Saturday 17 October 2026
Export PRAA’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 29.4%, EPS grew 40.7%, free cash flow fell 172.6% and total debt rose 2.03%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
19.39
0.56
−2.81%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | 5 | 6 | 5 | 6 | 5 | 2 | 4 | 5 |
P/E ratio |
21.96 | 9.39 | 16.81 | 19.11 | 12.13 | 12.37 | 11.76 | 0.00 | 11.61 | 0.00 |
P/S ratio |
2.01 | 1.84 | 1.21 | 1.62 | 1.70 | 2.06 | 1.42 | 1.25 | 0.74 | 0.58 |
P/FCF ratio |
9.76 | 0.00 | 18.29 | 14.28 | 14.51 | 30.62 | 164.33 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
21.51 | 89.69 | 86.27 | 26.28 | 174.59 | 48.40 | 54.81 | 48.53 | 19.16 | (69.86) |
P/B ratio |
2.04 | 1.34 | 0.98 | 1.34 | 1.31 | 1.70 | 1.07 | 0.81 | 0.69 | 0.67 |
Price to Tangible BV |
4.81 | 2.58 | 1.69 | 2.21 | 2.05 | 2.67 | 1.61 | 1.25 | 1.03 | 0.68 |
EV/Sales |
3.91 | 4.43 | 3.92 | 4.36 | 4.22 | 4.47 | 4.03 | 4.89 | 3.77 | 3.65 |
EV/EBITDA |
14.30 | 14.59 | 15.71 | 15.40 | 11.54 | 12.27 | 12.52 | 30.58 | 11.65 | 10.96 |
EV/Operating CF |
17.66 | 237.25 | 44.04 | 33.27 | 31.70 | 57.74 | 180.40 | (40.23) | (44.47) | (51.34) |
EV/FCF |
18.97 | (498.49) | 59.01 | 38.48 | 36.08 | 66.52 | 466.99 | (39.07) | (42.65) | (48.60) |
Quick Ratio |
1.23 | 1.24 | 1.22 | 1.22 | 1.25 | 1.23 | 1.24 | 1.19 | 1.17 | 1.21 |
Current Ratio |
1.23 | 1.24 | 1.22 | 1.22 | 1.25 | 1.23 | 1.24 | 1.19 | 1.17 | 1.21 |
Net Debt/EBITDA |
6.94 | 8.54 | 10.84 | 9.69 | 6.90 | 6.62 | 8.11 | 22.73 | 9.37 | 9.23 |
Debt/Assets |
58.79% | 61.30% | 65.39% | 65.88% | 62.74% | 62.60% | 62.45% | 66.95% | 70.78% | 74.53% |
Debt/Equity |
2.03 | 1.99 | 2.27 | 2.38 | 2.03 | 2.06 | 2.03 | 2.44 | 2.92 | 3.66 |
Asset Turnover |
0.30 | 0.24 | 0.24 | 0.24 | 0.24 | 0.25 | 0.23 | 0.18 | 0.24 | 0.24 |
Operating CF/Net income |
2.39 | 0.09 | 1.23 | 1.55 | 0.95 | 0.46 | 0.18 | 1.17 | (1.34) | 0.28 |
Capex/Depreciation |
(0.41) | (0.60) | (0.50) | (0.45) | (0.44) | (0.45) | (0.52) | (0.10) | (0.19) | (0.01) |
Interest Coverage |
2.72 | 2.18 | 1.53 | 1.75 | 2.47 | 3.02 | 2.19 | 0.55 | 1.48 | (0.12) |
| 9.82% | 15.97% | 5.79% | 7.33% | 11.49% | 13.58% | 8.97% | (6.61%) | 5.80% | (27.32%) | |
| 2.80% | 4.79% | 1.72% | 2.07% | 3.36% | 4.15% | 2.74% | (1.92%) | 1.49% | (6.08%) | |
ROIC |
5.12% | 4.06% | 3.23% | 3.85% | 5.38% | 5.90% | 4.69% | 1.51% | 4.64% | (0.40%) |
Return on Tangible Assets |
17.35% | 26.81% | 10.19% | 12.12% | 19.21% | 25.18% | 16.51% | (12.90%) | 11.10% | (35.08%) |
Average Days of Receivables |
913.50 | 1,240.01 | 1,264.98 | 1,271.37 | 1,211.64 | 1,155.70 | 1,256.33 | 1,675.62 | 1,362.47 | 1,429.14 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
57.26% | 63.26% | 66.71% | 65.21% | 59.31% | 57.13% | 61.68% | 76.47% | 61.94% | 61.25% |
Intangible Assets out of Total Assets |
0.17 | 0.15 | 0.12 | 0.11 | 0.11 | 0.11 | 0.10 | 0.10 | 0.08 | 0.01 |
