Saturday 17 October 2026 Export PRAA’s income statement to Excel — free account

PRA Group, Inc.

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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Market cap: $751.1M
P/E: 0.0×
Fwd P/E: 6.0×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.21

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 4.79%

Capital & Financial Ratios $m

Market Cap 751.08

Revenue 1,331.24

Net Income (254.04)

Free Cash Flow (37.85)

Net Debt 3,727.38

Current Ratio 1.21

Debt/Equity 3.47

P/E ratio 0.00

Fwd P/E 5.97

P/S ratio 0.56

P/B ratio 0.66

Past 5Y EPS Growth —

This Y EPS Growth 143.05%

Next Y EPS Growth 8.25%

Next Y revenue growth 8.50%

Next 5Y EPS Growth (5.30%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 8.48%

10-year low 10-year high

P/B against its own 10 years 17.55%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

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%)

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	20.00	25.72	22.62	23.97	19.40	32.78	29.69	11.85	18.64	12.29	Analyst estimates 2026–2028 Powerpack
	High	39.70	42.70	43.75	38.07	47.35	50.67	51.00	43.34	31.43	23.97
People
People	Employees	4,019	5,154	5,377	4,412	3,820	3,446	3,277	3,155	3,115	2,615
	Revenue/emp, $m	0.23	0.16	0.17	0.23	0.28	0.32	0.29	0.25	0.36	0.46
Income, $m
Income, $m	Revenue	931	828	908	1,017	1,065	1,096	967	803	1,115	1,202
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	136	160	89	117	209	250	155	(83)	110	(243)
	EBT margin, %	14.57	19.35	9.85	11.54	19.61	22.85	16.01	(10.33)	9.83	(20.24)
	Net income	92	171	76	98	168	196	118	(67)	89	(290)
	Depreciation	35	38	41	40	40	25	25	28	21	431
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
	Earnings	1.84	3.55	1.45	1.90	3.28	4.07	2.96	(2.13)	1.79	(7.79)
	Cash flow	4.45	0.34	1.79	2.94	3.11	1.89	0.54	(2.49)	(2.40)	(2.18)
	Capex	(0.31)	(0.50)	(0.45)	(0.40)	(0.38)	(0.25)	(0.33)	(0.07)	(0.10)	(0.12)
	Free cash flow	4.14	(0.16)	1.33	2.54	2.73	1.64	0.21	(2.56)	(2.50)	(2.31)
	Book value	19.80	24.98	24.82	27.03	30.16	29.47	32.46	31.64	30.31	26.55
	Shares, m	46	46	45	45	46	45	40	39	39	39
Valuation, ×
Valuation, ×	P/E	21.96	9.39	16.81	19.11	12.13	12.37	11.76	0.00	11.61	0.00
	P/S	2.01	1.84	1.21	1.62	1.70	2.06	1.42	1.25	0.74	0.58
	P/B	2.04	1.34	0.98	1.34	1.31	1.70	1.07	0.81	0.69	0.67
	EV/Sales	3.91	4.43	3.92	4.36	4.22	4.47	4.03	4.89	3.77	3.65
	EV/FCF	18.97	(498.49)	59.01	38.48	36.08	66.52	466.99	(39.07)	(42.65)	(48.60)
Cash, $m
Cash, $m	Operating cash flow	206	15	81	133	142	85	22	(98)	(95)	(86)
	Capex	(14)	(23)	(21)	(18)	(17)	(11)	(13)	(3)	(4)	(5)
	Free cash flow	192	(7)	60	115	124	74	8	(100)	(99)	(90)
Balance, $m
Balance, $m	Working capital	458	564	590	655	719	673	658	611	606	845
	Total debt	1,860	2,269	2,556	2,915	2,794	2,733	2,608	3,030	3,490	3,803
	Net debt	1,766	2,148	2,458	2,791	2,685	2,646	2,524	2,917	3,384	3,699
	Shareholders’ equity	917	1,141	1,124	1,227	1,374	1,325	1,287	1,239	1,194	1,040
Returns, %
Returns, %	ROA	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)
	ROE	9.82	15.97	5.79	7.33	11.49	13.58	8.97	(6.61)	5.80	(27.32)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
NAVI Navient Corporation	$896.6M	— (loss-making)	10.6×	−11.91% (below 0%: shrinking)	+92.86% (above 0%: growing)	+13.49% (above 0%: growing)	21.13%	0.00%	Compare
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%	Compare
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+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	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
Median of peers	$725.2M	8.4×	5.4×	−2.66%	+13.33%	+0.57%	84.40%	25.03%

All 55 Credit Services stocks →

PRA Group, Inc. (PRAA) key facts

Concern: PRA Group, Inc. reported a net loss of $290.0 million, or a loss of $7.79 per share, for fiscal 2025.
Strength: PRA Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 7.83% from fiscal 2024.
PRA Group, Inc. (PRAA) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PRAA traded at $19.39, a market capitalization of $751.1 million.
Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 0.6× sales.
Return on equity was −27.3% and debt-to-equity 3.47.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.