Free Trial
→ Iran's New Leader Just Said Something That Should Terrify Every American (From American Alternative) (Ad)tc pixel Free PRAA Stock Alerts

PRA Group (PRAA) Financials

PRA Group logo
$14.86 -0.30 (-1.98%)
Closing price 04:00 PM Eastern
Extended Trading
$14.88 +0.03 (+0.17%)
As of 06:56 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
Annual Income Statements for PRA Group

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 168 86 164 66 86 149 183 117 -83 71 -305
Consolidated Net Income / (Loss)		 168 92 171 76 98 168 196 118 -67 89 -290
Net Income / (Loss) Continuing Operations		 168 92 171 76 98 168 196 118 -67 89 -290
Total Pre-Tax Income 		258 136 160 89 117 209 250 155 -83 110 -243
Total Operating Income		 310 220 214 185 248 350 375 286 100 340 -30
Total Gross Profit		 674 672 555 589 707 770 794 681 514 816 905
Total Revenue		 942 931 828 908 1,017 1,065 1,096 967 803 1,115 1,202
Operating Revenue		 930 923 820 907 1,014 1,065 1,096 967 803 1,115 1,202
Total Cost of Revenue		 268 259 273 319 310 295 302 286 289 299 297
Operating Cost of Revenue		 268 259 273 319 310 295 302 286 289 299 297
Total Operating Expenses		 363 452 341 404 459 421 419 395 413 476 935
Selling, General & Admin Expense		 69 39 44 47 47 47 61 51 52 57 58
Depreciation Expense		 20 24 20 19 17 18 15 15 19 11 10
Other Operating Expenses / (Income)		 145 158 146 155 181 199 217 214 215 227 228
Impairment Charge		 - - - - - - 0.00 - 0.00 0.00 413
Other Special Charges / (Income)		 129 231 131 181 213 155 126 115 127 181 226
Total Other Income / (Expense), net		 -53 -84 -53 -96 -130 -141 -125 -131 -183 -230 -213
Interest Expense		 60 81 98 121 142 142 124 131 182 229 252
Interest & Investment Income		 - - - - - - - - 0.00 0.00 38
Other Income / (Expense), net		 7.51 -3.26 45 25 12 0.96 -0.53 -0.34 -1.66 -0.86 0.42
Income Tax Expense		 89 44 -11 14 20 41 55 37 -16 21 47
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.21 5.80 6.81 10 12 18 12 0.85 17 18 15
Basic Earnings per Share		 $3.49 $1.86 $3.60 $1.45 $1.90 $3.28 $4.07 $2.96 ($2.13) $1.79 ($7.79)
Weighted Average Basic Shares Outstanding		 48.13M 46.32M 45.67M 45.28M 45.39M 45.54M 44.96M 39.64M 39.18M 39.38M 39.17M
Diluted Earnings per Share		 $3.47 $1.86 $3.59 $1.44 $1.89 $3.26 $4.04 $2.94 ($2.13) $1.79 ($7.79)
Weighted Average Diluted Shares Outstanding		 48.41M 46.39M 45.82M 45.41M 45.58M 45.86M 45.33M 39.89M 39.18M 39.54M 39.17M
Weighted Average Basic & Diluted Shares Outstanding		 48.10M 46.20M 46.30M 45.20M 45.30M 45.59M 40.69M 38.98M 39.25M 39.51M 38.45M

Quarterly Income Statements for PRA Group

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -12 -8.78 3.48 22 27 18 3.66 42 -408 57 28
Consolidated Net Income / (Loss)		 -8.15 -5.86 12 25 29 23 9.06 46 -404 59 32
Net Income / (Loss) Continuing Operations		 -8.15 -5.86 12 25 29 23 9.06 46 -404 59 32
Total Pre-Tax Income 		-6.36 -6.68 14 34 28 33 13 61 -380 62 41
Total Operating Income		 43 46 66 89 90 94 75 85 -316 126 103
Total Gross Profit		 147 150 -72 210 205 218 196 -72 237 813 244
Total Revenue		 216 221 1.86 284 281 293 270 3.46 311 886 315
Operating Revenue		 216 221 1.86 284 281 293 270 3.46 311 886 315
Total Cost of Revenue		 70 71 74 74 76 75 73 76 74 73 71
Operating Cost of Revenue		 70 71 74 74 76 75 73 76 74 73 71
Total Operating Expenses		 104 105 116 121 115 124 122 127 552 134 141
Selling, General & Admin Expense		 12 14 13 14 14 16 13 14 15 16 16
Depreciation Expense		 3.27 8.27 2.72 2.64 2.47 2.97 3.77 2.50 2.44 1.73 1.71
Other Operating Expenses / (Income)		 53 55 61 55 56 55 56 57 59 56 58
Other Special Charges / (Income)		 31 33 39 49 43 50 49 53 63 61 66
Total Other Income / (Expense), net		 -49 -52 201 -55 -62 -61 -61 260 -64 -617 -63
Interest & Investment Income		 -49 - -52 -55 -61 - -61 -24 -64 187 -64
Other Income / (Expense), net		 0.06 -1.26 254 -0.05 -0.67 -0.16 -0.23 284 0.03 -552 0.80
Income Tax Expense		 1.79 -0.82 2.39 8.70 -0.67 11 4.31 15 24 2.65 8.76
Net Income / (Loss) Attributable to Noncontrolling Interest		 4.11 2.92 8.28 3.60 1.77 4.33 5.41 3.34 3.74 2.69 3.56
Basic Earnings per Share		 ($0.31) ($0.22) $0.09 $0.55 $0.69 $0.46 $0.09 $1.08 ($10.43) $1.47 $0.74
Weighted Average Basic Shares Outstanding		 39.24M 39.18M 39.27M 39.36M 39.42M 39.38M 39.55M 39.32M 39.08M 39.17M 38.37M
Diluted Earnings per Share		 ($0.31) ($0.22) $0.09 $0.54 $0.69 $0.47 $0.09 $1.08 ($10.43) $1.47 $0.73
Weighted Average Diluted Shares Outstanding		 39.24M 39.18M 39.45M 39.55M 39.49M 39.54M 39.69M 39.39M 39.08M 39.17M 38.51M
Weighted Average Basic & Diluted Shares Outstanding		 39.24M 39.25M 39.35M 39.42M 39.43M 39.51M 39.66M 39.07M 39.02M 38.45M 38.14M