Share Based Compensation of Revenue |
0.66% | 1.05% | 0.94% | 1.05% | 1.35% | 1.45% | 1.35% | 1.38% | 1.21% | 1.32% |
Graham Net Nets |
0.09 | 0.25 | 0.42 | 0.29 | 0.31 | 0.23 | 0.38 | 0.51 | 0.64 | 1.08 |
Graham Number |
28.63 | 44.67 | 28.46 | 34.00 | 47.11 | 51.88 | 46.34 | 0.00 | 35.04 | 0.00 |
Earnings Yield |
4.55% | 10.64% | 5.95% | 5.23% | 8.25% | 8.09% | 8.50% | (8.29%) | 8.62% | (44.09%) |
Free Cash Flow Yield |
10.25% | (0.48%) | 5.47% | 7.00% | 6.89% | 3.27% | 0.61% | (9.98%) | (11.99%) | (13.04%) |
Revenue per Share |
20.09 | 18.13 | 20.06 | 22.41 | 23.40 | 24.37 | 24.38 | 20.49 | 28.30 | 30.68 |
Operating CF per Share |
4.45 | 0.34 | 1.79 | 2.94 | 3.11 | 1.89 | 0.54 | (2.49) | (2.40) | (2.18) |
Capex per Share |
(0.31) | (0.50) | (0.45) | (0.40) | (0.38) | (0.25) | (0.33) | (0.07) | (0.10) | (0.12) |
Free Cash Flow per Share |
4.14 | (0.16) | 1.33 | 2.54 | 2.73 | 1.64 | 0.21 | (2.56) | (2.50) | (2.31) |
Cash per Share |
2.04 | 2.64 | 2.18 | 2.73 | 2.39 | 1.95 | 2.10 | 2.87 | 2.69 | 2.67 |
Shareholders Equity per Share |
19.80 | 24.98 | 24.82 | 27.03 | 30.16 | 29.47 | 32.46 | 31.64 | 30.31 | 26.55 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.80 | 24.98 | 24.82 | 27.03 | 30.16 | 29.47 | 32.46 | 31.64 | 30.31 | 26.55 |
Free Cash Flow |
191.74 | (7.36) | 60.35 | 115.36 | 124.47 | 73.71 | 8.34 | (100.42) | (98.64) | (90.36) |
Working Capital |
458.33 | 563.65 | 589.53 | 654.60 | 719.00 | 672.78 | 657.89 | 610.85 | 606.42 | 844.99 |
Capital Expenditures |
(14.16) | (22.84) | (20.52) | (18.03) | (17.23) | (11.21) | (13.25) | (2.89) | (4.04) | (4.82) |
Net Current Asset Value |
176.50 | 373.92 | 460.85 | 469.62 | 565.79 | 515.61 | 521.23 | 510.86 | 528.69 | 746.78 |
EV/EBIT |
16.55 | 17.18 | 19.22 | 17.92 | 12.84 | 13.08 | 13.63 | 39.05 | 12.38 | 0.00 |
Capex to Sales |
0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
8.52 | 7.13 | 5.96 | 6.65 | 5.16 | 6.02 | 4.80 | 10.02 | 2.42 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.89 | 0.77 | 0.76 | 0.72 | 0.68 | 0.45 | 0.49 | 0.76 | 0.72 | 17.32 |
Cash ROIC |
6.68% | (0.21%) | 1.60% | 2.70% | 2.91% | 1.78% | 0.21% | (2.29%) | (2.06%) | (1.83%) |
Accounts Receivable Turnover |
0.41 | 0.32 | 0.30 | 0.30 | 0.30 | 0.31 | 0.28 | 0.23 | 0.28 | 0.27 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Receivables |
2,281.82 | 2,571.35 | 2,980.70 | 3,345.22 | 3,539.70 | 3,503.07 | 3,398.11 | 3,505.55 | 3,922.31 | 4,433.01 |
Average Payables |
3.32 | 3.73 | 5.55 | 5.18 | 4.78 | 4.56 | 5.58 | 6.83 | — | — |
Average Assets |
3,077.28 | 3,432.49 | 3,805.27 | 4,166.73 | 4,438.48 | 4,409.65 | 4,270.96 | 4,350.51 | 4,728.25 | 5,017.24 |
Average Common Equity |
878.46 | 1,028.94 | 1,132.34 | 1,175.49 | 1,300.27 | 1,349.18 | 1,305.79 | 1,263.06 | 1,216.49 | 1,116.79 |
Columns are period end dates