Normalized Net Operating Profit after Tax (NOPAT)	421	159	306
Normalized NOPAT Margin	37.79%	19.86%	31.63%
Pre Tax Income Margin	9.83%	-10.33%	16.01%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	1.48	0.54	2.18
NOPAT to Interest Expense	1.20	0.39	1.67
EBIT Less CapEx to Interest Expense	1.46	0.53	2.08
NOPAT Less CapEx to Interest Expense	1.18	0.37	1.57
Payout Ratios	-	-	-
Dividend Payout Ratio	21.78%	-15.19%	5.67%
Augmented Payout Ratio	21.78%	-15.19%	100.05%

This table displays calculated financial ratios and metrics derived from PRA Group's official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	32.43%	30.05%	35.84%	64.40%	-0.64%	-11.59%	-18.98%	-35.38%	-13.27%	-7.16%
EBITDA Growth	99.63%	78.18%	82.34%	352.31%	-23.84%	-30.34%	-43.40%	-136.55%	-25.61%	-9.43%
EBIT Growth	112.27%	107.17%	94.86%	293.62%	-24.88%	-39.03%	-46.09%	-148.35%	-27.69%	-10.38%
NOPAT Growth	101.49%	205.71%	243.28%	334.35%	-24.35%	-40.09%	-68.60%	-137.05%	-30.73%	-12.84%
Net Income Growth	488.81%	454.83%	2,065.00%	121.80%	-134.35%	-129.99%	-97.04%	-255.71%	-53.12%	-25.87%
EPS Growth	313.64%	322.58%	640.00%	106.00%	-151.16%	-149.21%	-110.99%	-254.64%	-45.57%	-17.11%
Operating Cash Flow Growth	107.02%	6.40%	11.49%	-53.61%	-17.07%	-197.61%	-75.17%	-108.94%	-46.39%	130.39%
Free Cash Flow Firm Growth	-54.67%	-34.97%	-210.30%	-20.62%	-225.05%	90.62%	270.00%	97.45%	39.89%	-191.42%
Invested Capital Growth	11.00%	13.64%	0.00%	3.27%	7.39%	10.08%	0.00%	1.00%	-4.00%	0.00%
Revenue Q/Q Growth	4.18%	-0.97%	11.21%	15.43%	2.30%	3.44%	34.58%	-30.24%	-8.97%	-5.21%
EBITDA Q/Q Growth	3.77%	1.53%	31.96%	43.59%	-7.38%	3.90%	282.60%	-143.34%	-15.28%	-15.57%
EBIT Q/Q Growth	5.22%	0.16%	34.26%	50.03%	2.69%	-5.79%	233.40%	-158.21%	-16.65%	-16.69%
NOPAT Q/Q Growth	-30.29%	39.02%	20.06%	73.18%	5.77%	56.10%	181.96%	-155.90%	-16.25%	-18.17%
Net Income Q/Q Growth	-21.22%	15.16%	113.68%	300.56%	28.11%	-802.67%	102.15%	-415.92%	-37.23%	-30.54%
EPS Q/Q Growth	-31.88%	27.78%	500.00%	140.91%	29.03%	-210.00%	93.33%	-448.84%	-31.75%	-30.77%
Operating Cash Flow Q/Q Growth	222.53%	-18.81%	59.60%	-452.02%	155.40%	-12.35%	29.89%	-290.04%	-34.80%	301.63%
Free Cash Flow Firm Q/Q Growth	13.72%	89.27%	-5,464.15%	69.98%	24.71%	-108.77%	6,184.98%	-131.13%	105.65%	-58.92%
Invested Capital Q/Q Growth	1.07%	5.85%	3.82%	-0.05%	3.46%	0.00%	-100.00%	3.94%	6.05%	-4.73%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	74.44%	72.96%	73.88%	71.20%	67.90%	67.88%	68.56%	47.00%	68.62%	71.25%
EBITDA Margin	33.82%	33.96%	33.12%	27.91%	22.44%	24.78%	24.67%	-18.19%	29.27%	31.46%
Operating Margin	32.10%	31.97%	31.39%	25.98%	20.56%	19.89%	21.77%	-21.64%	26.61%	28.92%
EBIT Margin	32.05%	31.73%	31.37%	25.99%	19.99%	19.92%	21.87%	-22.06%	26.45%	28.88%
Profit (Net Income) Margin	7.77%	10.28%	8.84%	4.60%	-2.65%	-3.77%	0.55%	-34.67%	7.66%	11.10%
Tax Burden Percent	68.22%	102.38%	74.27%	83.12%	87.78%	128.10%	42.37%	74.26%	71.03%	71.06%
Interest Burden Percent	35.54%	31.63%	37.92%	21.29%	-15.08%	-14.76%	5.98%	211.60%	40.76%	54.10%
Effective Tax Rate	31.78%	-2.38%	25.73%	16.88%	0.00%	0.00%	57.63%	0.00%	28.97%	28.94%
Return on Invested Capital (ROIC)	5.57%	7.95%	10.57%	4.77%	2.88%	2.92%	0.00%	-3.34%	4.62%	11.27%
ROIC Less NNEP Spread (ROIC-NNEP)	4.26%	5.88%	7.92%	3.25%	1.51%	1.47%	0.00%	-4.46%	3.68%	9.39%
Return on Net Nonoperating Assets (RNNOA)	11.09%	14.55%	20.48%	7.67%	3.28%	3.29%	0.00%	-9.34%	7.45%	19.59%
Return on Equity (ROE)	16.66%	22.50%	31.04%	12.44%	6.16%	6.21%	0.00%	-12.67%	12.07%	30.86%
Cash Return on Invested Capital (CROIC)	-4.17%	-6.92%	-192.59%	-4.62%	-5.38%	-7.51%	0.00%	2.09%	9.59%	-187.09%
Operating Return on Assets (OROA)	7.55%	7.14%	6.58%	5.33%	3.69%	3.89%	0.00%	-4.53%	5.98%	7.42%
Return on Assets (ROA)	1.83%	2.31%	1.85%	0.94%	-0.49%	-0.74%	0.00%	-7.12%	1.73%	2.85%
Return on Common Equity (ROCE)	15.76%	21.25%	29.55%	11.72%	5.84%	5.88%	0.00%	-12.11%	11.62%	29.52%