Annual Cash Flow Statements for PRA Group

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 32 23 16 -11 25 -2.76 -18 21 23 14 -30
Net Cash From Operating Activities		 203 206 15 81 133 142 85 22 -98 -95 -86
Net Cash From Continuing Operating Activities		 203 206 15 81 133 142 85 22 -98 -95 -86
Net Income / (Loss) Continuing Operations		 168 92 171 76 98 168 196 118 -67 89 -290
Consolidated Net Income / (Loss)		 168 92 171 76 98 168 196 118 -67 89 -290
Depreciation Expense		 20 24 20 19 17 18 15 15 19 11 10
Amortization Expense		 4.26 10 18 22 23 21 9.51 10 9.22 11 7.94
Non-Cash Adjustments To Reconcile Net Income		 8.81 108 -31 18 24 -40 -153 -121 -36 -224 201
Changes in Operating Assets and Liabilities, net		 1.92 -29 -162 -54 -29 -26 18 -1.11 -22 19 -15
Net Cash From Investing Activities		 -282 -318 -295 -387 -441 115 160 120 -235 -382 -60
Net Cash From Continuing Investing Activities		 -282 -318 -295 -387 -441 115 160 120 -235 -382 -60
Purchase of Property, Plant & Equipment		 -14 -14 -23 -21 -18 -17 -11 -13 -2.89 -4.05 -4.82
Purchase of Investments		 -1,003 -897 -1,093 -1,148 -1,315 -949 -972 -844 -1,160 -1,407 -1,204
Sale and/or Maturity of Investments		 62 6.90 10 43 75 43 69 66 71 58 107
Other Investing Activities, net		 674 647 717 733 843 1,038 1,075 912 857 971 1,041
Net Cash From Financing Activities		 120 94 296 295 340 -252 -263 -121 355 491 116
Net Cash From Continuing Financing Activities		 120 94 296 295 340 -252 -263 -121 355 491 116
Repayment of Debt		 -516 -1,218 -1,583 -416 -1,044 -1,875 -1,183 -1,624 -493 -2,181 -1,308
Repurchase of Preferred Equity		 - - - - - - - 0.00 -349 -298 0.00
Repurchase of Common Equity		 -166 0.00 -45 - 0.00 0.00 -201 -111 0.00 0.00 -20
Payment of Dividends		 0.00 -0.93 -1.43 -14 -6.88 -30 -21 -6.69 -10 -19 -25
Issuance of Debt		 791 1,284 1,915 737 1,341 1,646 1,120 1,607 1,215 2,930 1,556
Issuance of Common Equity		 - - 0.00 0.00 25 1.12 23 18 0.00 2.40 4.22
Other Financing Activities, net		 11 30 9.97 -12 25 6.29 -1.28 -3.78 -7.61 57 -91
Cash Interest Paid		 50 68 80 97 119 118 112 117 138 224 259
Cash Income Taxes Paid		 86 79 144 73 69 81 78 22 26 5.22 39

Quarterly Cash Flow Statements for PRA Group

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -3.30 -7.49 -4.97 10 21 -12 23 -1.66 -25 -11 78
Net Cash From Operating Activities		 -37 21 -73 -29 -35 43 -53 -13 -10 -9.92 25
Net Cash From Continuing Operating Activities		 -37 21 -73 -29 -35 43 -53 -13 -10 -9.92 25
Net Income / (Loss) Continuing Operations		 -8.15 -5.86 12 25 29 23 9.06 46 -404 59 32
Consolidated Net Income / (Loss)		 -8.15 -5.86 12 25 29 23 9.06 46 -404 59 32
Depreciation Expense		 8.31 3.23 2.72 2.64 2.47 2.97 3.77 2.50 2.44 1.73 1.71
Amortization Expense		 2.22 2.18 2.20 2.33 3.80 2.24 1.90 1.96 1.98 2.10 2.18
Non-Cash Adjustments To Reconcile Net Income		 -24 -5.54 -58 -73 -62 -31 -28 -75 367 -63 -46
Changes in Operating Assets and Liabilities, net		 -16 27 -32 13 -8.27 46 -39 12 22 -10 35
Net Cash From Investing Activities		 -86 -55 15 -111 -88 -199 -24 -9.02 16 -43 -18
Net Cash From Continuing Investing Activities		 -86 -55 15 -111 -88 -199 -24 -9.02 16 -43 -18
Purchase of Property, Plant & Equipment		 -1.22 -0.58 -0.50 -1.34 -1.05 -1.16 -0.90 -1.28 -1.21 -1.43 -1.41
Purchase of Investments		 -316 -285 -246 -379 -350 -432 -337 -402 -257 -256 -359
Sale and/or Maturity of Investments		 - 8.59 58 0.02 - - 49 57 2.11 0.01 55
Other Investing Activities, net		 231 222 203 269 263 234 265 337 272 214 288
Net Cash From Financing Activities		 120 27 53 151 143 144 86 20 -31 41 60
Net Cash From Continuing Financing Activities		 120 27 53 151 143 144 86 20 -31 41 60
Repayment of Debt		 -117 -87 -92 -526 -390 -1,174 -103 -148 -677 -379 -127
Repurchase of Common Equity		 - - - - - - 0.00 - - -10 -10
Payment of Dividends		 -1.19 -7.78 -11 -6.08 -0.60 -1.27 -7.26 -7.78 -8.97 -1.13 -0.70
Issuance of Debt		 236 119 153 682 523 1,571 191 216 685 464 226
Other Financing Activities, net		 2.11 6.29 2.54 0.91 8.16 46 5.37 -30 -29 -36 -28
Effect of Exchange Rate Changes		 - - - - - - 14 - - - 11
Cash Interest Paid		 60 27 77 40 60 48 87 46 81 45 84
Cash Income Taxes Paid		 7.62 -2.94 8.62 6.71 0.13 -10 6.51 13 13 5.49 0.06

