PRAA · Pra Group Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.20B | $1.11B | $802.55M | $966.52M | $1.10B | $1.07B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $1.23B | $774.79M | $702.06M | $680.72M | $720.74M | $715.71M |
| D&A | $8.80M | $10.60M | $13.10M | $14.90M | $15.10M | $15.60M |
| Operating Income | ($30.27M) | $339.73M | $100.49M | $285.80M | $375.00M | $349.70M |
| Interest Expense | - | - | $194.67M | $132.91M | $125.23M | $142.73M |
| Income Tax | $46.73M | $21.03M | ($16.13M) | $36.79M | $54.82M | $41.20M |
| Net Income | ($305.14M) | $70.60M | ($83.48M) | $117.15M | $183.16M | $149.34M |
| EPS - Basic | ($7.79) | $1.79 | ($2.13) | $2.96 | $4.07 | $3.28 |
| EPS - Diluted | ($7.79) | $1.79 | ($2.13) | $2.94 | $4.04 | $3.26 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $104.41M | $105.94M | $112.53M | $83.38M | $87.58M | $108.61M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.10B | $4.93B | $4.53B | $4.18B | $4.37B | $4.45B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $4.06B | $3.74B | $3.29B | $2.89B | $3.04B | $3.08B |
| Stockholders' Equity | $979.85M | $1.14B | $1.17B | $1.23B | $1.29B | $1.34B |
| Retained Earnings | $1.26B | $1.56B | $1.49B | $1.57B | $1.55B | $1.51B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | ($85.54M) | ($94.59M) | ($97.53M) | $21.59M | $84.92M | $141.70M |
| Investing Cash Flow | ($59.94M) | ($382.47M) | ($234.86M) | $120.45M | $160.38M | $115.00M |
| Financing Cash Flow | $115.97M | $490.84M | $355.30M | ($121.34M) | ($262.81M) | ($252.10M) |
| CapEx | $4.82M | $4.04M | $2.89M | $13.25M | $11.21M | $17.23M |
| Free Cash Flow | ($90.36M) | ($98.64M) | ($100.42M) | $8.34M | $73.71M | $124.47M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | -2.5% | 30.5% | 12.5% | 29.6% | 34.2% | 32.8% |
| EBITDA margin | -1.8% | 31.4% | 14.2% | 31.1% | 35.6% | 34.3% |
| Net margin | -25.4% | 6.3% | -10.4% | 12.1% | 16.7% | 14.0% |
| Free cash flow margin | -7.5% | -8.9% | -12.5% | 0.9% | 6.7% | 11.7% |
| FCF / Net income | 0.30 | -1.40 | 1.20 | 0.07 | 0.40 | 0.83 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | - | 23.0% | - | 23.9% | 23.0% | 21.6% |
| Return on assets | -6.0% | 1.4% | -1.8% | 2.8% | 4.2% | 3.4% |
| Return on equity | -31.1% | 6.2% | -7.2% | 9.5% | 14.2% | 11.1% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 2.2x | 3.0x | 2.5x |
| Equity multiplier | 5.21 | 4.34 | 3.88 | 3.40 | 3.39 | 3.32 |
| Liabilities / Assets | 0.80 | 0.76 | 0.73 | 0.69 | 0.70 | 0.69 |
| Efficiency | ||||||
| Asset turnover | 0.24 | 0.23 | 0.18 | 0.23 | 0.25 | 0.24 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | 11.7x | - | 11.5x | 12.4x | 12.2x |
| P / B | 0.7x | 0.7x | 0.9x | 1.1x | 1.8x | 1.4x |
| P / S | 0.6x | 0.7x | 1.3x | 1.4x | 2.1x | 1.7x |
| EV / EBITDA | - | 2.1x | 8.0x | 4.2x | 5.6x | 4.7x |
| Growth | ||||||
| Revenue growth (YoY) | 7.8% | 38.9% | -17.0% | -11.8% | 2.8% | 4.8% |
| Revenue CAGR (3y) | 7.5% | 0.6% | -9.0% | -1.7% | 6.5% | 9.4% |
| Revenue CAGR (5y) | 2.4% | 1.8% | -2.4% | 3.5% | 5.7% | 2.5% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | 238.1% | -64.8% | -23.8% | 7.2% | 41.2% |
| Net income growth (YoY) | - | - | - | -36.0% | 22.6% | 73.3% |
| EPS growth (YoY) | - | - | - | -27.2% | 23.9% | 72.5% |
| EPS CAGR (3y) | - | -23.8% | - | 15.9% | 41.0% | -2.7% |
| EPS CAGR (5y) | - | -1.1% | - | -3.6% | 17.2% | -1.2% |
| FCF growth (YoY) | 8.4% | 1.8% | - | -88.7% | -40.8% | 7.9% |
| FCF CAGR (5y) | - | - | - | - | -3.7% | -6.3% |
| Book value growth (YoY) | -13.7% | -2.7% | -4.9% | -4.6% | -4.1% | 14.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$2.15B totalTotal Reportable Segments$1.07B · 50.0%
United States Segment$611.25M · 28.5%
Europe Segment$461.37M · 21.5%
Geographic
$1.20B totalUS$611.25M · 50.9%
Foreign Countries$420.50M · 35.0%
GB$170.08M · 14.2%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✗Net income positive
- ✗Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Short-Term Business Credit Institutions
Comparing PRA GROUP INC against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| May 7, 2007 | $0.3333 |