Return on Equity Simple (ROE_SIMPLE)	0.00%	4.92%	2.00%	-0.10%	0.00%	-3.93%	0.00%	2.53%	0.00%	12.14%
Net Operating Profit after Tax (NOPAT)	64	92	66	55	32	30	19	-24	42	50
NOPAT Margin	21.90%	32.73%	23.31%	21.59%	14.39%	13.92%	9.23%	-15.15%	18.90%	20.55%
Net Nonoperating Expense Percent (NNEP)	1.31%	2.07%	2.65%	1.51%	1.37%	1.45%	0.00%	1.12%	0.95%	1.87%
Return On Investment Capital (ROIC_SIMPLE)	1.36%	-	-	-	0.75%	-	-	-	1.07%	-
Cost of Revenue to Revenue	25.56%	27.04%	26.12%	28.80%	32.10%	32.12%	31.44%	53.00%	31.38%	28.75%
SG&A Expenses to Revenue	5.45%	4.96%	5.01%	4.92%	6.34%	5.71%	6.19%	8.39%	5.79%	5.37%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	42.33%	41.00%	42.49%	45.23%	47.34%	47.99%	46.78%	68.64%	42.01%	42.33%
Earnings before Interest and Taxes (EBIT)	94	89	89	66	44	43	46	-34	59	71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	99	96	94	71	50	54	52	-28	65	77
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.73	0.72	0.68	0.91	0.88	0.68	0.00	1.30	1.07	1.13
Price to Tangible Book Value (P/TBV)	1.12	1.11	1.06	1.43	1.40	1.07	0.00	2.02	1.66	1.76
Price to Revenue (P/Rev)	0.74	0.85	0.79	1.13	1.28	0.94	1.08	1.72	1.36	1.28
Price to Earnings (P/E)	11.67	20.33	196.01	0.00	0.00	0.00	0.00	81.89	11.24	9.45
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	8.57%	4.92%	0.51%	0.00%	0.00%	0.00%	0.00%	1.22%	8.90%	10.58%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.93	0.91	0.97	0.97	0.91	0.00	1.09	1.02	1.04
Enterprise Value to Revenue (EV/Rev)	3.86	4.05	4.03	4.49	5.01	4.55	0.00	4.97	4.10	3.80
Enterprise Value to EBITDA (EV/EBITDA)	11.94	13.61	14.66	17.89	31.72	25.70	0.00	21.33	12.74	11.40
Enterprise Value to EBIT (EV/EBIT)	12.70	14.62	16.22	20.29	40.65	32.21	0.00	24.28	13.87	12.33
Enterprise Value to NOPAT (EV/NOPAT)	15.67	16.85	24.66	0.00	57.12	45.70	0.00	35.43	18.17	16.13
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	183.38	87.89
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	52.23	10.45	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.95	2.67	2.68	2.56	2.44	2.46	0.00	2.34	2.07	2.14
Long-Term Debt to Equity	2.82	2.57	2.59	2.47	2.35	2.38	0.00	2.25	1.99	2.06
Financial Leverage	2.61	2.47	2.58	2.36	2.18	2.23	0.00	2.10	2.03	2.09
Leverage Ratio	3.89	3.75	3.87	3.61	3.44	3.47	0.00	3.32	3.27	3.29
Compound Leverage Factor	1.38	1.19	1.47	0.77	-0.52	-0.51	0.00	7.02	1.33	1.78
Debt to Total Capital	74.71%	72.77%	72.85%	71.93%	70.97%	71.14%	0.00%	70.02%	67.46%	68.10%
Short-Term Debt to Total Capital	3.46%	2.73%	2.59%	2.66%	2.71%	2.44%	0.00%	2.40%	2.86%	2.38%
Long-Term Debt to Total Capital	71.25%	70.03%	70.26%	69.28%	68.26%	68.70%	0.00%	67.61%	64.60%	65.73%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	1.24%	1.34%	1.30%	1.57%	1.69%	1.80%	0.00%	1.79%	1.49%	1.38%
Common Equity to Total Capital	24.05%	25.90%	25.85%	26.49%	27.34%	27.06%	0.00%	28.19%	31.05%	30.51%
Debt to EBITDA	9.79	11.02	12.01	13.55	23.92	20.62	0.00	14.11	8.58	7.58
Net Debt to EBITDA	9.50	10.57	11.57	13.07	23.03	19.88	0.00	13.57	8.31	7.40
Long-Term Debt to EBITDA	9.34	10.61	11.58	13.05	23.01	19.91	0.00	13.62	8.22	7.31
Debt to NOPAT	12.84	13.65	20.20	-53.45	43.07	36.66	0.00	23.44	12.24	10.72
Net Debt to NOPAT	12.46	13.09	19.46	-51.56	41.47	35.35	0.00	22.53	11.86	10.47
Long-Term Debt to NOPAT	12.25	13.14	19.48	-51.47	41.43	35.41	0.00	22.63	11.72	10.35
Altman Z-Score	1.82	1.81	1.81	1.85	1.78	0.82	0.00	0.93	1.98	1.12
Noncontrolling Interest Sharing Ratio	5.38%	5.56%	4.80%	5.79%	5.20%	5.29%	0.00%	4.44%	3.74%	4.33%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	11.93	14.47	14.21	14.18	12.48	0.59	0.00	0.55	11.69	0.42
Quick Ratio	11.87	14.35	14.08	14.06	12.38	0.43	0.00	0.42	11.58	0.26
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-393	-456	-4,247	-76	-254	-338	3,850	-63	203	-3,599
Operating Cash Flow to CapEx	3,688.14%	-3,339.94%	-2,205.61%	-14,747.27%	3,569.19%	-3,080.91%	-4,856.85%	-11,733.58%	979.48%	1,542.64%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	5.82	-110.91