Annual Balance Sheets for PRA Group

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,991 3,164 3,701 3,910 - 4,453 4,366 4,176 4,525 4,931 5,103
Total Current Assets		 104 159 158 162 - 131 129 3,410 3,797 4,332 4,810
Cash & Equivalents		 71 94 121 99 - 109 88 83 113 106 104
Note & Lease Receivable		 - - - - - - - 3,295 3,657 4,141 4,688
Current Deferred & Refundable Income Taxes		 1.72 9.43 22 17 - 22 41 32 28 20 18
Plant, Property, & Equipment, net		 45 39 49 54 - 58 55 52 36 29 25
Total Noncurrent Assets		 2,841 2,967 3,494 3,694 - 4,264 4,183 714 692 570 268
Goodwill		 495 500 527 464 - 493 480 436 432 396 27
Noncurrent Deferred & Refundable Income Taxes		 13 28 56 61 - 83 68 57 75 75 77
Other Noncurrent Operating Assets		 107 102 111 78 - 173 207 221 186 98 164
Total Liabilities & Shareholders' Equity		 2,991 3,164 3,701 3,910 - 4,453 4,366 4,176 4,525 4,931 5,103
Total Liabilities		 2,151 2,238 2,551 2,779 - 3,080 3,041 2,889 3,286 3,738 4,063
Total Current Liabilities		 172 192 209 191 - 265 276 292 304 358 317
Short-Term Debt		 47 76 99 83 - 133 125 113 116 163 106
Accounts Payable		 4.19 2.46 4.99 6.11 - 5.29 3.82 7.33 138 141 132
Current Deferred & Payable Income Tax Liabilities		 21 20 11 15 - 30 19 26 18 29 30
Other Current Liabilities		 4.40 11 9.02 7.37 - - - 34 33 24 49
Total Noncurrent Liabilities		 1,979 2,047 2,341 2,589 - 2,814 2,766 2,597 2,982 3,380 3,747
Long-Term Debt		 1,717 1,784 2,170 2,474 - 2,661 2,609 2,495 2,914 3,327 3,697
Capital Lease Obligations		 - - - - - 57 61 59 - 36 32
Noncurrent Deferred & Payable Income Tax Liabilities		 261 258 171 115 - 41 37 43 17 17 17
Total Equity & Noncontrolling Interests		 840 917 1,141 1,124 - 1,374 1,325 1,287 1,239 1,194 1,040
Total Preferred & Common Equity		 800 864 1,091 1,095 - 1,342 1,286 1,228 1,167 1,135 980
Preferred Stock		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 800 864 1,091 1,095 - 1,342 1,286 1,228 1,167 1,135 980
Common Stock		 65 67 54 61 - 76 0.41 2.56 7.46 18 12
Retained Earnings		 964 1,049 1,215 1,276 - 1,512 1,553 1,573 1,490 1,560 1,255
Accumulated Other Comprehensive Income / (Loss)		 -229 -252 -179 -242 - -246 -267 -348 -330 -443 -287
Noncontrolling Interest		 39 53 50 29 - 32 38 59 72 59 60

Quarterly Balance Sheets for PRA Group

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 2022 Q1 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,895 4,321 4,330 4,482 4,662 4,936 5,148 5,435 4,999 5,207
Total Current Assets		 94 148 144 3,790 3,974 4,239 4,460 4,718 4,697 4,778
Cash & Equivalents		 58 111 105 108 119 141 129 132 107 125
Note & Lease Receivable		 - - - 3,650 3,820 4,064 4,308 4,563 4,572 4,637
Current Deferred & Refundable Income Taxes		 36 36 39 32 35 33 23 24 17 16
Plant, Property, & Equipment, net		 52 46 39 34 33 32 27 26 25 25
Total Noncurrent Assets		 3,749 4,127 4,148 658 655 665 661 690 277 405
Goodwill		 404 415 413 412 416 423 421 439 27 27
Noncurrent Deferred & Refundable Income Taxes		 54 57 55 79 76 88 80 92 94 71
Other Noncurrent Operating Assets		 253 231 219 167 163 154 160 158 156 307
Total Liabilities & Shareholders' Equity		 3,895 4,321 4,330 4,482 4,662 4,936 5,148 5,435 4,999 5,207
Total Liabilities		 2,713 3,081 3,140 3,286 3,459 3,654 3,868 4,038 4,015 4,138
Total Current Liabilities		 227 267 242 267 280 293 351 372 359 309
Short-Term Debt		 88 99 101 113 115 129 188 169 140 79
Accounts Payable		 6.15 6.35 6.16 11 10 8.18 103 124 116 100
Current Deferred & Payable Income Tax Liabilities		 16 19 16 24 24 28 29 38 49 30
Other Current Liabilities		 12 24 13 21 17 20 31 42 55 99
Total Noncurrent Liabilities		 2,486 2,814 2,898 3,018 3,179 3,361 3,517 3,666 3,656 3,829
Long-Term Debt		 2,380 2,740 2,832 2,953 3,114 3,296 3,466 3,614 3,607 3,779
Noncurrent Deferred & Payable Income Tax Liabilities		 49 18 14 17 18 20 20 22 18 19
Other Noncurrent Operating Liabilities		 - - 52 49 47 45 31 29 31 32
Total Equity & Noncontrolling Interests		 1,183 1,240 1,190 1,196 1,203 1,282 1,281 1,397 984 1,069
Total Preferred & Common Equity		 1,131 1,166 1,116 1,129 1,145 1,219 1,219 1,337 928 1,002
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,131 1,166 1,116 1,129 1,145 1,219 1,219 1,337 928 1,002
Common Stock		 0.39 2.93 4.55 9.32 13 16 20 14 18 3.67
Retained Earnings		 1,557 1,511 1,498 1,493 1,515 1,542 1,564 1,606 1,198 1,283
Accumulated Other Comprehensive Income / (Loss)		 -426 -348 -387 -373 -382 -339 -365 -284 -288 -285
Noncontrolling Interest		 51 74 74 67 58 63 61 60 55 66

