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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $314.53M | - | $311.14M | $287.69M | $269.62M | - | $281.48M | $284.23M | $255.59M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | $211.28M | - | $626.69M | $202.58M | $195.04M | - | $191.50M | $195.01M | $189.19M | - |
| D&A | - | - | - | $2.50M | $2.94M | - | $2.47M | $2.64M | $2.72M | - |
| Operating Income | $103.25M | - | ($315.55M) | $85.11M | $74.58M | - | $89.98M | $89.22M | $66.40M | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - |
| Income Tax | $8.76M | - | $24.36M | $15.41M | $4.31M | - | ($672.0K) | $8.70M | $2.39M | - |
| Net Income | $28.21M | - | ($407.70M) | $42.37M | $3.66M | - | $27.15M | $21.52M | $3.48M | - |
| EPS - Basic | $0.74 | - | ($10.43) | $1.08 | $0.09 | - | $0.69 | $0.55 | $0.09 | - |
| EPS - Diluted | $0.73 | - | ($10.43) | $1.08 | $0.09 | - | $0.69 | $0.54 | $0.09 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $124.78M | $104.41M | $107.45M | $131.59M | $128.65M | $105.94M | $141.13M | $118.86M | $108.10M | $112.53M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.21B | $5.10B | $5.00B | $5.43B | $5.15B | $4.93B | $4.94B | $4.66B | $4.48B | $4.53B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $4.14B | $4.06B | $4.02B | $4.04B | $3.87B | $3.74B | $3.65B | $3.46B | $3.29B | $3.29B |
| Stockholders' Equity | $1.00B | $979.85M | $928.49M | $1.34B | $1.22B | $1.14B | $1.22B | $1.15B | $1.13B | $1.17B |
| Retained Earnings | $1.28B | $1.26B | $1.20B | $1.61B | $1.56B | $1.56B | $1.54B | $1.51B | $1.49B | $1.49B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.94M | - | - | - | ($52.58M) | - | - | - | ($73.00M) | - |
| Investing Cash Flow | ($18.44M) | - | - | - | ($24.39M) | - | - | - | $15.21M | - |
| Financing Cash Flow | $60.42M | - | - | - | $85.63M | - | - | - | $52.82M | - |
| CapEx | $1.41M | - | - | - | $900.0K | - | - | - | $495.0K | - |
| Free Cash Flow | $23.53M | - | - | - | ($53.48M) | - | - | - | ($73.49M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 32.8% | - | -101.4% | 29.6% | 27.7% | - | 32.0% | 31.4% | 26.0% | - |
| EBITDA margin | - | - | - | 30.5% | 28.7% | - | 32.8% | 32.3% | 27.0% | - |
| Net margin | 9.0% | - | -131.0% | 14.7% | 1.4% | - | 9.6% | 7.6% | 1.4% | - |
| Free cash flow margin | 7.5% | - | - | - | -19.8% | - | - | - | -28.8% | - |
| FCF / Net income | 0.83 | - | - | - | -14.62 | - | - | - | -21.15 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.7% | - | - | 26.7% | 54.1% | - | -2.5% | 28.8% | 40.7% | - |
| Return on assets | 0.5% | - | -8.2% | 0.8% | 0.1% | - | 0.6% | 0.5% | 0.1% | - |
| Return on equity | 2.8% | - | -43.9% | 3.2% | 0.3% | - | 2.2% | 1.9% | 0.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 5.19 | 5.21 | 5.38 | 4.07 | 4.22 | 4.34 | 4.05 | 4.07 | 3.97 | 3.88 |
| Liabilities / Assets | 0.79 | 0.80 | 0.80 | 0.74 | 0.75 | 0.76 | 0.74 | 0.74 | 0.73 | 0.73 |
| Efficiency | ||||||||||
| Asset turnover | 0.06 | - | 0.06 | 0.05 | 0.05 | - | 0.06 | 0.06 | 0.06 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 24.0x | - | - | 13.7x | 229.1x | - | 32.4x | 36.4x | 289.8x | - |
| P / B | 0.7x | - | 0.6x | 0.4x | 0.7x | - | 0.7x | 0.7x | 0.9x | - |
| P / S | 2.1x | - | 1.9x | 2.0x | 3.0x | - | 3.1x | 2.7x | 4.0x | - |
| EV / EBITDA | - | - | - | 5.1x | 8.9x | - | 8.0x | 7.2x | 13.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 16.7% | - | 10.5% | 1.2% | 5.5% | - | 30.1% | - | 22.2% | - |
| Revenue CAGR (3y) | 14.6% | - | 8.3% | 3.7% | 3.9% | - | - | 2.5% | -4.1% | - |
| Revenue CAGR (5y) | 1.7% | - | 3.0% | 1.1% | 1.4% | - | 2.4% | 2.4% | 0.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 38.5% | - | - | -4.6% | 12.3% | - | 109.0% | - | 45.7% | - |
| Net income growth (YoY) | 671.0% | - | - | 96.9% | 5.3% | - | - | - | - | - |
| EPS growth (YoY) | 711.1% | - | - | 100.0% | 0.0% | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | 5.9% | -54.7% | - | - | -10.8% | -58.6% | - |
| EPS CAGR (5y) | -10.5% | - | - | -3.0% | -26.5% | - | 4.6% | 5.7% | -23.3% | - |
| FCF growth (YoY) | - | - | - | - | 27.2% | - | - | - | -53.3% | - |
| FCF CAGR (5y) | 5.7% | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -17.8% | -13.7% | -23.8% | 16.7% | 8.0% | -2.7% | 9.3% | - | -3.1% | -4.9% |
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%
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 |