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PRA Group, Inc.(PRAA)Earnings, Financials & Key Ratios
PRAA•NASDAQ
$18.03
Price updated Jul 7, 2026
AboutPRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.Show more
- EBITDA$431M+23.0%
- Net Income-$305M-532.2%
- EPS (Diluted)-7.79-535.2%
- Gross Margin99.16%+62.5%
- EBITDA Margin34.77%+11.5%
- Operating Margin33.92%+12.2%
- Net Margin-24.6%-491.6%
- ROE-27.32%-570.8%
PRAA Price & Volume
PRA Group, Inc. (PRAA) stock price & volume — 10-year historical chart
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Operational Volatility Masks Significant Balance Sheet Shifts
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Expanding
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Portfolio Valuation Impairment Risk
Key Thesis Takeaways
- PRA Group exhibits a concerning decoupling of top-line revenue growth, which reached $314.2M in 2026Q1, from consistent bottom-line profitability and cash generation.
- The firm's financial profile is currently characterized by extreme earnings volatility, highlighted by a $407.7M net loss in 2025Q3, and an anomalous reduction in total debt from $3.4B in 2024Q4 to $31.6M in 2026Q1.
- Investors should exercise caution as the company's reliance on subjective portfolio valuations and inconsistent cash conversion, evidenced by an OCF/NI ratio of -14.37 in 2025Q1, suggests significant underlying operational risk.
Verdict Logic
the company's fundamental stability is undermined by erratic earnings and a massive, unexplained reduction in debt levels from $3.4B to $31.6M, which warrants significant skepticism regarding long-term solvency.
PRAA Growth Metrics
PRA Group, Inc. (PRAA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.79%
5 Years3.09%
3 Years8.67%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-496.4%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-499.51%
Return on Capital
10 Years7.58%
5 Years7.01%
3 Years6.29%
Last Year8.73%
PRAA Recent Earnings
PRA Group, Inc. (PRAA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.73+43.1%
$0.51
Rev
$315M+6.3%
$296M
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$1.46+192.0%
$0.50
Rev
$333M+15.4%
$289M
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.53+6.0%
$0.50
Rev
$314M+8.8%
$289M
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$1.08+74.2%
$0.62
Rev
$288M-3.3%
$298M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.73vs $0.51+43.1% | $315Mvs $296M+6.3% |
| Q1 2026 | Feb 26, 2026 | $1.46vs $0.50+192.0% | $333Mvs $289M+15.4% |
| Q4 2025 | Nov 3, 2025 | $0.53vs $0.50+6.0% | $314Mvs $289M+8.8% |
| Q3 2025 | Aug 4, 2025 | $1.08vs $0.62+74.2% | $288Mvs $298M-3.3% |
Based on last 12 quarters of dataView full earnings history →
Latest PRAA News
Recent stock market news and headlines for PRA Group, Inc. (PRAA)
Peers Comparison
Key metrics vs top competitors for PRA Group, Inc. (PRAA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $18.03 | $687.68M | -2.31 | 10.36% | -24.6% | -27.32% | — | |
| $90.17 | $1.93B | 8.26 | 33.89% | 16.02% | 30.7% | — | |
| $223.25 | $9.85B | 30.09 | 8.04% | 9.14% | 15.91% | — | |
| $25.08 | $4.97B | 7.25 | 4.1% | 33.13% | 31.01% | — | |
| $8.35 | $784.81M | -10.31 | -23.74% | -1.96% | -2.45% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — |
Compare PRAA vs Peers
PRA Group, Inc. (PRAA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PRAA SEC Filings & Documents
PRA Group, Inc. (PRAA) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
May 5, 2026·SEC
Material company update
Feb 26, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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PRAA Frequently Asked Questions
PRA Group, Inc. (PRAA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is PRA Group, Inc.'s revenue?
PRA Group, Inc. (PRAA) reported $1.28B in revenue for fiscal year 2025.
How fast is PRA Group, Inc. growing?
PRA Group, Inc. (PRAA) grew revenue by 10.4% over the past year. This is steady growth.
Is PRAA profitable?
PRA Group, Inc. (PRAA) reported a net loss of $280.6M for fiscal year 2025.
Dividend & Returns
What is PRAA's return on equity?
PRA Group, Inc. (PRAA) has a return on equity (ROE) of -27.3%. Negative ROE indicates the company is unprofitable.
What is PRA Group, Inc.'s free cash flow?
PRA Group, Inc. (PRAA) had negative free cash flow of $13.4M in fiscal year 2025, likely due to heavy capital investments.