Annual Metrics And Ratios for PRA Group

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 48,206,421.00 46,345,980.00 45,169,039.00 45,303,302.00 45,410,939.00 45,579,983.00 43,613,019.00 - - - 39,015,442.00
DEI Adjusted Shares Outstanding		 48,206,421.00 46,345,980.00 45,169,039.00 45,303,302.00 45,410,939.00 45,579,983.00 43,613,019.00 - - - 39,015,442.00
DEI Earnings Per Adjusted Shares Outstanding		 3.48 1.86 3.64 1.45 1.90 3.28 4.20 - - - -7.82
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Net Operating Profit after Tax (NOPAT)		 203 149 228 157 206 281 293 218 70 275 -21
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - 5.51% 1.65% 5.82% -0.43%
Earnings before Interest and Taxes (EBIT)		 318 216 258 211 259 351 374 285 99 339 -30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 342 251 296 252 300 390 399 311 127 360 -11
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 43 29 -418 -133 3,794 -3,836 377 379 -216 -183 -178
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,532 2,653 3,298 3,588 0.00 4,116 4,032 3,871 4,157 4,614 4,771
Increase / (Decrease) in Invested Capital		 160 120 646 289 -3,588 4,116 -85 -161 286 457 157
Book Value per Share		 $16.61 $18.65 $24.14 $24.17 $0.00 $29.44 $29.49 $31.50 $29.74 $28.79 $25.11
Tangible Book Value per Share		 $5.84 $7.26 $11.97 $13.81 $0.00 $18.63 $18.48 $20.31 $18.74 $18.74 $24.43
Total Capital		 2,604 2,786 3,419 3,687 0.00 4,225 4,119 3,954 4,269 4,720 4,876
Total Debt		 1,764 1,860 2,269 2,556 0.00 2,851 2,795 2,667 3,030 3,526 3,836
Total Long-Term Debt		 1,717 1,784 2,170 2,474 0.00 2,719 2,670 2,554 2,914 3,363 3,729
Net Debt		 1,693 1,766 2,148 2,458 0.00 2,743 2,707 2,584 2,917 3,421 3,731
Capital Expenditures (CapEx)		 14 14 -70 16 -13 17 11 13 2.89 4.05 4.82
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -93 -51 -73 -45 0.00 -110 -110 3,148 3,496 3,966 4,564
Debt-free Net Working Capital (DFNWC)		 -21 43 47 54 0.00 -1.77 -22 3,231 3,608 4,072 4,668
Net Working Capital (NWC)		 -68 -33 -51 -29 0.00 -135 -147 3,118 3,492 3,909 4,562
Net Nonoperating Expense (NNE)		 34 57 57 81 108 113 97 100 137 186 269
Net Nonoperating Obligations (NNO)		 1,693 1,727 2,148 2,458 0.00 2,743 2,707 2,584 2,917 3,421 3,731
Total Depreciation and Amortization (D&A)		 24 35 38 41 40 40 25 25 28 21 18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.49 $1.84 $3.55 $1.45 $1.90 $3.28 $4.07 $2.96 ($2.13) $1.79 ($7.79)
Adjusted Weighted Average Basic Shares Outstanding		 48.13M 46.32M 45.67M 45.28M 45.39M 45.54M 44.96M 39.64M 39.18M 39.38M 39.17M
Adjusted Diluted Earnings per Share		 $3.47 $1.83 $3.54 $1.44 $1.89 $3.26 $4.04 $2.94 ($2.13) $1.79 ($7.79)
Adjusted Weighted Average Diluted Shares Outstanding		 48.41M 46.39M 45.82M 45.41M 45.58M 45.86M 45.33M 39.89M 39.18M 39.54M 39.17M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.90 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 46.22M 46.41M 45.23M 45.33M 45.42M 45.59M 40.69M 38.98M 39.25M 39.51M 38.45M
Normalized Net Operating Profit after Tax (NOPAT)		 287 306 242 310 384 405 391 306 159 421 426
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for PRA Group

