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PRA Group, Inc.

PRAA Financial Credit Services

PRA Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 7.83% from fiscal 2024.

Revenue
+29.4%
EPS
+40.7%
Free cash flow
−172.6%
Total debt
+2.03%

Quarter to June 2026, against a year earlier

13.99 6.43 −31.49%
Market cap
$768.8M
P/E
0.0×
Fwd P/E
5.9×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 4.79%

Capital & Financial Ratios $m

Size
Market Cap 768.78
Revenue ttm 1,331.24
Net income ttm (254.04)
Free cash flow ttm (37.85)
Net debt Q 3,727.38
Valuation
P/E 0.00
Forward P/E 5.85
Price / sales 0.59
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.70
Financial health
Current ratio Q 1.21
Debt / equity Q 3.47
Interest coverage Q 2.38
Growth
Revenue growth Q +29.37% (above 0%: growing)
Operating income growth Q +80.10% (above 0%: growing)
EPS, this year +143.05% (at or above 15%: strong)
EPS, next year A +8.25%
Revenue, next year A +8.50%
EPS, past 5 yrs —
EPS, next 5 yrs A −5.30% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 12.17%
10-year low 10-year high
P/B against its own 10 years 22.41%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 113 106 104 132
Receivables 3,684 4,160 4,706 4,738
Inventory — — — —
Other — — — —
3,797 4,266 4,810 4,871
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 3,030 3,490 3,803 3,860
Other — — — —
3,186 3,660 3,965 4,025

Compound Annual Growth %

10y 5y 3y
Sales 2.47% 2.44% 7.53%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 2.16% (5.41%) (6.85%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.52 Actual 1.51

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.50 0.53 Beat by 0.03
Q4 FY25 0.50 1.46 Beat by 0.96
Q1 FY26 0.51 0.73 Beat by 0.22
Q2 FY26 0.52 1.51 Beat by 0.99
Q3 FY26 1.07 — Reports 5 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.73 1.51 — — —
’25 0.09 1.08 (10.43) 1.46 (7.79)
’24 0.09 0.54 0.69 0.47 1.79
’23 (1.50) (0.10) (0.31) (0.22) (2.13)
’22 0.97 0.91 0.63 0.41 2.94
’21 1.27 1.22 0.76 0.79 4.04
’20 0.42 1.26 0.92 0.65 3.26
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 315 372 — — —
’25 270 288 311 333 1,202
’24 256 284 281 293 1,115
’23 155 209 216 221 803
’22 241 258 245 223 967
’21 289 286 264 257 1,096
’20 252 272 268 274 1,065
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 25 (36) — — —
’25 (53) (13) (10) (10) (86)
’24 (73) (29) (35) 43 (95)
’23 (48) (33) (37) 21 (98)
’22 (23) (19) 38 25 22
’21 20 1 17 47 85
’20 47 76 9 10 142
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (39) — — —
’25 (53) (14) (11) (11) (90)
’24 (73) (31) (36) 42 (99)
’23 (48) (34) (39) 20 (100)
’22 (26) (23) 36 22 8
’21 18 0 14 42 74
’20 39 73 7 6 124
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 931 828 908 1,017 1,065 1,096 967 803 1,115 1,202 1,331 +2.9% 1,304 1,243 — +1.7%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 136 160 89 117 209 250 155 (83) 110 (243) (189) n/m
EBT margin, % 14.57 19.35 9.85 11.54 19.61 22.85 16.01 (10.33) 9.83 (20.24) (14.19) (34.8) pt
Net income 92 171 76 98 168 196 118 (67) 89 (290) (254) n/m
Per share, $
Per share, $ Revenue 20.09 18.13 20.06 22.41 23.40 24.37 24.38 20.49 28.30 30.68 34.94 +4.8%
Earnings 1.84 3.55 1.45 1.90 3.28 4.07 2.96 (2.13) 1.79 (7.79) (6.71) n/m
Cash flow 4.45 0.34 1.79 2.94 3.11 1.89 0.54 (2.49) (2.40) (2.18) (0.82) n/m
Capex (0.31) (0.50) (0.45) (0.40) (0.38) (0.25) (0.33) (0.07) (0.10) (0.12) (0.17) (9.6%)
Free cash flow 4.14 (0.16) 1.33 2.54 2.73 1.64 0.21 (2.56) (2.50) (2.31) (0.99) n/m
Book value 19.80 24.98 24.82 27.03 30.16 29.47 32.46 31.64 30.31 26.55 29.21 +3.3%
Shares, m 46 46 45 45 46 45 40 39 39 39 39 (1.8%)
Valuation, ×
Valuation, × P/E 21.96 9.39 16.81 19.11 12.13 12.37 11.76 0.00 11.61 0.00 0.00 11.5
P/S 2.01 1.84 1.21 1.62 1.70 2.06 1.42 1.25 0.74 0.58 0.59 1.4
P/B 2.04 1.34 0.98 1.34 1.31 1.70 1.07 0.81 0.69 0.67 0.70 1.2
EV/Sales 3.91 4.43 3.92 4.36 4.22 4.47 4.03 4.89 3.77 3.65 — 4.2
EV/FCF 18.97 (498.49) 59.01 38.48 36.08 66.52 466.99 (39.07) (42.65) (48.60) — 5.7
Cash, $m
Cash, $m Operating cash flow 206 15 81 133 142 85 22 (98) (95) (86) (31) n/m
Capex (14) (23) (21) (18) (17) (11) (13) (3) (4) (5) (6) (11.3%)
Free cash flow 192 (7) 60 115 124 74 8 (100) (99) (90) (38) n/m
Balance, $m
Balance, $m Working capital 458 564 590 655 719 673 658 611 606 845 845 +7.0%
Net debt 1,766 2,148 2,458 2,791 2,685 2,646 2,524 2,917 3,384 3,699 3,727 +8.6%
Shareholders’ equity 917 1,141 1,124 1,227 1,374 1,325 1,287 1,239 1,194 1,040 1,113 +1.4%
Returns, %
Returns, % ROA 2.80 4.79 1.72 2.07 3.36 4.15 2.74 (1.92) 1.49 (6.08) (4.97) (8.9) pt
ROIC 5.12 4.06 3.23 3.85 5.38 5.90 4.69 1.51 4.64 (0.40) 0.86 (5.5) pt
ROE 9.82 15.97 5.79 7.33 11.49 13.58 8.97 (6.61) 5.80 (27.32) (21.12) (37.1) pt
People
People Employees 4,019 5,154 5,377 4,412 3,820 3,446 3,277 3,155 3,115 2,615 — (4.7%)
Revenue/emp, $m 0.23 0.16 0.17 0.23 0.28 0.32 0.29 0.25 0.36 0.46 — +7.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

PRA Group, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19%
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
Median of peers $691.0M 8.5× 10.1× +3.35% −72.30% −4.22% 84.62% 8.38%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 30 April 2026

Ownership

Directors and executive officers, together 2.20%
BlackRock, Inc.55 East 15.10%
T. Rowe Price Investment Management, Inc. 9.00%
The Vanguard Group 7.50%
Topline Capital Management, LLC 7.40%
Global Alpha Capital Management Ltd. 5.10%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

PRA Group, Inc. (PRAA) Latest News

6 Nov

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24 Jun

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8 May

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7 May

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5 May

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27 Feb

Impact 4 ·
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26 Feb

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stockrow.com/PRAA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com