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.72	1.18
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.64	1.11
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.24	0.23	0.21	0.21	0.18	0.20	0.00	0.21	0.23	0.26
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	33.80	29.62	29.78	22.59	18.22	17.74	0.00	17.58	18.21	19.22
Accounts Payable Turnover	2.14	41.16	28.28	32.63	3.97	46.74	0.00	46.81	51.22	47.07
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	170.61	8.87	12.91	11.19	91.98	7.81	0.00	7.80	7.13	7.75
Cash Conversion Cycle (CCC)	-170.61	-8.87	-12.91	-11.19	-91.98	-7.81	0.00	-7.80	-7.13	-7.75
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	4,614	4,565	4,313	4,155	4,157	4,018	0.00	4,023	3,871	3,650
Invested Capital Turnover	0.25	0.24	0.45	0.22	0.20	0.21	0.00	0.22	0.24	0.55
Increase / (Decrease) in Invested Capital	457	548	4,313	132	286	368	-3,831	40	-161	3,650
Enterprise Value (EV)	4,303	4,228	3,941	4,049	4,018	3,656	0.00	4,376	3,960	3,799
Market Capitalization	824	881	774	1,024	1,028	754	895	1,519	1,317	1,281
Book Value per Share	$28.79	$30.92	$29.11	$28.77	$29.74	$28.43	$0.00	$29.90	$31.50	$29.03
Tangible Book Value per Share	$18.74	$20.19	$18.55	$18.28	$18.74	$17.92	$0.00	$19.26	$20.31	$18.65
Total Capital	4,720	4,707	4,432	4,263	4,269	4,123	0.00	4,134	3,954	3,708
Total Debt	3,526	3,425	3,229	3,066	3,030	2,933	0.00	2,895	2,667	2,525
Total Long-Term Debt	3,363	3,296	3,114	2,953	2,914	2,832	0.00	2,795	2,554	2,437
Net Debt	3,421	3,284	3,110	2,958	2,917	2,828	0.00	2,783	2,584	2,467
Capital Expenditures (CapEx)	1.16	1.05	1.34	0.50	0.58	1.22	0.69	0.41	2.55	2.49
Debt-free, Cash-free Net Working Capital (DFCFNWC)	3,966	3,933	3,690	3,528	3,496	-103	0.00	-132	3,148	-102
Debt-free Net Working Capital (DFNWC)	4,072	4,075	3,809	3,636	3,608	2.45	0.00	-20	3,231	-44
Net Working Capital (NWC)	3,909	3,946	3,694	3,523	3,492	-98	0.00	-120	3,118	-132
Net Nonoperating Expense (NNE)	41	63	41	43	38	38	18	30	25	23
Net Nonoperating Obligations (NNO)	3,421	3,284	3,110	2,958	2,917	2,828	0.00	2,783	2,584	2,467
Total Depreciation and Amortization (D&A)	5.21	6.26	4.97	4.92	5.41	11	5.87	6.03	6.30	6.30
Debt-free, Cash-free Net Working Capital to Revenue	355.85%	377.23%	377.46%	390.86%	435.55%	-12.78%	0.00%	-14.94%	325.70%	-10.19%
Debt-free Net Working Capital to Revenue	365.35%	390.77%	389.62%	402.83%	449.57%	0.31%	0.00%	-2.30%	334.33%	-4.39%
Net Working Capital to Revenue	350.69%	378.43%	377.85%	390.29%	435.17%	-12.20%	0.00%	-13.57%	322.64%	-13.20%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.46	$0.69	$0.55	$0.09	($0.22)	($0.31)	$0.00	$0.00	$0.43	$0.63
Adjusted Weighted Average Basic Shares Outstanding	39.38M	39.42M	39.36M	39.27M	39.18M	39.24M	0.00	0.00	39.64M	39.02M
Adjusted Diluted Earnings per Share	$0.47	$0.69	$0.54	$0.09	($0.22)	($0.31)	$0.00	$0.00	$0.43	$0.63
Adjusted Weighted Average Diluted Shares Outstanding	39.54M	39.49M	39.55M	39.45M	39.18M	39.24M	0.00	0.00	39.89M	39.17M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	39.51M	39.43M	39.42M	39.35M	39.25M	39.24M	0.00	0.00	38.98M	38.98M
Normalized Net Operating Profit after Tax (NOPAT)	99	93	103	87	55	55	54	-0.60	62	73
Normalized NOPAT Margin	33.60%	33.13%	36.13%	34.21%	24.75%	25.45%	25.64%	-0.39%	27.87%	29.94%
Pre Tax Income Margin	11.39%	10.04%	11.90%	5.53%	-3.02%	-2.94%	1.31%	-46.69%	10.78%	15.63%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.69	2.18
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.21	1.55
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.61	2.10
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.13	1.47
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	21.78%	43.04%	115.42%	-1,955.56%	-15.19%	-10.11%	-51.42%	0.00%	5.67%	4.06%
Augmented Payout Ratio	21.78%	43.04%	115.42%	-1,955.56%	-15.19%	-10.11%	-51.42%	0.00%	100.05%	177.66%