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 39,509,560.00 39,658,699.00 39,073,697.00 39,015,442.00 38,453,344.00
DEI Adjusted Shares Outstanding		 - - - - - - 39,509,560.00 39,658,699.00 39,073,697.00 39,015,442.00 38,453,344.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.09 1.07 -10.43 1.45 0.73
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.59% -0.64% 64.40% 35.84% 30.05% 32.43% -60.18% -98.78% 10.54% - 16.66%
EBITDA Growth		 -30.34% -23.84% 352.31% 82.34% 78.18% 99.63% 7.33% 297.06% -425.50% - 34.91%
EBIT Growth		 -39.03% -24.88% 293.62% 94.86% 107.17% 112.27% 7.21% 314.17% -453.28% - 39.96%
NOPAT Growth		 -40.09% -24.35% 334.35% 243.28% 205.71% 101.49% -8.44% -3.95% -339.78% - 60.14%
Net Income Growth		 -129.99% -134.35% 121.80% 2,065.00% 454.83% 488.81% -22.88% 82.02% -1,496.74% - 250.53%
EPS Growth		 -149.21% -151.16% 106.00% 640.00% 322.58% 313.64% 0.00% 100.00% -1,611.59% - 711.11%
Operating Cash Flow Growth		 -197.61% -17.07% -53.61% 11.49% 6.40% 107.02% 27.97% 56.22% 71.08% - 147.43%
Free Cash Flow Firm Growth		 90.62% -225.05% -20.62% -210.30% -34.97% -54.67% -686.88% 84.20% 38.87% - 114.14%
Invested Capital Growth		 10.08% 7.39% 3.27% 0.00% 13.64% 11.00% 15.67% 17.03% 1.26% - -0.08%
Revenue Q/Q Growth		 3.44% 2.30% 15.43% 11.21% -0.97% 4.18% -99.75% 368.47% 8,887.29% - -64.52%
EBITDA Q/Q Growth		 3.90% -7.38% 43.59% 31.96% 1.53% 3.77% 251.78% 7.13% -183.23% - 125.52%
EBIT Q/Q Growth		 -5.79% 2.69% 50.03% 34.26% 0.16% 5.22% 265.24% 7.60% -185.43% - 124.38%
NOPAT Q/Q Growth		 56.10% 5.77% 73.18% 20.06% 39.02% -30.29% -21.30% 25.95% -447.04% - -32.68%
Net Income Q/Q Growth		 -802.67% 28.11% 300.56% 113.68% 15.16% -21.22% -60.22% 404.34% -983.70% - -46.34%
EPS Q/Q Growth		 -210.00% 29.03% 140.91% 500.00% 27.78% -31.88% -80.85% 1,100.00% -1,065.74% - -50.34%
Operating Cash Flow Q/Q Growth		 -12.35% 155.40% -452.02% 59.60% -18.81% 222.53% -222.48% 75.45% 21.52% - 351.41%
Free Cash Flow Firm Q/Q Growth		 -108.77% 24.71% 69.98% -5,464.15% 89.27% 13.72% -52.74% -11.73% 58.48% - 330.36%
Invested Capital Q/Q Growth		 0.00% 3.46% -0.05% 3.82% 5.85% 1.07% 4.15% 5.04% -8.41% - 0.64%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 67.88% 67.90% 71.20% 73.88% 72.96% 74.44% -9,821.92% -2,087.29% 76.14% - 77.51%
EBITDA Margin		 24.78% 22.44% 27.91% 33.12% 33.96% 33.82% 47,211.91% 10,796.56% -99.99% - 34.32%
Operating Margin		 19.89% 20.56% 25.98% 31.39% 31.97% 32.10% 10,091.61% 2,458.43% -101.42% - 32.83%
EBIT Margin		 19.92% 19.99% 25.99% 31.37% 31.73% 32.05% 46,444.65% 10,667.59% -101.41% - 33.08%
Profit (Net Income) Margin		 -3.77% -2.65% 4.60% 8.84% 10.28% 7.77% 1,226.52% 1,320.42% -129.83% - 10.10%
Tax Burden Percent		 128.10% 87.78% 83.12% 74.27% 102.38% 68.22% 67.76% 74.78% 106.42% - 78.38%
Interest Burden Percent		 -14.76% -15.08% 21.29% 37.92% 31.63% 35.54% 3.90% 16.55% 120.31% - 38.96%
Effective Tax Rate		 0.00% 0.00% 16.88% 25.73% -2.38% 31.78% 32.24% 25.22% 0.00% - 21.62%
Return on Invested Capital (ROIC)		 2.92% 2.88% 4.77% 10.57% 7.95% 5.57% 1,699.50% 327.05% -13.32% - 6.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.47% 1.51% 3.25% 7.92% 5.88% 4.26% 1,698.22% 326.52% -18.61% - 5.32%
Return on Net Nonoperating Assets (RNNOA)		 3.29% 3.28% 7.67% 20.48% 14.55% 11.09% 4,445.25% 849.15% -56.87% - 16.45%
Return on Equity (ROE)		 6.21% 6.16% 12.44% 31.04% 22.50% 16.66% 6,144.75% 1,176.20% -70.20% - 23.13%
Cash Return on Invested Capital (CROIC)		 -7.51% -5.38% -4.62% -192.59% -6.92% -4.17% -8.41% -9.95% -2.20% - 0.06%
Operating Return on Assets (OROA)		 3.89% 3.69% 5.33% 6.58% 7.14% 7.55% 10,739.45% 1,759.44% -17.60% - 7.97%
Return on Assets (ROA)		 -0.74% -0.49% 0.94% 1.85% 2.31% 1.83% 283.61% 217.78% -22.54% - 2.43%
Return on Common Equity (ROCE)		 5.88% 5.84% 11.72% 29.55% 21.25% 15.76% 5,826.20% 1,123.04% -66.53% - 21.87%
Return on Equity Simple (ROE_SIMPLE)		 -3.93% 0.00% -0.10% 2.00% 4.92% 0.00% 7.04% 0.00% 0.00% - 0.00%
Net Operating Profit after Tax (NOPAT)		 30 32 55 66 92 64 51 64 -221 120 81
NOPAT Margin		 13.92% 14.39% 21.59% 23.31% 32.73% 21.90% 6,838.39% 1,838.48% -70.99% - 25.73%
Net Nonoperating Expense Percent (NNEP)		 1.45% 1.37% 1.51% 2.65% 2.07% 1.31% 1.28% 0.53% 5.29% - 1.35%
Return On Investment Capital (ROIC_SIMPLE)		 - 0.75% - - - 1.36% 1.02% 1.23% -4.67% 2.47% 1.64%
Cost of Revenue to Revenue		 32.12% 32.10% 28.80% 26.12% 27.04% 25.56% 9,921.92% 2,187.29% 23.86% - 22.49%
SG&A Expenses to Revenue		 5.71% 6.34% 4.92% 5.01% 4.96% 5.45% 1,745.33% 417.74% 4.96% - 4.95%
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		 47.99% 47.34% 45.23% 42.49% 41.00% 42.33% 16,470.77% 3,664.15% 177.56% - 44.68%
Earnings before Interest and Taxes (EBIT)		 43 44 66 89 89 94 343 369 -316 -427 104
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 54 50 71 94 96 99 349 374 -311 -423 108
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.68 0.88 0.91 0.68 0.72 0.73 0.67 0.44 0.65 - 0.67
Price to Tangible Book Value (P/TBV)		 1.07 1.40 1.43 1.06 1.11 1.12 1.02 0.65 0.67 - 0.69
Price to Revenue (P/Rev)		 0.94 1.28 1.13 0.79 0.85 0.74 0.73 0.70 0.70 - 0.54
Price to Earnings (P/E)		 0.00 0.00 0.00 196.01 20.33 11.67 11.51 6.38 0.00 - 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.51% 4.92% 8.57% 8.69% 15.67% 0.00% - 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.97 0.97 0.91 0.93 0.93 0.92 0.85 0.93 - 0.93
Enterprise Value to Revenue (EV/Rev)		 4.55 5.01 4.49 4.03 4.05 3.86 3.95 5.16 4.98 - 3.59
Enterprise Value to EBITDA (EV/EBITDA)		 25.70 31.72 17.89 14.66 13.61 11.94 11.46 6.47 16.72 - 271.87
Enterprise Value to EBIT (EV/EBIT)		 32.21 40.65 20.29 16.22 14.62 12.70 12.16 6.69 18.11 - 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 45.70 57.12 0.00 24.66 16.85 15.67 16.03 15.98 0.00 - 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1,566.05
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.46 2.44 2.56 2.68 2.67 2.95 2.85 2.71 3.81 - 3.61
Long-Term Debt to Equity		 2.38 2.35 2.47 2.59 2.57 2.82 2.71 2.59 3.67 - 3.54
Financial Leverage		 2.23 2.18 2.36 2.58 2.47 2.61 2.62 2.60 3.06 - 3.09
Leverage Ratio		 3.47 3.44 3.61 3.87 3.75 3.89 3.89 3.88 4.39 - 4.41
Compound Leverage Factor		 -0.51 -0.52 0.77 1.47 1.19 1.38 0.15 0.64 5.28 - 1.72
Debt to Total Capital		 71.14% 70.97% 71.93% 72.85% 72.77% 74.71% 74.05% 73.04% 79.20% - 78.31%
Short-Term Debt to Total Capital		 2.44% 2.71% 2.66% 2.59% 2.73% 3.46% 3.80% 3.26% 2.95% - 1.60%
Long-Term Debt to Total Capital		 68.70% 68.26% 69.28% 70.26% 70.03% 71.25% 70.24% 69.78% 76.25% - 76.71%
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		 1.80% 1.69% 1.57% 1.30% 1.34% 1.24% 1.24% 1.15% 1.17% - 1.35%
Common Equity to Total Capital		 27.06% 27.34% 26.49% 25.85% 25.90% 24.05% 24.71% 25.81% 19.63% - 20.35%
Debt to EBITDA		 20.62 23.92 13.55 12.01 11.02 9.79 9.51 5.70 14.58 - 234.52
Net Debt to EBITDA		 19.88 23.03 13.07 11.57 10.57 9.50 9.18 5.50 14.16 - 226.94
Long-Term Debt to EBITDA		 19.91 23.01 13.05 11.58 10.61 9.34 9.02 5.45 14.03 - 229.74
Debt to NOPAT		 36.66 43.07 -53.45 20.20 13.65 12.84 13.31 14.07 -86.72 - -3,453.19
Net Debt to NOPAT		 35.35 41.47 -51.56 19.46 13.09 12.46 12.84 13.58 -84.23 - -3,341.50
Long-Term Debt to NOPAT		 35.41 41.43 -51.47 19.48 13.14 12.25 12.63 13.44 -83.48 - -3,382.71
Altman Z-Score		 0.82 1.78 1.85 1.81 1.81 1.82 1.95 1.84 1.43 - 1.78
Noncontrolling Interest Sharing Ratio		 5.29% 5.20% 5.79% 4.80% 5.56% 5.38% 5.18% 4.52% 5.23% - 5.44%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 0.59 12.48 14.18 14.21 14.47 11.93 12.71 12.68 13.07 - 15.47
Quick Ratio		 0.43 12.38 14.06 14.08 14.35 11.87 12.64 12.62 13.02 - 15.42
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -338 -254 -76 -4,247 -456 -393 -601 -671 -279 -37 85
Operating Cash Flow to CapEx		 -3,080.91% 3,569.19% -14,747.27% -2,205.61% -3,339.94% 3,688.14% -5,842.22% -1,010.17% -834.60% - 1,768.58%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.20 0.18 0.21 0.21 0.23 0.24 0.23 0.16 0.17 - 0.24
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		 17.74 18.22 22.59 29.78 29.62 33.80 36.45 28.12 30.28 - 48.32
Accounts Payable Turnover		 46.74 3.97 32.63 28.28 41.16 2.14 5.24 4.47 4.82 - 2.89
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)		 7.81 91.98 11.19 12.91 8.87 170.61 69.62 81.67 75.69 - 126.35
Cash Conversion Cycle (CCC)		 -7.81 -91.98 -11.19 -12.91 -8.87 -170.61 -69.62 -81.67 -75.69 - -126.35
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,018 4,157 4,155 4,313 4,565 4,614 4,806 5,048 4,623 4,771 4,802
Invested Capital Turnover		 0.21 0.20 0.22 0.45 0.24 0.25 0.25 0.18 0.19 - 0.26
Increase / (Decrease) in Invested Capital		 368 286 132 4,313 548 457 651 735 58 157 -3.97
Enterprise Value (EV)		 3,656 4,018 4,049 3,941 4,228 4,303 4,401 4,296 4,298 - 4,472
Market Capitalization		 754 1,028 1,024 774 881 824 815 585 603 - 673
Book Value per Share		 $28.43 $29.74 $28.77 $29.11 $30.92 $28.79 $30.86 $33.71 $23.76 $25.11 $26.07
Tangible Book Value per Share		 $17.92 $18.74 $18.28 $18.55 $20.19 $18.74 $20.21 $22.63 $23.07 $24.43 $25.37
Total Capital		 4,123 4,269 4,263 4,432 4,707 4,720 4,934 5,179 4,731 4,876 4,926
Total Debt		 2,933 3,030 3,066 3,229 3,425 3,526 3,654 3,783 3,747 3,836 3,858
Total Long-Term Debt		 2,832 2,914 2,953 3,114 3,296 3,363 3,466 3,614 3,607 3,729 3,779
Net Debt		 2,828 2,917 2,958 3,110 3,284 3,421 3,525 3,651 3,639 3,731 3,733
Capital Expenditures (CapEx)		 1.22 0.58 0.50 1.34 1.05 1.16 0.90 1.28 1.21 1.43 1.41
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -103 3,496 3,528 3,690 3,933 3,966 4,169 4,383 4,370 4,564 4,423
Debt-free Net Working Capital (DFNWC)		 2.45 3,608 3,636 3,809 4,075 4,072 4,297 4,515 4,477 4,668 4,548
Net Working Capital (NWC)		 -98 3,492 3,523 3,694 3,946 3,909 4,110 4,346 4,338 4,562 4,469
Net Nonoperating Expense (NNE)		 38 38 43 41 63 41 41 18 183 61 49
Net Nonoperating Obligations (NNO)		 2,828 2,917 2,958 3,110 3,284 3,421 3,525 3,651 3,639 3,731 3,733
Total Depreciation and Amortization (D&A)		 11 5.41 4.92 4.97 6.26 5.21 5.67 4.47 4.42 3.82 3.89
Debt-free, Cash-free Net Working Capital to Revenue		 -12.78% 435.55% 390.86% 377.46% 377.23% 355.85% 374.40% 526.44% 506.76% - 354.74%
Debt-free Net Working Capital to Revenue		 0.31% 449.57% 402.83% 389.62% 390.77% 365.35% 385.95% 542.24% 519.22% - 364.75%
Net Working Capital to Revenue		 -12.20% 435.17% 390.29% 377.85% 378.43% 350.69% 369.09% 521.99% 503.02% - 358.43%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.31) ($0.22) $0.09 $0.55 $0.69 $0.46 $0.09 $1.08 ($10.43) $1.47 $0.74
Adjusted Weighted Average Basic Shares Outstanding		 39.24M 39.18M 39.27M 39.36M 39.42M 39.38M 39.55M 39.32M 39.08M 39.17M 38.37M
Adjusted Diluted Earnings per Share		 ($0.31) ($0.22) $0.09 $0.54 $0.69 $0.47 $0.09 $1.08 ($10.43) $1.47 $0.73
Adjusted Weighted Average Diluted Shares Outstanding		 39.24M 39.18M 39.45M 39.55M 39.49M 39.54M 39.69M 39.39M 39.08M 39.17M 38.51M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 39.24M 39.25M 39.35M 39.42M 39.43M 39.51M 39.66M 39.07M 39.02M 38.45M 38.14M
Normalized Net Operating Profit after Tax (NOPAT)		 55 55 87 103 93 99 83 103 112 178 132
Normalized NOPAT Margin		 25.45% 24.75% 34.21% 36.13% 33.13% 33.60% 11,297.01% 2,987.82% 36.08% - 42.06%
Pre Tax Income Margin		 -2.94% -3.02% 5.53% 11.90% 10.04% 11.39% 1,810.01% 1,765.68% -122.00% - 12.89%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -10.11% -15.19% -1,955.56% 115.42% 43.04% 21.78% 17.72% 15.89% -7.74% - -6.95%
Augmented Payout Ratio		 -10.11% -15.19% -1,955.56% 115.42% 43.04% 21.78% 17.72% 25.28% -10.81% - -18.17%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor-focused read on PRA Group (NASDAQ: PRAA) using the provided quarterly statements. Over the last four years, PRAA has shown meaningful volatility in earnings and cash flow, with a large debt load and uneven operating cash generation. The latest Q4 2025 results show a notable improvement in net income and gross profitability, but operating cash flow remains modestly negative. Debt issuance and equity financing in late 2025 helped liquidity, while the balance sheet remains sized around several billions in assets and liabilities. Investors should watch ongoing cash generation versus the company’s large debt burden and any one-time, non-cash or non-core items that can swing quarterly results.