Frequently Asked Questions About PRA Group's Financials

When does PRA Group's fiscal year end?

According to the most recent income statement we have on file, PRA Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has PRA Group's net income changed over the last 2 years?

PRA Group's net income appears to be on a downward trend, with a most recent value of $88.57 million in 2024, falling from $118.00 million in 2022. The previous period was -$66.75 million in 2023. Check out PRA Group's forecast to explore projected trends and price targets.

What is PRA Group's operating income?

PRA Group's total operating income in 2024 was $339.73 million, based on the following breakdown:

Total Gross Profit: $815.62 million
Total Operating Expenses: $475.89 million

How has PRA Group revenue changed over the last 2 years?

Over the last 2 years, PRA Group's total revenue changed from $966.52 million in 2022 to $1.11 billion in 2024, a change of 15.3%.

How much debt does PRA Group have?

PRA Group's total liabilities were at $3.74 billion at the end of 2024, a 13.7% increase from 2023, and a 29.4% increase since 2022.

How much cash does PRA Group have?

In the past 2 years, PRA Group's cash and equivalents has ranged from $83.38 million in 2022 to $112.53 million in 2023, and is currently $105.94 million as of their latest financial filing in 2024.

How has PRA Group's book value per share changed over the last 2 years?

Over the last 2 years, PRA Group's book value per share changed from 31.50 in 2022 to 28.79 in 2024, a change of -8.6%.

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This page (NASDAQ:PRAA) was last updated on 5/21/2025 by MarketBeat.com Staff

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PRA Group (PRAA) Financials

Frequently Asked Questions About PRA Group's Financials

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PRA Group (PRAA) Financials

Annual Income Statements for PRA Group

Quarterly Income Statements for PRA Group

Annual Cash Flow Statements for PRA Group

Quarterly Cash Flow Statements for PRA Group

Annual Balance Sheets for PRA Group

Quarterly Balance Sheets for PRA Group

Annual Metrics And Ratios for PRA Group

Quarterly Metrics And Ratios for PRA Group

Frequently Asked Questions About PRA Group's Financials

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