  • Net income for Q4 2025 continued operations: 59,215,000 USD. This adds to a positive post-tax result despite weaker cash flow from operations.
  • Strong gross profitability in Q4 2025: Total revenue 886,496,000 USD with gross profit 813,115,000 USD (gross margin ≈ 91.8%).
  • Solid Q4 2025 per-share figures: Basic EPS 1.47 USD; Diluted EPS 1.47 USD; Weighted average shares outstanding about 39.17 million (Q4 2025).
  • Liquidity action in Q4 2025: Issuance of debt 463,822,000 USD and issuance of common equity 4,216,000 USD; Net cash from financing activities 41,408,000 USD. This indicates external funding support for liquidity needs.
  • Mid-year balance sheet scale and equity reference: As of Q3 2025, Total Assets ≈ 4.999B USD and Total Liabilities ≈ 4.015B USD, with Total Equity ≈ 928.5M USD, reflecting a sizable, albeit leveraged, balance sheet base.
  • Non-cash adjustments and operating asset/liability changes: In Q4 2025, Non-Cash Adjustments To Reconcile Net Income were −62,666,000 USD, and Changes in Operating Assets and Liabilities net were −10,292,000 USD; these contribute to the negative cash from operations despite positive earnings.
  • 2025 operating cash flow under pressure: Net Cash From Continuing Operating Activities and Net Cash From Operating Activities were negative in every 2025 quarter (Q1: −52,580,000; Q2: −12,910,000; Q3: −10,132,000; Q4: −9,919,000 USD), signaling weaker cash conversion from earnings.
  • Volatility and one-time items impacting pretax income: 2025 Q4 shows a large negative Total Other Income / (Expense), net (−616,830,000 USD pre-tax), while pretax income remained modest positive; such swings can mask core operating performance.
  • Heavy debt load with ongoing interest expense: Long-Term Debt generally around 3.0–3.6B USD (e.g., 3,606,978,000 USD in Q3 2025; 3,614,208,000 USD in Q2 2025), implying persistent interest expense and leverage risk.
  • Quarterly earnings volatility including a deep quarterly loss: For example, Q3 2025 shows a large net loss and a negative EPS (Diluted EPS as low as −10.43 USD in some quarters), illustrating sensitivity to non-core items and capital structure effects.
05/18/26 07:52 PM ETAI Generated. May Contain Errors.

PRA Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, PRA Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

PRA Group's net income appears to be on a downward trend, with a most recent value of -$289.97 million in 2025, falling from $168.13 million in 2015. The previous period was $88.57 million in 2024. Find out what analysts predict for PRA Group in the coming months.

PRA Group's total operating income in 2025 was -$30.27 million, based on the following breakdown:
  • Total Gross Profit: $905.17 million
  • Total Operating Expenses: $935.45 million

Over the last 10 years, PRA Group's total revenue changed from $942.02 million in 2015 to $1.20 billion in 2025, a change of 27.6%.

PRA Group's total liabilities were at $4.06 billion at the end of 2025, a 8.7% increase from 2024, and a 88.9% increase since 2015.

In the past 10 years, PRA Group's cash and equivalents has ranged from $0.00 in 2019 to $120.52 million in 2017, and is currently $104.41 million as of their latest financial filing in 2025.

Over the last 10 years, PRA Group's book value per share changed from 16.61 in 2015 to 25.11 in 2025, a change of 51.2%.


Related Companies

Financial statements for NASDAQ:PRAA last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Trump's gold order: the announcement they won't put on the front page
On August 15, 1971, Nixon interrupted prime-time television and ended the gold standard in 15 minutes - no deb...
Reagan Gold Group | Sponsoredtc pixel
Iran's New Leader Just Said Something That Should Terrify Every American
Iran's Supreme Leader has declared the Strait of Hormuz closed as leverage against the U.S. - and with 40% of ...
American Alternative | Sponsoredtc pixel
Hey, it's Jon Najarian. The SpaceX IPO is right around the corner. But I discovered Elon may have something BIGGER planned. Check this out before June 9th...
After being invited to the SpaceX launch headquarters in Cape Canaveral from one of Elon's top lobbyists… Hall...
Banyan Hill Publishing | Sponsoredtc pixel
SpaceX eyes a 1.75 trillion valuation - here's what to know
Elon Musk's team has quietly filed confidential paperwork with the SEC for what Bloomberg estimates could be a...
Brownstone Research | Sponsoredtc pixel
They're not telling you how bad this could get
Valuations are stretched to levels seen only a handful of times in the last hundred years — yet most retiremen...
Parkview Capital Group | Sponsoredtc pixel
The cat is out the bag
Almost 80,000 tech jobs vanished in the first three months of 2026. Meta cut 14,000 roles, Microsoft offered s...
Porter & Company | Sponsoredtc pixel
Memorial Day Sale: They Laughed at Elon
Google, Amazon, and Microsoft are all hitting the same wall - data centers maxing out, power grids strained, a...
Weiss Ratings | Sponsoredtc pixel
Your $29.97 book is free today
Bill Poulos is giving away his 'Safe Trade Options Formula' book at no charge - the same book that sells for $...
Profits Run | Sponsoredtc pixel